Enjoy simple, straight-forward checking.
With all the essentials you needs to handle day-to-day finances, Basic Checking is there for you.
Benefits You’ll Love
- Low, affordable opening deposit
- Manage your account on-the-go with online banking
- Complimentary debit card to access your funds
- Limited free ATM transaction withdrawals
Basic Checking — All the Essentials, Simply Better
Our Basic Checking account gives you everything you need for everyday banking — with no monthly maintenance fees and no unnecessary charges.
What You Get with Basic Checking
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No monthly maintenance fees — keep more of your money
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$50 minimum to open — easy to get started
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No transaction charges — no surprises
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Free Visa® debit card when you open your account
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No minimum number of transactions required — your banking, your pace
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Instant-issue replacement card for only $5, if you need a new one
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Automatic overdraft transfers available — peace of mind when funds are low
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Bill Pay — convenient online payments
Free Digital Banking Tools
Manage your money anytime, anywhere with our secure digital services:
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eStatements
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Mobile alerts
ATM Access & Rewards
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6 free out-of-network ATM transactions per month* — convenient access to your cash
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UChoose® Rewards — earn points on eligible debit card purchases**
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💸 Get Paid Early with Early Pay
Need your paycheck a little sooner? With Early Pay, you can access eligible direct deposits before their scheduled date—for just $2 per transaction.
As soon as we receive incoming deposit files from your employer, government agency, or payroll provider, we post them as pending transactions. This can happen the same day, a day early, or even up to a week in advance.
If you see a pending deposit on your account, you can choose to receive it early using our secure online or mobile banking platform.
How to Use Early Pay
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Open the menu
• Mobile app: Tap the 3-dot icon (bottom right)
• Online banking: Click the 3-line icon next to Accounts (top left) -
Go to Accounts → Pledges, Holds, Pending ACH
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Look for Pending ACH Items
If an eligible deposit appears, you'll see the ACH Early Pay option -
Select ACH Early Pay
A prompt will appear:
“Paying early will charge your account a fee. Are you sure you wish to continue? Current Fee: $2.00” -
Hit Submit or Confirm
That’s it! Your funds will be posted right away.
Early Pay is just one of the many new features available in our upgraded digital banking experience. Have questions? We’re happy to help—just call or stop by a branch!
Fraud Protection for Your Checking Account
Your financial security is a top priority at Accentra Credit Union. We offer robust fraud protection tools and features designed to help keep your checking account safe and secure.
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Instant Card Controls: Lock or unlock your debit card anytime right from the Accentra mobile app. This gives you quick control if you suspect unusual activity or simply misplace your card.
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Lost or Stolen Card Reporting: Easily report your debit card lost or stolen through our mobile app so we can take immediate action to help protect your account.
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Fraud Monitoring: Your account activity is continually monitored to help detect suspicious transactions. If we spot something out of the ordinary, we’ll contact you quickly so you can review and address it.
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Account Alerts: Set up customized alerts to notify you of debit card transactions, low balances, large purchases, or other activity — giving you real-time insight and control. Login to online banking or our mobile app to get started.
We combine smart technology with secure tools to help protect your money and give you confidence in your daily banking. Learn more about tips and tools to keep your accounts safe at all times.
Download the Accentra CU Mobile app today!
*Surcharges may apply.
**UChoose® Rewards registration required.
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 | 4.875% | 5.140% |
| 7 Year Balloon | 5.000% |
5.266% |
| 10 Year Balloon | 5.250% | 5.631% |
*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% | 7.63% | 8.13% | 8.38% |
| 24 Months | 6.70% | 7.45% | 7.95% | 8.20% |
| 36 Months | 6.64% | 7.39% | 7.89% | 8.14% |
| 48 Months | 6.60% | 7.35% | 7.85% | 8.10% |
| 60 Months | 6.68% | 7.43% | 7.94% | 8.19% |
| 72 Months | 6.82% | 7.57% | 8.07% | 8.32% |
| 84 Months | 6.96% | 7.71% | 8.21% | 8.46% |
| 120 Months | 7.55% | 8.30% | 8.80% | 9.05% |
| 144 Months | 7.54% | 8.29% | 8.79% | 9.04% |
| 180 Months | 8.02% | 8.77% | 9.27% | 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 | 5.36% | 5.61% | 6.11% | 6.87% |
| 24 Months | 5.19% | 5.44% | 5.94% | 6.69% |
| 36 Months | 5.12% | 5.37% | 5.87% | 6.63% |
| 48 Months | 5.20% | 5.45% | 5.95% | 6.70% |
| 60 Months | 5.33% | 5.58% | 6.08% | 6.83% |
| 72 Months | 5.32% | 5.57% | 6.07% | 6.82% |
| 84 Months | 5.45% | 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 5.33% APR* has an approximate monthly payment of $475.00.
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*** | 3.50% | 3.53% | At Maturity | $500.00 |
| 18 Months** | 2.66% | 2.69% | 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 | 4.875% | 5.140% |
*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 | 6.750% |
*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 6.750% 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 | 5.000% | 5.288% |
| 10 Year Fixed Rate, Up to 80% of Value | 6.000% | 6.154% |
*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 5.288% APR has an approximate monthly payment of $283.07. Other terms and amounts are available.
Home Improvement Loans
| Loan Amount | APR* as low as |
|---|---|
| Up to $10,000 | 6.00% |
*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 | 5.250% | 5.631% |
| 15 Year Fixed | 5.625% | 5.986% |
| 20 Year Fixed | 5.750% | 6.038% |
| 30 Year Fixed | 6.000% | 6.218% |
*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% | 7.67% | 8.02% | 8.52% |
| 24 Months | 7.09% | 7.49% | 7.84% | 8.34% |
| 36 Months | 7.13% | 7.53% | 7.88% | 8.38% |
| 48 Months | 7.34% | 7.74% | 8.09% | 8.59% |
| 60 Months | 7.57% | 7.98% | 8.33% | 8.83% |
| 72 Months | 7.81% | 8.21% | 8.56% | 9.06% |
*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% | 8.03% | 8.53% | 8.78% |
| 24 Months | 7.10% | 7.85% | 8.35% | 8.60% |
| 36 Months | 7.04% | 7.79% | 8.29% | 8.54% |
| 48 Months | 7.05% | 7.80% | 8.30% | 8.55% |
| 60 Months | 7.07% | 7.82% | 8.33% | 8.58% |
| 72 Months | 7.46% | 8.21% | 8.71% | 8.96% |
| 84 Months | 7.55% | 8.30% | 8.80% | 9.05% |
| 120 Months | 8.04% | 8.79% | 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.