Credit union · NCUA insured
Sentry Credit Union CD Rates
Sentry Credit Union’s best CD rate is 3.80% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Sentry Credit Union’s CD rates compare
Compared with banks and credit unions near Stevens Point, WI, where Sentry Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sentry Credit Union
3.80%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,050
Term Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Sentry Credit Union CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo3.39%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
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 Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificates
Up to 3.80%APY · 8 terms
Dividends earned daily, compounded and posted quarterly (except 6-month term where dividend is paid at end of term). Early withdrawal penalty may apply. Fees may reduce earnings. 24-month or longer certificates may qualify for Customiser Coupons to bump rate and/or add deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend paid at end of term | 2.00% | $100 |
| 12 monthsDividend paid quarterly | 3.03% | $303 |
| 18 monthsDividend paid quarterly | 3.19% | $482 |
| 24 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.29% | $669 |
| 30 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.39% | $869 |
| 36 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.49% | $1,084 |
| 48 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.70% | $1,564 |
| 60 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.80% | $2,050 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Term Share Certificates
Up to 3.80%APY · 8 terms
Available as Traditional, Roth, and Coverdell Education IRAs. Dividends earned daily, compounded and posted quarterly (except 6-month term where dividend is paid at end of term). Early withdrawal penalty may apply. Fees may reduce earnings. 24-month or longer certificates may qualify for Customiser Coupons.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend paid at end of term | 2.00% | $100 |
| 12 monthsDividend paid quarterly | 3.03% | $303 |
| 18 monthsDividend paid quarterly | 3.19% | $482 |
| 24 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.29% | $669 |
| 30 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.39% | $869 |
| 36 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.49% | $1,084 |
| 48 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.70% | $1,564 |
| 60 monthsDividend paid quarterly. May qualify for Customiser Coupons to bump rate and/or add a deposit | 3.80% | $2,050 |
Sources (2)
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.