Rate Sheet
Interest Rates for Our Deposit Accounts
From our savings and checking accounts to loans and credit cards, you can find the interest rate information for the accounts at Sentry Credit Union.
APY = Annual Percentage Yield. The dividend rate and APY may change at management’s discretion. Fees could reduce earnings.
For more information contact Sentry Credit Union at SHO ext. 346-6534, local at 715-346-6534 or toll-free at 877-368-7928.
Savings and Checking Rates
Rates effective October 21, 2019
Account Type | Rate | APY | Dividend Paid | Min. Balance |
|---|---|---|---|---|
Share Savings | 0.15% | 0.15% | Quarterly | $5.00 |
Kirby Kangaroo Club | 0.15% | 0.15% | Quarterly | $5.00 |
Piggy Bank Account | 0.15% | 0.15% | Quarterly | None |
Premium Plus Checking | 0.15% | 0.15% | Monthly | $500 |
Money Market Rates
Rate effective October 21, 2019 to October 27, 2019
Rate | APY | Dividend Paid | Min. Balance |
|---|---|---|---|
0.50% | 0.50% | Weekly | $1,000 ($2,000 to Open) |
Term Share Certificate Rates
Rates effective October 21, 2019
Term Share Certificates – minimum deposit of $10,000 or more
| Term | Rate | APY | Bump Rate Option |
|---|---|---|---|
| 6 Months | 0.40% | 0.40% | |
| 12 Months | 0.70% | 0.70% | |
| 18 Months | 0.80% | 0.80% | |
| 24 Months | 1.39% | 1.40% | Once |
| 30 Months | 1.49% | 1.50% | Once |
| 3 Years | 1.59% | 1.60% | Twice |
| 4 Years | 1.69% | 1.70% | Twice |
| 5 Years | 1.79% | 1.80% | Twice |
Term Share Certificates – deposits of $500 up to $9,999
| Term | Rate | APY | Bump Rate Option |
|---|---|---|---|
| 6 Months | 0.30% | 0.30% | |
| 12 Months | 0.60% | 0.60% | |
| 18 Months | 0.70% | 0.70% | |
| 24 Months | 0.80% | 0.80% | Once |
| 30 Months | 0.90% | 0.90% | Once |
| 3 Years | 1.00% | 1.00% | Twice |
| 4 Years | 1.10% | 1.10% | Twice |
| 5 Years | 1.20% | 1.20% | Twice |
APY = Annual Percentage Yield
Term Share Certificates may have a penalty for early withdrawal. Fees could reduce earnings.
IRA Rates
Rates effective October 21, 2019
IRA Plateau Account
| Balance | Rate | APY | Term |
|---|---|---|---|
| $1 – $2,000 | 0.35% | 0.36% | Open |
| $2,001 – $5,000 | 0.45% | 0.46% | Open |
| $5,001 – $10,000 | 0.55% | 0.56% | Open |
| $10,001 and Up | 0.70% | 0.71% | Open |
IRA Term Share Certificates
Rates effective October 21, 2019
| Term | Rate | APY | Min. Balance |
|---|---|---|---|
| 18 Months | 0.70% | 0.70% | $500 |
| 30 Months | 0.90% | 0.90% | $500 |
Auto Loan Rates
Model Year | Fixed Rate with PRD/Auto Pay* | Fixed Rate* | Repayment Terms |
|---|---|---|---|
2020, 2019, 2018 | 2.99% | 3.49% | Up to 36 Months |
2020, 2019, 2018 | 3.29% | 3.79% | 37 to 60 Months |
2020, 2019, 2018 | 3.79% | 4.29% | 61 to 72 Months |
2017, 2016, 2015 | 3.79% | 4.29% | Up to 60 Months |
2014 and Older | 4.29% | 4.79% | Depends on Amount |
Rates and terms listed above are available for both new and used: Autos, Trucks, Vans, Motorcycles, Motor Homes, Boats (including motor/trailer), 5th Wheels, Travel Trailers, Campers
*Fixed Rate APR = annual percentage rate. The 0.50% reduction is for loans with repayment set up on payroll deduction or automatic transfer from an SCU savings or checking account. Rates and terms in effect July 1, 2019 for purchase money, refinancing, or to use the equity in your existing vehicle(s) for prudent purposes. The amount financed for all model years will be the lower of purchase price or blue book (or appraised) value of the vehicle.
Auto Loan Rates – Extended Term
Model Year | Fixed Rate – PRD/Auto Pay | Term |
|---|---|---|
New, Untitled 2020, 2019, 2018 | 2.99%* | Up to 84 Months |
Credit Card Rates
Rate Description | Rate Amount |
|---|---|
APR – Purchases | 8.9% |
APR – Balance Transfer | 8.9% |
APR – Cash Advances | 8.9% |
Grace Period – Purchases | 25 Days |
Annual Fee | None |
Min. Finance Charge | None |
Balance Transfer Fee | None |
Cash Advance Fee | None |
Over Limit Fee | None |
Late Payment Fee | None |
In addition to the great rate and Member friendly terms, enhanced services for credit cards are also available at no charge. These services include Extended Warranty on Purchases, Purchase Replacement Protection, Credit Card Registration, Address Change Service, Auto Rental Discounts, Emergency Travel Services, and $200,000 Travel Accident Insurance. For more information on these services, click on the Enhanced Services tab at the top of this page.
Loan Rates
Loan Types | Variable APR | Fixed APR |
|---|---|---|
Share Secured | 4.00% | n/a |
Signature Line of Credit | N/A | 9.90% |
CURA Line of Credit | N/A | 14.00% |
The index for variable rate loans is the 13 week average of the 13-week treasury bill auction through December 2018. That rate is currently at 2.50%. A margin is added to the index rate to arrive at the variable rate APR. The current margin is 1.75%. Rates on existing variable rates loan balances change on the first day of each calendar quarter if the index changes. Rate changes will not change the monthly loan payment due, but may result in either fewer or more payments. Check the LoanLiner Agreement for complete details.