Consumer Loan Rates
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 January 9, 2025 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, utility task vehicles, 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 | 5.75% | $14.50 |
10 Years Old & Newer | Up to 72 Months | 5.85% | $16.51 |
Older Than 10 Years | Up to 60 Months | 6.85% | $19.73 |
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 | 6.85% | $11.54 |
Older Than 15 Years | Up to 120 Months | 7.85% | $12.06 |
Powersport Loans
Powersport (Small RV) rates and terms available for snowmobiles, jet skis, all-terrain 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 | 7.25% | $30.99 |
Older Than 5 Years | Up to 36 Months | 8.25% | $31.45 |
Loan Rates
Loan Type | APR (as low as) | Monthly Payment |
|---|---|---|
Certificate Secured Loan | (3) | (3) |
Share Secured Loan(4) | 2.45% | $28.84 |
Personal Loan Under $10,000(4) | 9.90% | $32.23 |
Personal Loan$10,000 & Above(4) | 10.90% | $32.70 |
Credit Establishment Loan(4) | 14.00% | $34.19 |
CURA Line of Credit(5) | 14.00% | $20.00 |
(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) Share Secured and Unsecured Signature Fixed rate loans, monthly payment is based on payment per $1,000 for 36-month term and rate shown above.
(5) Minimum payment calculated is the greater of $20.00 or 2% of the outstanding 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 |