Credit union · NCUA insured
Sentinel Federal Credit Union Credit Card Rates
Sentinel Federal Credit Union credit cards start at 12.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Sentinel Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rapid City, SD, where Sentinel Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sentinel Federal Credit Union
12.74%APR
- Up to
- —
Visa Classic Credit Card
Lowest rate
Aspen Federal Credit Union
7.00%APR
- Up to
- 11.90% APR
2nd-lowest rate
Black Hills Federal Credit Union
7.75%APR
- Up to
- —
Sentinel Federal Credit Union credit card score
69
Credit card score
Higher than 24% of U.S. banks and credit unions
- Purchase APRPurchase APR12.74%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic Credit Card
Revolving credit card with no annual fee and no balance transfer fees. Subject to credit review and approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74% | None | Rate is as low as 12.74% for credit tier 750+. APR varies by creditworthiness. Grace period is 25 days on new purchases; balance computed via average daily balance including new transactions. No balance transfer fees. |
Visa Secured Credit Card
Card is secured by funds in savings account. Designed to help build or rebuild credit history. No annual fee and no balance transfer fees. Subject to credit review and approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74% | None | Secured by funds in savings account. Rate is as low as 12.74% for credit tier 750+. APR varies by creditworthiness. Grace period is 25 days on new purchases; balance computed via average daily balance including new transactions. No balance transfer fees. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.