Credit union · NCUA insured
Sentinel Federal Credit Union Savings Rates
Sentinel Federal Credit Union’s best savings rate is 0.80% APY on $10,000, with its Money Market Saver Account. Rates checked October 22, 2026.
How Sentinel Federal Credit Union’s savings 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
0.80%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $80
Money Market Saver Account
Top rate
Highmark Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
Aspen Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Sentinel Federal Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.80%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sentinel Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Saver Account
0.80%APY
Keep a $1,000 minimum balance to keep account open. If balance falls below $1,000 minimum daily balance during any month, account will be closed. Up to six withdrawals each month; minimum withdrawal amount is $250. Dividends are compounded based on daily balance and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Money Market Tier 1. Fees may reduce earnings. | 0.80% | $80 | Money Market Tier 1. Fees may reduce earnings. |
| $25,000 – $50,000Money Market Tier 2. Fees may reduce earnings. | 0.95% | — | Money Market Tier 2. Fees may reduce earnings. |
| $50,000 and upMoney Market Tier 3. Fees may reduce earnings. | 1.00% | — | Money Market Tier 3. Fees may reduce earnings. |
Regular Savings / Share Savings Account
0.10%APY
Account establishes Credit Union membership. Dividends paid monthly on daily balances of $100 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Tier 1 | 0.00% | — | Tier 1 |
| $100 – $5,000Tier 2 | 0.10% | — | Tier 2 |
| $5,000 – $25,000Tier 3 | 0.10% | $10 | Tier 3 |
| $25,000 and upTier 4 | 0.15% | — | Tier 4 |
Dream Saver
0.05%APY
No minimum balance. Make up to two withdrawals in a 12-month period. Dividends paid monthly on daily balances of $100 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid monthly on daily balances of $100 or more. Up to two withdrawals per 12-month period.$100 and up | 0.05% | $5 | Dividends paid monthly on daily balances of $100 or more. Up to two withdrawals per 12-month period. |
Special-purpose accounts
IRA Share Account
0.25%APY
Available as Traditional or Roth IRA. No minimum balance. No enrollment or maintenance fees. Contributions can be added anytime. Dividends paid monthly on daily balances of $100 or more. Subject to eligibility and contribution limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid monthly on daily balances of $100 or more. Traditional or Roth IRA.$100 and up | 0.25% | $25 | Dividends paid monthly on daily balances of $100 or more. Traditional or Roth IRA. |
Christmas Saver
0.20%APY
No minimum balance. One automatic withdrawal on October 31st transferring balance to Regular Savings Account. Dividends paid annually on October 31st on daily balances of $100 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid annually on October 31st on daily balances of $100 or more.$100 and up | 0.20% | $20 | Dividends paid annually on October 31st on daily balances of $100 or more. |
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.