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Rate Sheet

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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 November 18, 2019

Account Type

Rate

APY

Dividend Paid

Min. Balance

Share Savings

0.15%

0.15% (1)

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

In effect for Piggy Bank, Kirby Kangaroo and Saver's Sweepstakes

Money Market Rates

Rate effective November 18, 2019 to November 24, 2019

Rate

APY

Dividend Paid

Min. Balance

0.50%

0.50%

Weekly

$1,000 ($2,000 to Open)

 

Term Share Certificate Rates

Rates effective November 18, 2019

Term Share Certificates – minimum deposit of $10,000 or more

TermRateAPYBump Rate Option
6 Months0.40%0.40% 
12 Months0.70%0.70% 
18 Months0.80%0.80% 
24 Months1.34%1.35%Once
30 Months1.44%1.45%Once
3 Years1.54%1.55%Twice
4 Years1.64%1.65%Twice
5 Years1.74%1.75%Twice

 

Term Share Certificates – deposits of $500 up to $9,999

TermRateAPYBump Rate Option
6 Months0.30%0.30% 
12 Months0.60%0.60% 
18 Months0.70%0.70% 
24 Months0.80%0.80%Once
30 Months0.90%0.90%Once
3 Years1.00%1.00%Twice
4 Years1.10%1.10%Twice
5 Years1.20%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 November 18, 2019

IRA Plateau Account

BalanceRateAPYTerm
$1 – $2,0000.35%0.36%Open
$2,001 – $5,0000.45%0.46%Open
$5,001 – $10,0000.55%0.56%Open
$10,001 and Up0.70%0.71%Open

IRA Term Share Certificates

Rates effective November 18, 2019

TermRateAPYMin. Balance
18 Months0.70%0.70%$500
30 Months0.90%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.