Accentra CU - formerly HECU 
  
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Savings Dividend Rates as of July 22, 2010

Certificates of Deposit: Regular, Traditional IRAs and Roth IRAs

Accent Value and Accent I

$500 Min

Rate

APY*

 3 -  5 Months (Q) 0.25% 0.25%
 6 - 11 Months (S) 0.40% 0.40%
7 Month Certificate Special (See description) 0.75% 0.75%
12 - 23 Months (Q) 0.50% 0.50%
Adjustable Rate 18-Month Certificate (See description) 0.83% 0.83%
24 - 35 Months (Q) 0.75% 0.75%
36 Month - Step Up (Q) 1.25% 1.25%
36 - 47 Months (Q) 1.25% 1.25%
48 - 59 Months (Q) 1.50% 1.50%
60 Months & greater (Q) 1.74% 1.75%

Accent II

$500 Min

Rate

APY*

 3 -  5 Months (Q) 0.35% 0.35%
 6 - 11 Months (S) 0.50% 0.50%
7 Month Certificate Special (See description) 0.75% 0.75%
12 - 23 Months (Q) 0.60% 0.60%
Adjustable Rate 18-Month Certificate (See description) 0.83% 0.83%
24 - 35 Months (Q) 0.85% 0.85%
36 Month - Step Up (Q) 1.35% 1.35%
36 - 47 Months (Q) 1.35% 1.35%
48 - 59 Months (Q) 1.60% 1.60%
60 Months & greater (Q) 1.84% 1.85%

Accent III

$500 Min

$50,000 Min

Rate

APY*

Rate

APY*

 3 -  5 Months (Q) 0.50% 0.50% N/A N/A
 6 - 11 Months (S) 0.65% 0.65% N/A N/A
7 Month Certificate Special (See description) 0.75% 0.75%
12 - 23 Months (Q) 0.75% 0.75% 0.85% 0.85%
Adjustable Rate 18-Month Certificate (See description) 0.83% 0.83%
24 - 35 Months (Q) 1.00% 1.00% 1.10% 1.10%
36 Month - Step Up (Q) 1.50% 1.50% 1.60% 1.60%
36 - 47 Months (Q) 1.50% 1.50% 1.60% 1.60%
48 - 59 Months (Q) 1.75% 1.76% 1.85% 1.86%
60 Months & greater (Q) 1.99% 2.00% 2.09% 2.10%
* APY is Annual Percentage Yield
Rates quoted above are accurate and effective as of the date indicated.
Certificate rates remain fixed for the term of the certificate.
A penalty may be imposed for withdrawals before maturity on certificates of deposit. 

Did You Know?
Your deposits are fully insured up to $250,000, and IRAs are separately insured to $250,000. This deposit insurance protection is provided by the National Credit Union Administration (NCUA), an independent agency of the United States Government. For more information, visit www.ncua.gov.

Money Market Accounts

Rate

Annual
Percentage
Yield

Minimum $2,500 0.20% 0.20%
Minimum $10,000 0.25% 0.25%
Minimum $25,000 0.40% 0.40%
Minimum $50,000 0.65% 0.65%
Minimum $100,000 1.00% 1.00%
Money Market dividends will be credited to your account and compounded every
month based on the average daily balance in your account. This schedule is
incorporated as a part of your account agreement with your Credit Union. Fees
or other conditions could reduce the earnings on the account.  Rates subject to change.

 

Checking Account Rates
 (Click here for Accent Reward Details)

Rate

Annual
Percentage
Yield

Accent Value N/A N/A
Accent I N/A N/A
Accent II 0.10% 0.10%
Accent III 0.20% 0.20%

Checking account dividends are paid and compounded monthly based on the
monthly based on the average daily balance in your account.  Rates subject to change.


  

Business Checking Rates 

Rate

Annual
Percentage
Yield

$0 - $2,499 0.20% 0.20%
Minimum $2,500 0.20% 0.20%
Minimum $10,000 0.25% 0.25%
Minimum $25,000 0.40% 0.40%
Minimum $50,000 0.65% 0.65%
Minimum $100,000 1.00% 1.00%

Checking account dividends are paid and compounded monthly based on the
monthly based on the average daily balance in your account.  Rates subject to change.


 

Basic Savings Accounts

Minimum 
Opening 
Balance

Rate

Annual
Percentage
Yield

Regular Shares $5 0.10% 0.10%
Christmas Club $20 0.15% 0.15%
Shares and Christmas Club will be paid at the close of business the last day of
each fiscal quarter based on the average daily balance in your account.
IRA Deposit Accounts $25 0.10% 0.10%
IRA savings interest is paid and compounded monthly based on the average daily
balance in your account. Rates subject to change.

 
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Savings Federally Insured
up to $250,000

Accentra Credit Union
Austin, MN - (507) 433-1829 
Albert Lea, MN - (507) 373-6500 
Toll-Free 800-533-0448
Email: ask@accentracu.org
ABA Routing & Transit Number 291973292

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