Experience the Freedom of the Great Outdoors
More Than Just Cars: Explore Financing Options for Your Next Big Adventure!
Benefits You’ll Love
- Pre-approval options that empower you
- Competitive rates
- Customizable terms
- Local decisioning and service
Embark on your next adventure with ease! Whether you're craving the wind in your hair on a motorcycle, tearing through rugged terrain on an ATV, hitting the open road in an RV, or feeling the rush of the waves on a jet ski or boat, we've got you covered.
Why Choose Accentra Adventure Loans?
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Flexible Financing: We offer competitive rates and flexible terms tailored to fit your budget, making it easier than ever to finance your next adventure vehicle.
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Quick Approval Process: With our streamlined application process, you can get approved for your adventure loan quickly, so you can spend less time waiting and more time hitting the road or water.
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Expert Guidance: Our experienced loan specialists are here to guide you through every step of the process, ensuring you have all the information you need to make informed decisions.
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Local Service: As your local credit union, we're committed to providing personalized service and support to our members throughout the entire loan process and beyond.
Our Auto Loans and Adventure Loans are designed to make your dreams a reality. Whether you're a seasoned explorer or a first-time adventurer, we're here to support you every step of the way.
Ready to set sail, hit the trails, or rev up your engines? Explore our Adventure Loans today and let your next great adventure begin with Accentra Credit Union.
Boat Loans
Set sail on new horizons with a boat loan from Accentra Credit Union. Whether you're a fishing enthusiast, a watersports lover, or simply enjoy cruising on the water, our competitive loan rates and terms make it easy to finance the boat of your dreams.
RV Loans
Experience the freedom of the open road with an RV loan from Accentra Credit Union. From motorhomes to travel trailers, our flexible financing options help you embark on unforgettable adventures with confidence.
Camper Loans
Take your adventures on the road with a camper loan from Accentra Credit Union. Whether you prefer a cozy camper van or a spacious RV, we've got the financing solutions to help you explore the great outdoors in comfort and style.
ATV Loans
Blaze your own trails with an all-terrain vehicle (ATV) financed through Accentra Credit Union. Explore the great outdoors with confidence knowing you've got a loan tailored to your needs and budget.
Snowmobile Loans
Embrace winter adventures with a snowmobile loan from Accentra Credit Union. Conquer snowy landscapes and enjoy the thrill of the ride with financing that fits your lifestyle.
Motorcycle Loans
Hit the open road with ease by financing your dream motorcycle through Accentra Credit Union. Whether you're a seasoned rider or a beginner, our flexible loan options make it simple to get the bike you've always wanted.
Jetski Loans
Feel the wind in your hair and the spray of the waves with a jetski loan from Accentra Credit Union. Dive into excitement on the water with flexible financing options designed to make your dreams a reality.
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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 | 5.125% | 5.392% |
| 7 Year Balloon | 5.250% | 5.518% |
| 10 Year Balloon | 5.500% | 5.883% |
*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 | 7.62% | 8.87% | 9.37% | 9.87% |
| 24 Months | 7.44% | 8.69% | 9.19% | 9.69% |
| 36 Months | 7.38% | 8.63% | 9.13% | 9.63% |
| 48 Months | 7.34% | 8.59% | 9.10% | 9.60% |
| 60 Months | 7.47% | 8.73% | 9.23% | 9.73% |
| 72 Months | 7.56% | 8.81% | 9.31% | 9.81% |
| 84 Months | 8.05% | 9.30% | 9.80% | 10.30% |
| 120 Months | 8.24% | 9.49% | 9.99% | 10.49% |
| 144 Months | 8.43% | 9.68% | 10.18% | 10.68% |
| 180 Months | 8.52% | 9.78% | 10.28% | 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 7.47% APR* has an approximate monthly payment of $500.64.
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 | 6.67% | 7.92% | 8.42% | 8.92% |
| 24 Months | 6.49% | 7.74% | 8.24% | 8.74% |
| 36 Months | 6.42% | 7.68% | 8.18% | 8.68% |
| 48 Months | 6.49% | 7.74% | 8.24% | 8.74% |
| 60 Months | 6.67% | 7.93% | 8.43% | 8.93% |
| 72 Months | 6.71% | 7.96% | 8.46% | 8.96% |
* 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 6.67% APR* has an approximate monthly payment of $491.19.
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*** | 5.00% | 5.06% | At Maturity | $500.00 |
| 18 Months** | 3.90% | 3.97% | 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 | 5.125% | 5.392% |
*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 | 3.900% |
| Rate after 6 months | 8.500% |
*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 8.50% 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 | 5.250% | 5.538% |
| 10 Year Fixed Rate, Up to 80% of Value | 6.250% | 6.405% |
*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 5.538% APR has an approximate monthly payment of $284.79. 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 | 5.500% | 5.883% |
| 15 Year Fixed | 6.000% | 6.365% |
| 20 Year Fixed | 5.750% | 6.038% |
| 30 Year Fixed | 6.490% | 6.725% |
*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 | 7.87% | 8.87% | 9.12% | 9.62% |
| 24 Months | 7.69% | 8.69% | 8.94% | 9.44% |
| 36 Months | 7.63% | 8.63% | 8.88% | 9.38% |
| 48 Months | 7.79% | 8.80% | 9.05% | 9.55% |
| 60 Months | 7.88% | 8.88% | 9.13% | 9.63% |
| 72 Months | 8.06% | 9.06% | 9.31% | 9.81% |
*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 7.88% APR* has an approximate monthly payment of $505.41.
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 | 7.87% | 9.12% | 9.62% | 10.12% |
| 24 Months | 7.69% | 8.94% | 9.44% | 9.94% |
| 36 Months | 7.63% | 8.88% | 9.38% | 9.88% |
| 48 Months | 7.59% | 8.85% | 9.35% | 9.85% |
| 60 Months | 7.73% | 8.99% | 9.49% | 9.99% |
| 72 Months | 7.81% | 9.06% | 9.56% | 10.06% |
| 84 Months | 8.05% | 9.30% | 9.80% | 10.30% |
| 120 Months | 8.54% | 9.79% | 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 7.73% APR* has an approximate monthly payment of $503.74.
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.