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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 August 15, 2022 and subject to change without notice. All loans subject to credit approval.

Vehicle Loan Rates

Vehicle Loans

Vehicle rates and terms available for titled cars, SUVs, trucks, vans, motorcycles, travel trailers, pop-up campers, campers, 5th wheel trailers, motor homes, motorboats, pontoon boats, and sailboats (16 feet in length or greater).

Model Year

Terms

APR(1) (as low as)

Monthly Payment(2)

New Yet to be Titled

Up to 84 Months

3.25%

$13.33

10 Years Old & Newer

Up to 72 Months

3.50%

$15.42

Older Than 10 Years

Up to 60 Months

4.15%

$18.48

Apply Today

 

Boat and Large RVs Loans Only

Rates and terms available with $20,000 minimum amount financed, for titled travel trailers, pop-up campers, campers, 5th wheel trailers, motor homes, motorboats, pontoon boats, and sailboats (16 feet in length or greater)

Model Year

Terms

APR(1) (as low as)

Monthly Payment(2)

15 Years Old & Newer

Up to 120 Months

3.95%

$10.10

Older Than 15 Years

Up to 120 Months

5.95%

$11.08

Apply Today

 

Small RV Loans

Small RV rates and terms available for snowmobiles, jet skis, all-terrain vehicles, utility task vehicles, side-by-side utility vehicles, horse trailers, non- commercial utility/car trailers, dirt bikes, scooters, and mopeds.

Model Year

Terms

APR(1) (as low as)

Monthly Payment(2)

5 Years Old & Newer

Up to 36 Months

6.25%

$30.54

Older Than 5 Years

Up to 36 Months

8.25%

$31.45

Apply Today

Loan Rates

Loan Type

APR (as low as)

Monthly Payment

Certificate Secured Loan

(3)(3)

Share Secured Loan(4)

2.00%

$28.64

Unsecured Signature Loan(4)

9.90%

$32.22

Credit Establishment Loan(4)

14.00%

$34.18

Unsecured Line of Credit(5)

9.90%

$40.00

CURA Line of Credit(5)

14.00%

$40.00

Apply Today

(1) 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.

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

(3) APR is 2.00% above the certificate rate securing the loan, monthly payment and term based on certificate maturity date securing the loan see loan officer for rate and payment details.

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

(5) 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

8.90%

APR – Balance Transfer

8.90%

APR – Cash Advances

8.90%

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