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Consumer Loan Rates

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Interest Rates for Our Consumer Loans

Loans and credit cards, you can find the interest rate information for the consumer loans at Sentry Credit Union.  

For more information contact Sentry Credit Union at SHO ext. 346-6534, local at (715)-346-6534 or (877)-368-7928.

All Rates effective October 1, 2021 and subject to change

Vehicle Loan Rates

Model Year

Fixed Rate with PRD/Auto Pay*

Fixed Rate*

Repayment Terms

2022, 2021, 2020

2.24%

2.74%

Up to 36 Months

2022, 2021, 2020

2.49%

2,99%

37 to 60 Months

2022, 2021, 2020

2.74%

3.24%

61 to 72 Months

2019, 2018, 2017

2.74%

3.24%

Up to 60 Months

2016 and Older

2.99%

3.49%

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 October 1, 2021 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.

 

Vehicle Loan Rates – Extended Term

Model Year

Fixed Rate – PRD/Auto Pay

Term

New, Untitled 2022, 2021, 2020

2.74%*

Up to 84 Months

 

New Snowmobiles, Jet Skis, ATVs, Scooters, Mopeds

Model Year

Fixed Rate – PRD/Auto Pay

Term

New, Untitled 2022, 2021, 2020

5.25%*

Up to 36 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.  For more information on these services contact the Credit Union.

 

Loan Rates

Loan Types

Variable APR

Fixed APR

Share Secured

2.00%

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 June 2021. That rate is currently at 0.25%. 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.