Credit union · NCUA insured
Sentinel Federal Credit Union
A $197M credit union headquartered in Ellsworth AFB, SD, with 9,857 members and 7 branches in South Dakota. Best rates: savings 0.80% APY.
Sentinel Federal Credit Union Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#12 of 16 in Rapid City, SD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sentinel Federal Credit Union
Founded in 1955 on Ellsworth Air Force Base, member-owned Sentinel Federal Credit Union is headquartered on Ellsworth AFB with branches across western South Dakota.
Renamed Sentinel Federal Credit Union in 1994, the credit union merged with Rosebud FCU in 1994 and expanded by merging with Rapid City Telco FCU in 2015.
- Headquarters
- 2723 LeMay Blvd, Ellsworth AFB, SD 57706
- NCUA charter
- 10257
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, or attends school, or is a business or other legal entity in Pennington, Lawrence, Meade, Custer, Lyman, Todd, Tripp, Gregory and Mellette counties in South Dakota.
Family and household
- Immediate family members of members are eligible to join.
Cost to join
- Requires opening a Regular Savings account and maintaining a $5 share deposit representing ownership in the credit union.
Branches
7 branches in South Dakota
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South Dakota
7 branches
Rapid City area · 6
- MainMain office2723 LeMay Blvd, Ellsworth AFB, SD 57706Directions
- Liberty Branch441 N Ellsworth Rd, Box Elder, SD 57719Directions
- Custer Office18 Mount Rushmore Rd, Custer, SD 57730Directions
- Hill CIty Office553 E Main St, Hill City, SD 57745Directions
- Haines1430 Haines Ave Ste 101, Rapid City, SD 57701Directions
- Triple Crown4011 Triple Crown Dr, Rapid City, SD 57701Directions
Winner area · 1
- Winner511 E 2nd St, Winner, SD 57580Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.83% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.71% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.62% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio10.83%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.71%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sentinel Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.