Bank · FDIC insured
Sentry Bank CD Rates
Sentry Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 1 year to 3 years. Rates checked October 16, 2026.
How Sentry Bank’s CD rates compare
Compared with banks and credit unions near St. Cloud, MN, where Sentry Bank has the most branches. $10,000, best rate first.
This bank’s best
Sentry Bank
4.00%APY
- Term
- 12 months
- Minimum
- $10,000
- Earns on $10,000
- $400
Certificate Specials
Top rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
2nd-highest rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,163
Sentry Bank CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sentry Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate Specials
Up to 4.00%APY · 3 terms
Limited time offer. Not valid with any other offers. Fixed for the initial term, automatically renews upon maturity. Penalty for early withdrawal. $5,000.00 of the funds must be new to Sentry Bank.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$5,000.00 of the funds must be new to Sentry Bank. Penalty for early withdrawal | 4.00% | $400 |
| 24 months$5,000.00 of the funds must be new to Sentry Bank. Penalty for early withdrawal | 3.85% | $785 |
| 36 months$5,000.00 of the funds must be new to Sentry Bank. Penalty for early withdrawal | 3.75% | $1,168 |
Sources (3)
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.