No risk, big gains.
Choose from Certificate rates and terms that come with a guaranteed payout at the end.
Benefits You’ll Love
- Earn guaranteed returns on your investment
- Competitive rates help you save
- A variety of terms to meet your needs
- Low minimum opening deposit
Accentra's Certificates: Secure Your Savings, Secure Your Future
At Accentra Credit Union, we know that growing your savings requires thoughtful planning. Our Certificates offer a secure, reliable way to increase your wealth, whether you're focused on short-term goals or long-term financial stability.
Why Choose Accentra Certificates?
- Earn Fixed Rates: Enjoy rates higher than standard savings accounts, with the potential for even greater returns on longer terms.
- Secure Your Investment: Certificates provide a safer alternative to more volatile investments, offering peace of mind as you grow your savings.
- Flexible Terms: Choose from a variety of term lengths, ranging from 3 to 60 months, to match your financial goals.
- No Hidden Fees: Open and maintain your Certificate without worrying about setup or maintenance fees.
- Automatic Renewal Option: Conveniently renew your Certificate at maturity, or access your funds as needed.
- Low Minimum Deposit: Start your Certificate with as little as $10.
- Federally Insured: Your funds are protected, with federal insurance provided by the NCUA.
Ready to Start Saving? Opening an Accentra Certificate is simple. Visit any of our three branch locations, and our friendly team will help you choose the Certificate that best fits your financial needs. Prefer to manage your finances from home? You can also apply online with ease!
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This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Balloon Loans
| Term Rates | Rate | APR* as low as |
|---|---|---|
| 5 Year Balloon | 5.375% | 5.644% |
| 7 Year Balloon | 5.500% |
5.770% |
| 10 Year Balloon | 5.750% | 6.135% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Balloon Loan repayment terms and an amortization schedule.
Boats, RVs, Campers
| Age of Vehicle | 0-2 years | 3-5 years | 6-10 years | 10+ years |
|---|---|---|---|---|
| Term Rates | APR* as low as |
APR* as low as |
APR* as low as |
APR* as low as |
| 12 Months | 6.88% | 8.13% | 8.63% | 9.13% |
| 24 Months | 6.70% | 7.95% | 8.45% | 8.95% |
| 36 Months | 6.64% | 7.89% | 8.39% | 8.89% |
| 48 Months | 6.60% | 7.85% | 8.35% | 8.86% |
| 60 Months | 6.68% | 7.94% | 8.44% | 8.94% |
| 72 Months | 6.82% | 8.07% | 8.57% | 9.07% |
| 84 Months | 6.96% | 8.21% | 8.71% | 9.21% |
| 120 Months | 7.55% | 8.80% | 9.30% | 9.80% |
| 144 Months | 7.54% | 8.79% | 9.29% | 9.79% |
| 180 Months | 8.02% | 9.27% | 9.78% | N/A |
*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment example: A 60 month $25,000 fixed rate secured new boat/camper/RV loan at 6.68% APR* has an approximate monthly payment of $491.31.
Business Checking and Money Market Savings Interest Rates
| Dividend Rate | APY* | Interest Compounded | Balance |
|---|---|---|---|
| 0.05% | 0.05% | Monthly | $0 - $9,999 |
| 0.10% | 0.10% | Monthly | $10,000 - $24,999 |
| 0.15% | 0.15% | Monthly | $25,000 - $49,999 |
| 0.20% | 0.20% | Monthly | $50,000 - $99,999 |
| 0.35% | 0.35% | Monthly | $100,000 - $249,999 |
| 0.50% | 0.50% | Monthly | $250,000 - Greater |
*APY = Annual Percentage Yield.
Cars, Trucks, and Vans
| Age of Vehicle | 0-2 years | 3-5 years | 6-10 years | 10+ years |
|---|---|---|---|---|
| Term Rates | APR* as low as |
APR* as low as |
APR* as low as |
APR* as low as |
| 12 Months | 5.62% | 6.88% | 7.38% | 7.88% |
| 24 Months | 5.45% | 6.70% | 7.20% | 7.70% |
| 36 Months | 5.38% | 6.64% | 7.14% | 7.64% |
| 48 Months | 5.45% | 6.70% | 7.20% | 7.70% |
| 60 Months | 5.57% | 6.82% | 7.32% | 7.82% |
| 72 Months | 5.56% | 6.81% | 7.31% | 7.81% |
| 84 Months | 5.81% | n/a | n/a | n/a |
* APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment Example: A 60 month $25,000 fixed rate secured new auto loan at 5.57% APR* has an approximate monthly payment of $478.37.
Certificate Accounts
| Term | Rate | APY* | Interest Compounded | Minimum Opening Deposit |
| 3 Months | 0.20% | 0.20% | At Maturity | $500.00 |
| 6 Months | 0.25% | 0.25% | At Maturity | $500.00 |
| 6 Months Special*** | 4.00% | 4.04% | At Maturity | $500.00 |
| 18 Months** | 3.19% | 3.23% | Monthly | $10.00 |
| 24 Months | 0.40% | 0.40% | Quarterly | $500.00 |
| 36 Months | 0.50% | 0.50% | Quarterly | $500.00 |
| 48 Months | 0.60% | 0.60% | Quarterly | $500.00 |
| 60 Months | 0.70% | 0.70% | Quarterly | $500.00 |
*APY = Annual Percentage Yield
**Applies to 18 month term only: the interest rate and Annual Percentage Yield (APY) are variable and is based on an Index. 18 month certificate is not available to Business Accounts.
*** Applies to 6 month special certificate only: At maturity, the 6-month special certificate will automatically renew at the standard 6-month certificate's rate and term.
Christmas Club
| Dividend Rate | APY* | Interest Compounded | Minimum Opening Deposit |
|---|---|---|---|
| 0.10% | 0.10% | Quarterly | $20.00 |
*APY = Annual Percentage Yield. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and APY's may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.
Construction Loans
| Term Rates | Rate | APR* as low as |
|---|---|---|
| Up to 1 Year | 5.375% | 5.644% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. During the construction phase, payments are interest only based on the loan amount advanced.
Home Equity - Line of Credit
| Term Rates | APR* as low as |
|---|---|
| Introductory Rate for 6 months | 3.90% |
| Rate after 6 months | 7.500% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Payments: 1.0% of principal balance owed on the monthly billing date (minimum payment $50) after each new advance. Loan term is 20 years - 10 year draw period and 10 repayment period. Rate subject to change semi-annually. Maximum rate 18%. A 20 year $30,000 variable rate home equity loan at 7.500% APR has an approximate monthly payment of $300. Other terms and amounts are available.
Home Equity Loans
| Term Rates | Rate | APR* as low as |
|---|---|---|
| 5 Year Fixed Rate, Up to 80% of Value | 5.500% | 5.789% |
| 10 Year Fixed Rate, Up to 80% of Value | 6.500% | 6.656% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Payment example: A 5 year $15,000 fixed rate home equity loan at 5.789% APR has an approximate monthly payment of $286.52. Other terms and amounts are available.
Home Improvement Loans
| Loan Amount | APR* as low as |
|---|---|
| Up to $10,000 | 6.25% |
*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR = Annual Percentage Rate is based on a $100,000 mortgage with a 1% origination fee and a 20% down payment.
Home Loans
| Term Rates | Rate | APR* as low as |
|---|---|---|
| 10 Year Fixed | 5.375% | 5.644% |
| 15 Year Fixed | 6.000% | 6.365% |
| 20 Year Fixed | 6.250% | 6.543% |
| 30 Year Fixed | 6.625% | 6.852% |
*APR = Annual Percentage Rate. On approved credit. Not all will qualify for the lowest rate. Fixed rate repayment terms and an amortization schedule.
IRA Savings
| Dividend Rate | APY* | Interest Compounded | Minimum Opening Deposit |
|---|---|---|---|
| 0.10% | 0.10% | Quarterly | $20.00 |
*APY = Annual Percentage Yield. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and APY's may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.
Kasasa Cash*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Money Market Savings
| Dividend Rate | APY* | Interest Compounded | Balance |
|---|---|---|---|
| 0.05% | 0.05% | Monthly | $0 - 2,499 |
| 0.05% | 0.05% | Monthly | $2,500 - 9,999 |
| 0.10% | 0.10% | Monthly | $10,000 - 24,999 |
| 0.15% | 0.15% | Monthly | $25,000 - 49,999 |
| 0.20% | 0.20% | Monthly | $50,000 - 99,999 |
| 0.35% | 0.35% | Monthly | $100,000 - Greater |
*APY = Annual Percentage Yield. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and APY's may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.
Motorcycles, ATVs, Snowmobiles, and Jetskis
| Age of Vehicle | 0-2 years | 3-4 years | 5-7 years | 8+ years |
|---|---|---|---|---|
| Term Rates | APR* as low as |
APR* as low as |
APR* as low as |
APR* as low as |
| 12 Months | 7.27% | 8.27% | 8.52% | 9.02% |
| 24 Months | 7.09% | 8.09% | 8.34% | 8.84% |
| 36 Months | 7.13% | 8.13% | 8.38% | 8.88% |
| 48 Months | 7.34% | 8.34% | 8.59% | 9.10% |
| 60 Months | 7.57% | 8.58% | 8.83% | 9.33% |
| 72 Months | 7.81% | 8.81% | 9.06% | 9.56% |
*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment Example: A 60 month $25,000 fixed rate secured new PowerSport loan at 7.57% APR* has an approximate monthly payment of $501.83.
Other Secured Loans
| Age of Vehicle | 0-2 years | 3-4 years | 5-7 years | 8+ years |
|---|---|---|---|---|
| Term Rates | APR* as low as |
APR* as low as |
APR* as low as |
APR* as low as |
| 12 Months | 7.28% | 8.53% | 9.03% | 9.53% |
| 24 Months | 7.10% | 8.35% | 8.85% | 9.35% |
| 36 Months | 7.04% | 8.29% | 8.79% | 9.29% |
| 48 Months | 7.05% | 8.30% | 8.81% | 9.31% |
| 60 Months | 7.07% | 8.33% | 8.83% | 9.33% |
| 72 Months | 7.46% | 8.71% | 9.21% | 9.71% |
| 84 Months | 7.55% | 8.80% | 9.30% | 9.80% |
| 120 Months | 8.04% | 9.29% | N/A | N/A |
*APR = Annual Percentage Rate. Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Not all will qualify for the lowest rate. Rates are subject to change. APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available. Payment Example: A 60 month $25,000 fixed rate new other secured loan at 7.07% APR* has an approximate monthly payment of $495.90.
Share Savings
| Dividend Rate | APY* | Interest Compounded | Minimum Opening Deposit |
|---|---|---|---|
| 0.05% | 0.05% | Quarterly | $5.00 |
*APY = Annual Percentage Yield. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and APY's may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.