Tap into funding right inside your front door with an Accentra Home Equity Loan.
Your home equity could be the key to the cash you need.
Benefits You’ll Love
- Fixed-rate and line of credit choices
- Quick, local processing
- Friendly, knowledgeable servicing
- Perfect for short- or long-term needs
Turn Your Home’s Equity into Opportunity
Fixed-Rate Home Equity Loans
For a Limited Time: Get up to $250 off Closing Costs*
A Fixed Home Equity Loan lets you borrow against the value you’ve built in your home and receive the funds as a one-time lump sum. It’s a simple, structured option with a fixed rate and predictable monthly payments, making it easier to plan and budget.
At Accentra Credit Union, we make it easy to use your home’s equity to reach your goals — with competitive rates and terms designed to fit your life.
What is a Fixed Home Equity Loan?
Think of it as a second loan backed by your home’s equity. You receive all your funds upfront and repay it over time with a fixed interest rate, so your payment never changes.
- One-time lump sum
- Fixed rate for the life of the loan
- Consistent monthly payments
- Set repayment timeline
When Does a Fixed Home Equity Loan Make Sense?
This option works best when you know exactly how much you need and want stability in your payments.
Use it for:
- Home improvement projects
- Debt consolidation
- Education expenses
- Major purchases or life events
- And more
Why Choose a Fixed Home Equity Loan?
- Predictable Payments
Your rate and monthly payment stay the same, making it easy to budget. - Competitive Rates
Take advantage of lower rates compared to many unsecured loan options. - Use Your Equity Without Selling
Access the value in your home while continuing to live in it. - Flexible Options
Available for owner-occupied homes and vacation properties.
How a Fixed Home Equity Loan Works
As you’ve built equity in your home over time, you can borrow against that value. Once approved, you’ll receive your funds upfront and begin repayment with fixed monthly payments over your chosen term.
Ready to Get Started?
Use the equity you’ve built to move forward with confidence. Our team is here to help you find the right solution and guide you every step of the way.
Flexible Access to Your Home’s Equity
Home Equity Line of Credit (HELOC)
Special Into Rate: 1.99% APR* for 6 Months
A HELOC gives you the ability to borrow against your home’s equity with flexibility and control. Instead of receiving one lump sum, you’re approved for a line of credit you can use as needed — when you need it.
At Accentra Credit Union, our HELOC makes it easy to access funds for both planned projects and unexpected expenses, all with competitive rates and convenient access.
What is a HELOC?
A Home Equity Line of Credit works similar to a credit card — you’re given a set credit limit, and you can borrow, repay, and borrow again during the draw period.
- Borrow only what you need
- Access funds over time
- Pay interest only on what you use
- Reuse funds as you repay
When Does a HELOC Make Sense?
A HELOC is a great option when you need flexibility or aren’t sure exactly how much you’ll need upfront.
Use it for:
- Ongoing home improvement projects
- Unexpected expenses or emergencies
- Education costs over time
- Debt consolidation with flexibility
- And more
Why Choose a HELOC?
- Flexible Access to Funds
Use your line of credit whenever you need it — no need to reapply. - Revolving Credit
As you repay your balance, your available credit replenishes. - Competitive Rates
A cost-effective way to borrow compared to many other financing options. - Use Your Equity Without Selling
Tap into your home’s value while continuing to live in it. - Flexible Property Options
Available for owner-occupied homes and vacation properties.
How a HELOC Works
Once approved, you’ll have access to a set credit line based on your home’s equity. You can draw from it as needed, repay what you use, and continue accessing funds throughout the draw period.
Ready to Get Started?
Get the flexibility you need with a HELOC from Accentra Credit Union. Our team is here to help you find the right solution for your goals.
Understanding a HELOC: Draw Period vs. Repayment Period
A HELOC works in two phases — the draw period and the repayment period.
Draw Period
This is the time when you can access and use your line of credit.
- Borrow funds as needed
- Make payments (often interest-only, depending on terms)
- Available credit replenishes as you repay
Think of this as your “flexible spending phase.”
Repayment Period
After the draw period ends, you’ll enter the repayment phase.
- No longer able to borrow additional funds
- Begin repaying both principal and interest
- Fixed monthly payments based on your remaining balance
This is your “pay it back” phase.
Why It Matters
Understanding these two phases helps you plan ahead — especially knowing when your payments may change and when access to funds ends.
Feature |
HELOC (Home Equity Line of Credit) |
Fixed Home Equity Loan |
| How you Recieve Funds | Draw funds as needed | One lump sum up front |
| Interest Rate | Variable rate | Fixed rate |
| Monthly Payments | Vary based on balance used | Fixed, predicatable payments |
| Flexibility | High - borrow as you go | Lower - set amount |
| Best for | Ongoing or multiple projects | One-time, defined expenses |
| Access to Funds | Reusable during draw period | One-time dispursement |
| Budgeting | Less predictable | Easy to plan and budget |
Which Option is Right for You?
- Choose a HELOC if you want flexibility and access to funds over time
- Choose a Fixed Home Equity Loan if you prefer stable payments and a set payoff plan
Not sure? We’re here to help you decide what fits your goals.
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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 | 5.000% | 5.266% |
| 7 Year Balloon | 5.125% |
5.395% |
| 10 Year Balloon | 5.375% | 5.757% |
*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 | 6.63% | 7.38% | 7.88% | 8.13% |
| 24 Months | 6.45% | 7.20% | 7.70% | 7.95% |
| 36 Months | 6.38% | 7.14% | 7.64% | 7.89% |
| 48 Months | 6.35% | 7.10% | 7.60% | 7.85% |
| 60 Months | 6.43% | 7.18% | 7.68% | 7.94% |
| 72 Months | 6.56% | 7.31% | 7.81% | 8.06% |
| 84 Months | 6.71% | 7.46% | 7.96% | 8.21% |
| 120 Months | 7.30% | 8.05% | 8.55% | 8.80% |
| 144 Months | 7.29% | 8.04% | 8.54% | 8.79% |
| 180 Months | 7.77% | 8.52% | 9.02% | 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 6.43% APR* has an approximate monthly payment of $488.37.
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 | 5.11% | 5.36% | 5.86% | 6.62% |
| 24 Months | 4.94% | 5.19% | 5.69% | 6.44% |
| 36 Months | 4.87% | 5.12% | 5.62% | 6.37% |
| 48 Months | 4.94% | 5.19% | 5.69% | 6.44% |
| 60 Months | 5.07% | 5.32% | 5.82% | 6.57% |
| 72 Months | 5.06% | 5.31% | 5.81% | 6.56% |
| 84 Months | 5.20% | 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 5.07% APR* has an approximate monthly payment of $472.61.
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** | 2.48% | 2.50% | 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 | 5.000% | 5.266% |
*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 | 1.99% |
| 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 | 5.125% | 5.413% |
| 10 Year Fixed Rate, Up to 80% of Value | 6.125% | 6.280% |
*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 5.413% APR has an approximate monthly payment of $283.93. Other terms and amounts are available.
Home Improvement Loans
| Loan Amount | APR* as low as |
|---|---|
| Up to $10,000 | 5.75% |
*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% | 5.757% |
| 15 Year Fixed | 5.625% | 5.986% |
| 20 Year Fixed | 5.750% | 6.038% |
| 30 Year Fixed | 6.125% | 6.345% |
*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 | 7.02% | 7.42% | 7.77% | 8.27% |
| 24 Months | 6.84% | 7.24% | 7.59% | 8.09% |
| 36 Months | 6.88% | 7.28% | 7.63% | 8.13% |
| 48 Months | 7.09% | 7.49% | 7.84% | 8.34% |
| 60 Months | 7.32% | 7.72% | 8.08% | 8.58% |
| 72 Months | 7.56% | 7.96% | 8.31% | 8.81% |
*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 7.32% APR* has an approximate monthly payment of $498.86.
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 | 7.03% | 7.78% | 8.28% | 8.53% |
| 24 Months | 6.85% | 7.60% | 8.10% | 8.35% |
| 36 Months | 6.79% | 7.54% | 8.04% | 8.29% |
| 48 Months | 6.80% | 7.55% | 8.05% | 8.30% |
| 60 Months | 6.82% | 7.57% | 8.08% | 8.33% |
| 72 Months | 7.21% | 7.96% | 8.46% | 8.71% |
| 84 Months | 7.30% | 8.05% | 8.55% | 8.80% |
| 120 Months | 7.79% | 8.54% | 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 6.82% APR* has an approximate monthly payment of $492.95.
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.