Accentra CU - formerly HECU 
  
Member Online - Account Access Click here to apply online.
 
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Important Phone Numbers

24-Hr Lost/Stolen Visa
 888-776-8615

Lost/Stolen Check Card
 800-472-3272

 
24-Hour Account Service
You can call 888-776-8615 at any time for help with your Visa card. Click here to access your payment history and account balance online.
Apply for your VISA Card now!
You can apply day or night, 365 days a year! Apply online for a loan and get approved within minutes!

VISAŽ Platinum Card

With NO annual fee and its low APR, Accentra's Platinum VISA card is one of the best bargains in the business.

  • No Annual Fee and a great low rate!
  • Credit limit based on credit worthiness
  • 25 day grace period
  • Buyers Protection Program - as of Nov. 1
  • Travel Protection Package - as of Nov. 1
    • Auto Rental Collision Damage
    • Hotel/Motel Burglary Reimbursement
    • Lost Luggage Reimbursement
    • Travel Accident Insurance
    • Travel and Emergency Assistance Services
    • Trip Cancellation/Trip Interruption Benefits
    • See the Travel Protection Package brochure (99KB, PDF) for detailed explanations of these services.

Changes to your credit card account: to change your credit limit, address or the name on your account, you must call the credit union directly at 800-533-0448. Other questions and issues (lost/stolen cards, fraud, card activation issues, billing questions) can be directed to our 24-hour VISA call center at 888-776-8615.

Please review our Platinum VISA cardholder agreement form (102KB, PDF).

It's easy to consolidate your existing credit card balance onto a low-rate Accentra VISA and save money by paying less on interest. Simply print and complete a Transfer Authorization Form (206KB, PDF) and return it to the Credit Union or call our 24-Hr Call Center at 888-776-8615.

Worried about Shopping Online?

Verified by Visa protects your Visa card with a personal password, so only YOU can use your Visa card online. 

Verified by Visa - click here to enrollTo enroll, simply go to Verified by VISA, enter your card account number, and then create your own password. Then, whenever you shop online at an authorized store, you will be prompted to enter your password for verification. It's that simple, that quick. Best of all, it's a free service from Accentra Credit Union.

Frequently Asked Questions

Q. We have two Accentra Visa credit cards for our one account. How does Verified by VISA work for us?
A: Each of you will register separately and create your own password. Please note that if one cardholder registers, then the other should too.

Q: Can I register multiple Visa cards?
A: Yes, you may register all your Accentra VISAŽ Credit Cards.

Q. What is a Personal Authentification Message?
A: When you pay online, this message will always appear before you enter your password. This way you know you're using the actual Verified by VISA service. (Tip: Use this as a brief reminder of your password. For example, "moms birthday" could be your authentification message.)

Q: What if I forget my password?
A: If you forget your password, you can view your password hint by clicking "Forgot your password" on the Verified by VISA password window. If you still do not remember your password you will need to call the credit union.


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Savings Federally Insured
to at least $100,000

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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