Rates

Savings - Checking

Account Type Rate APY Dividend Paid Min. Balance
Share Savings 0.05% 0.05% Quarterly $5.00
Kirby Kangaroo Club 0.05% 0.05% Quarterly $5.00
Piggy Bank Account 0.05% 0.05% Quarterly None
Premium Plus Checking 0.05% 0.05% Monthly $500

Money Market

Rate APY Dividend Paid Min. Balance
0.15% 0.15% Weekly $1,000 ($2,000 to Open)

Term Share Certificates

The rates listed below are for minimum deposit of $10,000 or more.

Term Rate APY Bump Rate Option
6 Months 0.20% 0.20%
12 Months 0.25% 0.25%
18 Months 0.30% 0.30%
24 Months 0.35% 0.35% Once
30 Months 0.45% 0.45% Once
3 Years 0.65% 0.65% Twice
4 Years 0.90% 0.90% Twice
5 Years 1.19% 1.20% Twice

 

What is the Bump Rate Option?
The rates listed below are for deposits of $500 up to $9,999.

Term Rate APY Bump Rate Option
6 Months 0.10% 0.10%
12 Months 0.15% 0.15%
18 Months 0.20% 0.20%
24 Months 0.25% 0.25% Once
30 Months 0.35% 0.35% Once
3 Years 0.55% 0.55% Twice
4 Years 0.80% 0.80% Twice
5 Years 1.10% 1.10% Twice

What is the Bump Rate Option?

APY = Annual Percentage Yield

All accounts at Sentry Credit Union are federally insured to $250,000 by NCUA, a U. S. government agency.

 

IRAs

For retirement accounts, Members can select a Regular IRA (individual retirement account), Roth IRA or Education IRA. Members can select from the Plateau Account (an open deposit account with no fixed term) or a Certificate of Deposit (fixed term of 18 or 30 months). The rates on these accounts are listed below:
IRA Plateau Account

 

Balance Rate APY Term
$1 – $2,000 0.15% 0.16% Open
$2,001 – $5,000 0.25% 0.26% Open
$5,001 – $10,000 0.35% 0.36% Open
$10,001 and Up 0.50% 0.51% Open

 

IRA Certificates of Deposit

Term Rate APY Min. Balance
18 Months 0.20% 0.20% $500
30 Months 0.35% 0.35% $500

 

APY = Annual Percentage Yield

Individual retirement accounts at Sentry Credit Union are federally insured to $250,000 by NCUA, a U. S. government agency. This coverage is in addition to the $250,000 of insurance on your other SCU accounts.

 

Auto Loans

Special Low Rates for Purchases and Refinancing of non-SCU Auto Loans

New and used auto loans from Sentry Credit Union offer long repayment terms with great, low rates which gives Members their lowest monthly payments. In addition, Members can get a lower financing rate if their repayment is on payroll deduction or automated transfer from their SCU savings or checking accounts. Here are the current rates in effect:

 

Model Year Fixed Rate with PRD/Auto Pay* Fixed Rate* Repayment Terms
2016, 2015, 2014 1.90% 2.40% Up to 36 Months
2016, 2015, 2014 2.90% 3.40% 37 to 60 Months
2016, 2015, 2014 3.40% 3.90% 61 to 72 Months
2013, 2012, 2011 3.40% 3.90% Up to 60 Months
2010 and Older 3.90% 4.40% 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 January 1, 2015 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.

 

Model Year Fixed Rate – PRD/Auto Pay Term
New, Untitled 2016, 2015, 2014 3.90%* Up to 84 Months

Credit Cards

Members can take advantage of a great, low interest rate on the credit cards from SCU — with both VISA and MasterCard to choose from. Listed below are rates and terms of the credit cards from SCU. View Enhanced Services Here.

 

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 of these services, click on the Enhanced Services tab at the top of this page.

Get your VISA or MasterCard from Sentry Credit Union. Call SHO ext. 6534, local at 715-346-6534 or toll free at 877-368-7928.

 

Loan Rates

Loan Types Variable APR Fixed APR
Share Secured 1.75% 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 2014. That rate is currently at 0.00%. 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.

For more information on these or any other loans from Sentry Credit Union, contact our Loan Department at SHO ext. 346-6534, local at 715-346-6534, toll free at 877-368-7928.