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Sentinel

PO BOX 700, Box Elder, SD 57719
NCUA Insured4.1 (21 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 700

Box Elder, SD 57719

Service Area

This credit union is located in Box Elder and serves members in the SD area. Currently serving 9,834 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.46%

Used Auto Loan

7.09%

Personal Loan

11.94%

Credit Card APR

12.66%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in SD

Lowest rates currently reported by credit unions in SD (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(8 total)

Member Reviews

4.1

21 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jo Mill

Jo Mill

6 months ago

I've been working with this credit union for many years and always deposit my money around the same time every month. The last time I was at the pull up window I was treated with disrespect and unprofessional behavior by I believe a supervisor named Chylo. She not only told me she was going to hold my check I needed to pay my bills with, she totally disregarded my initial request for funds back which she had to fix later. I was also late for a medical appointment because of this over 20 minute delay. No one should go through this especially at a new credit union. Hope it gets better. Left 2 stars meaning there is still room for improvement.

Deanine Rogers

Deanine Rogers

a year ago

Torri was an amazing customer service representative. I’m a long time customer but I haven’t accessed my account in several years. She put me at ease and provided everything I needed to get back on track. She was great and I’m glad I reconnected with Sentinel.

Miss Angela

Miss Angela

a year ago

Would not recommend you to anyone at this point. Have had an account with you for decades. When I have an issue I don't get empathy and affirmation. The unhelpful person I spoke with at the beginning of the week lied to me and told me I had to pay off my credit card to close my checking account. She was like I went half the way for you. Like im supposed to be impressed your idea of good service is going half the distance. Also requested terms and conditions and spoke to someone else who said I did not have to pay my credit card off to close the checking account. I tried to put in a future close date today and of course and thats not possible either. Waiting for my direct deposit to cancel so I can come back and close it now. No attempts to save a customer either. I have mutiple checking and savings accounts with other banks, Capital One, American Express and Synchrony savings are honesty blowing you out of the water benifit wise for checking and savings accounts. They offer things like early deposit, no overdraft fees, atm fees credited back. They also offer higher paid interest on both checking and savings accounts and even treat you like your account matters. Also deal with fraud concerns and dispute them instead of using a 3rd party and trying to make the customer resolve them themselves. Feedback is a gift, I hope you do something valuable with it for those who do stay loyal members.

Christy morgan

Christy morgan

10 months ago

I love my bank. They are present for the community, they are family first and I receive fantastic customer service. The only complaint is they need to catch up to other banks with ATM deposit accessibility.

Bret Robertson

Bret Robertson

2 years ago

I have been using Sentinel for almost 30 years, and my family has been just as long! I purposely make the extra drive to the Radar Hill Branch with Nate working there! Not only has he always been on the ball of my personal account, but my business account! He has resolved issues with other banks in a timely manner when he didn’t have to! Everytime I go on he always has a smiling face and is easy to work with

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).