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Sentry Credit Union Rates & Review April 2026

Sentry Credit Union's 5 Years Term CD rates are at 3.80%, 4 Years Term CD rates are at 3.70%, 3 Years Term CD rates are at 3.49%, 30 Month Term CD rates are at 3.39%, 24 Month Term CD rates are at 3.29%. Sentry Credit Union's savings rates are at 0.45%. Sentry Credit Union's money market rates are at 1.00%. Sentry Credit Union's Fixed Rate 1st Mortgage 15 Years rates are at 5.45%, Fixed Rate 1st Mortgage 20 Years rates are at 6.25%, Fixed Rate 1st Mortgage 30 Years rates are at 6.75%, Vacant Land Loans 15 Years rates are at 7.00%. Sentry Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Sentry Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.87%. Rates were last updated on 04/08/2026.

Sentry Credit Union 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 Credit Union? Share your experience about Sentry Credit Union by leaving a review below, or read customer reviews before you decide to use Sentry Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.87%
Excellent Lower than avg
Sentry Credit Union
Sentry Credit Union
1800 N Point Dr
Stevens Point, WI 54481 1253
https://www.sentrycu.org
Member NCUA

Sentry Credit Union CD Rates

Product Rate APY Term View More
5 Years Term Share Certificate 3.75% 3.80% 5
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
4 Years Term Share Certificate 3.65% 3.70% 4
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
3 Years Term Share Certificate 3.45% 3.49% 3
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
30 Month Term Share Certificate 3.35% 3.39% 30 Months
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
30 month Term Share Certificate 3.35% 3.39% 30
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
24 Month Term Share Certificate 3.25% 3.29% 24 Months
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
24 month Term Share Certificate 3.25% 3.29% 24
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
18 Month Term Share Certificate 3.15% 3.19% 18 Months
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
18 month Term Share Certificate 3.15% 3.19% 18
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
12 Month Term Share Certificate 3.00% 3.03% 12 Months
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
12 month Term Share Certificate 3.00% 3.03% 12
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
6 Month Term Share Certificate 2.00% 2.00% 6 Months
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
6 month Term Share Certificate 2.00% 2.00% 6
Min Balance $500
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%

Sentry Credit Union Savings Rates

Product Rate APY View More
Savings 3.75% 3.82%
Min Balance $200,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Savings 2.15% 2.17%
Min Balance $100,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Share Savings Account 2.00% 2.02%
Min Balance $10,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Christmas Club 1.75% 1.76%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Share Savings Account 1.50% 1.51%
Min Balance $5,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Savings 1.25% 1.26%
Min Balance $25,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Savings 1.00% 1.00%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Share Savings Account 0.75% 0.75%
Min Balance $1
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Saver's Sweepstakes 0.45% 0.45%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Share Savings 0.45% 0.45%
Min Balance $5
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%

Sentry Credit Union Money Market Rates

Product Rate APY View More
Money Market 3.75% 3.82%
Min Balance $200,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Money Market 2.15% 2.17%
Min Balance $100,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Money Market 1.25% 1.26%
Min Balance $25,000
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Money Market 1.00% 1.00%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%

Sentry Credit Union Checking Rates

Product Rate APY View More
Checking 0.35% 0.35%
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%

Sentry Credit Union Mortgage Rates

Product Rate Points APR Term View More
Fixed Rate 1st Mortgage 15 Years 5.45% - 5.59% 15
Details Owner-Occupied Residences Only
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Fixed Rate 1st Mortgage 20 Years 6.25% - 6.38% 20
Details Owner-Occupied Residences Only
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Fixed Rate 1st Mortgage 30 Years 6.75% - 6.85% 30
Details Owner-Occupied Residences Only
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Vacant Land Loans 15 Years 7.00% - 7.35% 15
No additional details.
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%

Sentry Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity 10 Years 6.75% - 6.75% 10
Details Owner-Occupied Residences Only
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Variable Rate Home Equity Line of Credit 6.75% - 6.75% 10
Details Owner-Occupied Residences Only
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%

Sentry Credit Union Credit Card Rates

Product Rate APR View More
Credit Card - 8.90%
Details APR - Purchases; APR - Balance Transfer; APR - Cash Advances; Grace Period - Purchases: 25 Days; Annual Fee: ; Min. Finance Charge: ; Balance Transfer Fee: ; Cash Advance Fee: ; Over Limit Fee: ; Late Payment Fee:
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
SCU Visa® Credit Card - 8.90%
Details No annual fee; No over-the-limit fee; No balance transfer fee; No cash advance fee; No late fee
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%

Sentry Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loan - 9.90%
Details Under $10,000; As Low As
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%
Personal Loan & Above - 10.90%
Details $10,000; As Low As
Last Updated 04/08/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.87%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Sentry Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Sentry Credit Union 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sentry Credit Union
Address 1800 N Point Dr, Stevens Point, WI 54481 1253
Phone 715-346-6532
Fax 715-346-7930
President Andrew Kruit
CEO Timothy Barthel
Full-Time Employees 16
Part-Time Employees 2
Branch Locations 1
ATM Locations 6
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.87%
Return on Assets (ROA)
0.6673%
Return on Equity (ROE)
5.1712%
Non-Performing Loans Ratio (NPL)
0.17%
Total Assets
158,409,805
Total Amount of Shares and Deposits
137,199,890
Total Shares and Deposits < 1 Year
127,487,437
Total Shares and Deposits 1 3 Years
8,169,302
Total Shares and Deposits > 3 Years
1,543,151
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,750,321
Total Uninsured Shares and Deposits > $250K (F+J)
5,750,321
Total Insured Shares and Deposits > $250K (item 17 less item K)
131,449,569
Total Interest Expense (Sum of items 6 8)
1,838,678
Share Certificates
375
Number of Accounts for Share Drafts
4,473
IRA KEOGH Accounts
127
Number of Accounts for Regular Shares
9,457
Non Member Deposits
1
Money Market Shares
1,246
Net Income (unless the amount is already included in Undivided Earnings)
1,056,991
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
17,494,113
Total Liabilities
137,969,918
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Sentry Credit Union

Is Sentry Credit Union a safe place to deposit money?

Yes, Sentry Credit Union is considered a safe financial institution. With a Texas Ratio of 0.87440796517124%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Sentry Credit Union operate?

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

Is a member application needed to join Sentry Credit Union?

Yes, to access services at Sentry Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sentry Credit Union 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sentry Credit Union offer online and mobile banking?

Most modern institutions like Sentry Credit Union 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.sentrycu.org.

Current Sentry Credit Union Rates

  • 12-Month CD3.03%
  • 18-Month CD3.19%
  • 24-Month CD3.29%
  • 60-Month CD3.80%
  • Savings0.45%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.