When Accentra teams up with Visa®, you get all the benefits.
Swipe, spend, and build credit with added protection and a great rate that makes it an easy choice.
Benefits You’ll Love
- Competitive, low rates
- No annual fees
- No balance transfer fees
- 25-day grace period
Experience the Benefits of an Accentra VISA® Credit Card
Discover the power of flexible and affordable financing with an Accentra Credit Union VISA® Credit Card. Designed to offer you exceptional value and convenience, our VISA® card provides a range of features to enhance your financial freedom.
Why Choose an Accentra VISA® Credit Card?
- Competitive Rates: Enjoy rates as low as 8.9% APR* for cost-effective borrowing.
- Generous Credit Limits: Your credit limit is based on your creditworthiness, giving you access to the funds you need.
- 25-Day Grace Period: Benefit from a 25-day grace period on purchases, allowing you time to avoid interest charges if the balance is paid in full.
- uChoose Rewards®: Earn rewards on your everyday purchases with our uChoose Rewards® program.
- No Cash Advance Fees: Access cash when you need it without worrying about additional fees.
- No Balance Transfer Fees: Transfer balances from other cards without incurring transfer fees.
- Fixed Rate: Enjoy the stability of a fixed rate that remains the same regardless of how you use your card.
- 24-Hour Account Servicing: Manage your account anytime, anywhere with 24-hour access to account servicing.
- Travel Protection Package: Benefit from comprehensive travel protection with your VISA® card.
How It Works
With an Accentra VISA® Credit Card, you get a blend of low rates, rewarding benefits, and flexible features. Our fixed rate ensures predictable payments, while our rewards program and travel protection add extra value to your card.
Get Started
Unlock the benefits of a VISA® Credit Card from Accentra Credit Union. For more details or to apply, call us at 888-776-8615. Experience financial freedom with the convenience and perks of our VISA® Credit Card.
*Rate stated is for a credit score of 680 and above. On approved credit. Not all will qualify for the lowest rate.
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 | 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** | 3.43% | 3.48% | 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 | 3.900% |
| Rate after 6 months | 8.000% |
*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 8.00% 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 | 5.750% | 6.135% |
| 15 Year Fixed | 6.000% | 6.365% |
| 20 Year Fixed | 6.000% | 6.291% |
| 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.