Credit union · NCUA insured
Sentinel Federal Credit Union CD Rates
A $197M credit union headquartered in Ellsworth AFB, SD, with 9,857 members and 7 branches in South Dakota.
How Sentinel Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rapid City, SD, where Sentinel Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sentinel Federal Credit Union
3.75%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $186
Share Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Northern Hills Federal Credit Union
4.20%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $895
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.75%APY · 7 terms
$500 minimum deposit to open. Terms range from 6 months to 5 years. No enrollment or maintenance fees. Dividends are compounded based on daily balance and paid quarterly. Early withdrawal penalties may apply. Bump-A-Rate feature is not available on certificates granted after Sept. 1, 2026. Offer not available to business, public funds, or brokered deposits.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $186 |
| 12 months | 3.65% | 3.75% | 3.65%3.75% $25k–$50k | $365 |
| 18 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $568 |
| 24 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $764 |
| 36 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $1,168 |
| 48 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $1,587 |
| 60 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $2,021 |
Special-purpose accounts
IRA Share Certificate
Up to 3.75%APY · 7 terms
Traditional or Roth IRA. Individuals under age 70 1/2 with earned income, or non-working spouses, can open/contribute subject to income limits. $500 minimum deposit to open. Terms range from 6 months to 5 years. No enrollment or maintenance fees. Dividends compounded daily and paid quarterly. Early withdrawal penalties may apply. Bump-A-Rate feature is not available on certificates granted after Sept. 1, 2026. Offer not available to business, public funds, or brokered deposits.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $186 |
| 12 months | 3.65% | 3.75% | 3.65%3.75% $25k–$50k | $365 |
| 18 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $568 |
| 24 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $764 |
| 36 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $1,168 |
| 48 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $1,587 |
| 60 months | 3.75% | 3.75% | 3.75%3.75% $25k–$50k | $2,021 |
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.