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Consumer Loan Rates

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Consumer Loan Rates

At Sentry Credit Union consumer loan and credit card rates are kept competitive to save you money. For more information or to apply for a loan contact Sentry Credit Union locally at (715) 346-6534 or (877) 368-7928.

All Annual Percentage Rates (APR) effective April 1, 2022 and subject to change

Vehicle Loan Rates

Vehicle Rates and terms available for Autos, Trucks, Vans, Motorcycles, Motor Homes, Boats (including motor/trailer), 5th Wheels, Travel Trailers, and Campers (unless otherwise specified).

Model Years 2020 and Newer

Repayment Terms

APR(1) (as low as)

Monthly Payment(2)

36 Months

2.24%

$28.75

60 Months

2.49%

$17.74

72 Months

2.74%

$15.08

84 Months(3)

2.74%

$13.10

 

Model Years 2017 - 2019

Repayment Terms

APR(1) (as low as)

Monthly Payment(2)

60 Months

2.74%

$17.85

 

Model Years 2016 and Older

Repayment Terms(4)

APR(1) (as low as)

Monthly Payment(2)

36 Months

2.99%

$29.08

48 Months

2.99%

$22.13

60 Months

2.99%

$17.96

 

Boat and Large RVs Only ($20,000 Minimum Amount Financed)

Model Year

Repayment Terms

APR(1) (as low as)

Monthly Payment(2)

2020 and Newer

120 Months

2.74%

$9.54

2017 - 2019

120 Months

2.74%

$9.54

2016 and Older

120 Months

2.99%

$9.65

 

New Models of Snowmobiles, Jet Skis, ATVs, Scooters, Mopeds

Repayment Terms

APR(1) (as low as)

Monthly Payment(2)

36 Months

5.25%

$30.08

Loan Rates

Loan Type

APR (as low as)

Monthly Payment

Share Secured(5)

2.00%

$28.64

Unsecured Line of Credit(6)

9.90%

$40.00

CURA Line of Credit(6)

14.00%

$40.00

(1) APR = Annual Percentage Rate. Fixed Rate with 0.50% discount for Auto Pay if repayment is set up on payroll deduction or automatic transfer from an SCU savings or checking account. All loans subject to credit approval. Rates subject to change without notice.

(2) Monthly payment is based on payment per $1,000 for term and rate shown above.

(3) Current model years, only for new auto purchases on yet to be titled autos.

(4) 60 Month term for financing $10,001 or more, 48 Month term for financing $4,000 to $10,000, 36 Month term when financing less than $4,000.

(5) Fixed rate loan, monthly payment is based on payment per $1,000 for 36-month term and rate shown above.

(6) Minimum payment calculated as 4% of the loan balance at time of advance, monthly payment is based on $1,000 at the rate shown above.

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