What are the current interest rates at Sentry Bank?

Current rates for Sentry Bank include: 12-Month CD: 3.80%

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Sentry Bank Rates & Review April 2026

Q: How many branches does Sentry Bank operate?

Sentry Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Sentry Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sentry Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 11, 2026

Sentry Bank's 11-Month CD Special rates are at 3.80%. MonitorBankRates evaluates the financial stability of Sentry Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.14%. Rates were last updated on 04/11/2026.

Sentry Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sentry Bank? Share your experience about Sentry Bank by leaving a review below, or read customer reviews before you decide to use Sentry Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.14%

Excellent Lower than avg

Sentry Bank

400 4th Ave Ne
Saint Joseph, MN 56374

https://www.mysentrybank.com

Sentry Bank CD Rates

Product	Rate	APY	Term	View More
11 month CD Special	-	3.80%	11
Min Deposit $10,000 Details *11 Months, $10,000 minimum deposit. Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.14%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Sentry Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Sentry Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sentry Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Sentry Bank

Bank Holding Company SAINT JOSEPH BANCSHARES ACQUISITIONS

Address 400 4th Ave Ne, Saint Joseph, MN 56374 · Stearns

Website https://www.mysentrybank.com

FDIC Certificate # 8546

Established 11/04/1904

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.14%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7230%

Return on Equity (ROE) 9.9700%

Non-Performing Loans (NPL) 0.01%

Total Assets $374,619,000

Total Deposits $324,239,000

Equity Capital $36,213,000

Net Income $4,253,000

Headquarters Saint Joseph

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Sentry Bank

Is Sentry Bank a safe place to deposit money?

Yes, Sentry Bank is considered a safe financial institution. With a Texas Ratio of 0.13505402160864%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Sentry Bank operate?

Sentry Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Sentry Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sentry Bank provides members with tools to manage their accounts and build a solid financial history.

Does Sentry Bank offer online and mobile banking?

Most modern institutions like Sentry Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mysentrybank.com.