Sentinel Federal Credit Union

Headquarters: Box Elder, South Dakota
Charter: Credit Union
Assets: $199.3M
Fed district: Minneapolis

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Sentinel Federal Credit Union: $35
Sentinel Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Compared at $31, the middle of its prices
Sentinel Federal Credit Union: $27 to $35
Sentinel Federal Credit Union: $27 to $35
U.S. median: no median
Non-Network ATM
Compared at $0.88, the middle of its prices
Sentinel Federal Credit Union: $0.50 to $1.25
Sentinel Federal Credit Union: $0.50 to $1.25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Dakota: Banks and credit unions headquartered in South Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Sentinel Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure (audience not stated, treated as personal)$25
Early account closure fee$5
Dormant Maintenance, per month (audience not stated, treated as personal)$10
per month
Maintenance fee$5
per item
Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Reconciliation$5
Excessive transaction fee (Reg D limits)$15
Return Mail, per item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft by ATM Withdrawal, per overdraft (audience not stated, treated as personal)$35
per item
Overdraft, each overdraft paid per item$35
per item
Overdraft, each overdraft paid per item (audience not stated, treated as personal)$35
per item
Returned Check Written by Member, per item (audience not stated, treated as personal)$27
per item
Returned NSF Item, per item (audience not stated, treated as personal)$35
per item
Notification of Automatic Transfer to Cover Overdraft$30
per item

ATM & Card

Account Balance Inquiry, per inquiry$0.50
per item
Non-SFCU Owned ATMs: Withdrawals/Transfers, per item (audience not stated, treated as personal)$1.25
per item
Plastic Card Replacement (audience not stated, treated as personal)$15
Plastic Card or PIN Rush Order$35
per item
International Service Assessment1%of the transaction

Check Services

Cashier’s Check, per item (audience not stated, treated as personal)$5
per item
Money Orders, per item (audience not stated, treated as personal)$2
per item
Money Orders/Cashier’s Check Stop Payment: Per item$30
per item
Stop Payment, per order (audience not stated, treated as personal)$30
per item
Temporary Checks, per check (min. 4 checks)$0.25
per item
Temporary Checks, per sheet of 4$5
per item
Collection Item, per item: Incoming$15
Collection Item, per item: International$25
Collection Item, per item: Outgoing$35
Photocopy of Original Check, per copy$2
per item

Digital & Electronic

ACH Origination Change, per item (audience not stated, treated as personal)$25
per item

Account Services

Safe Deposit Box 10x10$50
per year
Safe Deposit Box 10x10$50
Safe Deposit Box 3x10$25
per year
Safe Deposit Box 3x10$25
Safe Deposit Box 3x5$15
per year
Safe Deposit Box 3x5$15
per year
Safe Deposit Box 5x10$40
per year
Safe Deposit Box 5x10$40
Safe Deposit Drilling (audience not stated, treated as personal)$250
Not compared: Box drilling or key fee
Safe Deposit Key Replacement (audience not stated, treated as personal)$30
Not compared: Box drilling or key fee
Compliance with Legal Order/Levy$25
per item
Compliance with Legal Order/Levy$50
per item

Retirement & IRA

IRA Transfer to Another Institution (audience not stated, treated as personal)$25
IRA Withdrawal, per withdrawal$25
per item
IRA Withdrawal, per withdrawal$25
per item

Gift & Prepaid Cards

Visa Gift Card, per card (audience not stated, treated as personal)$5
per item

Other Fees

Monthly Statement Printout$2
Not compared: Monthly charge, not per item
per month
Monthly Statement Printout$5
Not compared: Monthly charge, not per item
per month
Photocopy, per page$2
per item
Photocopy, per page$1
per item
Loan Extension (Ag loans not included)$35
Loan Refinance (in house)$75

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (audience not stated, treated as personal)	$25	Not stated	None
Early account closure fee	$5	Not stated	None
Dormant Maintenance, per month (audience not stated, treated as personal)	$10	per month	None
Maintenance fee	$5	per item	None
Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Reconciliation	$5	Not stated	None
Excessive transaction fee (Reg D limits)	$15	Not stated	None
Return Mail, per item	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft by ATM Withdrawal, per overdraft (audience not stated, treated as personal)	$35	per item	None
Overdraft, each overdraft paid per item	$35	per item	None
Overdraft, each overdraft paid per item (audience not stated, treated as personal)	$35	per item	None
Returned Check Written by Member, per item (audience not stated, treated as personal)	$27	per item	None
Returned NSF Item, per item (audience not stated, treated as personal)	$35	per item	None
Notification of Automatic Transfer to Cover Overdraft	$30	per item	None
ATM & Card
Account Balance Inquiry, per inquiry	$0.50	per item	None
Non-SFCU Owned ATMs: Withdrawals/Transfers, per item (audience not stated, treated as personal)	$1.25	per item	None
Plastic Card Replacement (audience not stated, treated as personal)	$15	Not stated	None
Plastic Card or PIN Rush Order	$35	per item	None
International Service Assessment	1%of the transaction	Not stated	None
Check Services
Cashier’s Check, per item (audience not stated, treated as personal)	$5	per item	None
Money Orders, per item (audience not stated, treated as personal)	$2	per item	None
Money Orders/Cashier’s Check Stop Payment: Per item	$30	per item	None
Stop Payment, per order (audience not stated, treated as personal)	$30	per item	None
Temporary Checks, per check (min. 4 checks)	$0.25	per item	None
Temporary Checks, per sheet of 4	$5	per item	None
Collection Item, per item: Incoming	$15	Not stated	None
Collection Item, per item: International	$25	Not stated	None
Collection Item, per item: Outgoing	$35	Not stated	None
Photocopy of Original Check, per copy	$2	per item	None
Digital & Electronic
ACH Origination Change, per item (audience not stated, treated as personal)	$25	per item	None
Account Services
Safe Deposit Box 10x10	$50	per year	None
Safe Deposit Box 10x10	$50	Not stated	None
Safe Deposit Box 3x10	$25	per year	None
Safe Deposit Box 3x10	$25	Not stated	None
Safe Deposit Box 3x5	$15	per year	None
Safe Deposit Box 3x5	$15	per year	None
Safe Deposit Box 5x10	$40	per year	None
Safe Deposit Box 5x10	$40	Not stated	None
Safe Deposit Drilling (audience not stated, treated as personal)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Key Replacement (audience not stated, treated as personal)	$30Not compared: Box drilling or key fee	Not stated	None
Compliance with Legal Order/Levy	$25	per item	None
Compliance with Legal Order/Levy	$50	per item	None
Retirement & IRA
IRA Transfer to Another Institution (audience not stated, treated as personal)	$25	Not stated	None
IRA Withdrawal, per withdrawal	$25	per item	None
IRA Withdrawal, per withdrawal	$25	per item	None
Gift & Prepaid Cards
Visa Gift Card, per card (audience not stated, treated as personal)	$5	per item	None
Other Fees
Monthly Statement Printout	$2Not compared: Monthly charge, not per item	per month	None
Monthly Statement Printout	$5Not compared: Monthly charge, not per item	per month	None
Photocopy, per page	$2	per item	None
Photocopy, per page	$1	per item	None
Loan Extension (Ag loans not included)	$35	Not stated	None
Loan Refinance (in house)	$75	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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