Credit union · NCUA insured
Sentry Credit Union Auto Loan Rates
Sentry Credit Union auto loans start at 4.95% APR for a new vehicle and 5.15% for a used one. Rates checked October 16, 2026.
How Sentry Credit Union’s auto loan rates compare
Compared with banks and credit unions near Stevens Point, WI, where Sentry Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Sentry Credit Union
4.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Vehicle Loans
Lowest rate
Simplicity Credit Union
4.49%APR
- Terms
- 48–60 months
- Discount
- None included
2nd-lowest rate
Valley Communities Credit Union
4.72%APR
- Terms
- up to 60 months
- Discount
- None included
Sentry Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew4.95%
- Used vehicleUsed5.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sentry Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Vehicle Loans
Available for new or used cars, trucks, SUVs, and motorcycles from dealerships or private sellers, or refinancing existing vehicle loans. No down payment required on most loans, in certain cases a down payment may be needed. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.95% | Model Year: New Yet to be Titled. Rate shown includes a 0.50% Auto Pay discount when repayment is set up via payroll deduction or automatic transfer from an SCU savings or checking account. Subject to credit approval. |
| up to 72 months | 5.15% | Model Year: 10 Years Old & Newer. Rate shown includes a 0.50% Auto Pay discount when repayment is set up via payroll deduction or automatic transfer from an SCU savings or checking account. Subject to credit approval. |
| up to 60 months | 6.15% | Model Year: Older Than 10 Years. Rate shown includes a 0.50% Auto Pay discount when repayment is set up via payroll deduction or automatic transfer from an SCU savings or checking account. Subject to credit approval. |
Sources (3)
- sentrycu.org/loans/consumer-loans
- sentrycu.org/loans/consumer-loans/auto-motorcycle
- sentrycu.org/resources/consumer-loan-rates
All captured Oct 5, 2026
Who can join Sentry Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates of Sentry Insurance are eligible for membership.
- Employees of a domestic subsidiary in which Sentry Insurance Company has a controlling ownership interest are eligible for membership.
Family and household
- Immediate family members (including spouse, parents, siblings, children, grandparents, grandchildren, and all steps and spouses) of any eligible person are eligible for membership.
Cost to join
- A $5.00 deposit in a Share Savings Account is required as a membership share in SCU.
Membership information collected October 5, 2026.