Credit union · NCUA insured
Sentinel Federal Credit Union Auto Loan Rates
Sentinel Federal Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 22, 2026.
How Sentinel Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rapid City, SD, where Sentinel Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sentinel Federal Credit Union
5.24%APR
- Terms
- up to 60 months
Auto Loan
Lowest rate
Dakota Plains FCU
3.74%APR
- Terms
- 72–74 months
2nd-lowest rate
Highmark Federal Credit Union
4.25%APR
- Terms
- up to 84 months
Sentinel Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sentinel Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Rates reflect 'as low as' pricing for credit tier 760+. APR varies based on creditworthiness, vehicle age, loan term, and down payment. Membership eligibility required. No application fee. Minimum loan amounts apply for extended terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.74% | Model year 2023 and newer; credit tier 760+. |
| up to 36 months | 4.85% | Model year 2023 and newer; credit tier 760+. |
| up to 48 months | 4.99% | Model year 2023 and newer; credit tier 760+. |
| up to 60 months | 5.24% | Model year 2023 and newer; credit tier 760+; minimum loan amount $10,000. |
| up to 72 months | 5.49% | Model year 2023 and newer; credit tier 760+; minimum loan amount $20,000. |
| up to 84 months | 5.74% | Model year 2023 and newer; credit tier 760+; minimum loan amount $25,000. |
| up to 24 months | 5.70% | Model year 2019-2022; credit tier 760+. |
| up to 36 months | 5.75% | Model year 2019-2022; credit tier 760+. |
| up to 48 months | 5.80% | Model year 2019-2022; credit tier 760+. |
| up to 60 months | 5.85% | Model year 2019-2022; credit tier 760+; minimum loan amount $10,000. |
| up to 72 months | 5.90% | Model year 2019-2022; credit tier 760+; minimum loan amount $20,000. |
| up to 84 months | 6.25% | Model year 2019-2022; credit tier 760+; minimum loan amount $25,000. |
| up to 36 months | 7.50% | Model year 2018 and older; credit tier 760+. |
| up to 48 months | 7.65% | Model year 2018 and older; credit tier 760+. |
Motorcycle Loan
Rates reflect 'as low as' pricing for credit tier 760+. APR varies based on creditworthiness, vehicle age, loan term, and down payment. Motorcycle financing offered under recreational vehicle loans. Minimum loan amounts apply for extended terms ($20,000 for 84 months). Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.25% | Credit tier 760+. |
| up to 36 months | 6.30% | Credit tier 760+. |
| up to 48 months | 6.35% | Credit tier 760+. |
| up to 60 months | 6.40% | Credit tier 760+. |
| up to 72 months | 6.45% | Credit tier 760+. |
| up to 84 months | 6.70% | Credit tier 760+; minimum loan amount $20,000. |
Sources (3)
All captured Oct 4, 2026
Who can join Sentinel Federal Credit Union
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.
Membership information collected October 4, 2026.