High-Yield Certificate Accounts (CDs) in Minnesota
Earn guaranteed returns with fixed-rate certificate accounts designed to grow your savings safely over time.
Benefits of Opening a Certificate with Accentra
- Lock in guaranteed high APY returns with fixed-rate certificates
- Choose flexible terms from 3 to 60 months to match your goals
- Grow your savings safely with NCUA-insured protection
- Start with a low minimum deposit of just $10
- Enjoy predictable earnings with zero market risk
What Is a Certificate Account (CD)?
A certificate account (also known as a CD) is a secure savings option that allows you to earn a fixed interest rate over a set period of time. Unlike traditional savings accounts, certificates offer higher returns in exchange for keeping your funds deposited until maturity.
How Certificates Help You Grow Your Savings
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.
Who Should Open a Certificate Account?
Certificates are ideal for members who want predictable growth without risk. By locking in your rate, you can avoid market fluctuations while steadily increasing your savings over time.
- Members saving for future expenses
- Individuals with lump sum deposits
- Risk-averse savers
- Anyone comparing CD rates in Minnesota
Why Choose Accentra Certificates?
- Higher Returns: Earn fixed rates typically higher than standard savings accounts
- Guaranteed Growth: Lock in your rate and avoid market volatility
- Flexible Terms: Choose from 3 to 60-month certificate options
- No Hidden Fees: No monthly maintenance or setup fees
- Automatic Renewal Options: Easily reinvest your savings at maturity
- Federally Insured: Deposits protected by the NCUA
- Low Minimum Deposit: Start your Certificate with as little as $10.
See our Special 6-Month Certificate Special!
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!
Certificate (CD) Calculator: Estimate Your Savings Growth
Use our certificate calculator to estimate how much your savings can grow over time. By adjusting your deposit amount, term length, and interest rate, you can see how a certificate account helps you earn predictable, guaranteed returns.
Certificate accounts (also known as CDs) typically offer higher interest rates than traditional savings accounts, making them a smart option for members looking to maximize their savings safely.
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How to Use the Certificate Calculator
- Enter your initial deposit amount
- Select your certificate term length
- Input the current dividend rate (APY)
- Adjust compounding frequency
- View your estimated total earnings at maturity
Certificate Rates in Minnesota (CD Rates)
Explore our competitive certificate (CD) rates designed to help you grow your savings with guaranteed returns. Accentra Credit Union offers a variety of term lengths and rates to match your financial goals, whether you're saving short-term or planning for the future.
Our certificate rates are among the most competitive in Minnesota, giving you the opportunity to earn more on your deposits compared to traditional savings accounts.
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How Certificate Rates Work
Certificate rates are fixed for the term you choose, meaning your earnings are predictable and protected from market changes. Longer-term certificates often offer higher rates, allowing you to maximize your return over time.
How to Choose the Right Certificate Term
- Short-term (3–12 months): More flexibility
- Mid-term (12–36 months): Balanced growth
- Long-term (48–60 months): Maximum earning potential
Why Certificate Rates Matter for Your Savings
Choosing the right certificate rate can significantly impact how quickly your savings grow. Even small differences in APY can lead to meaningful increases in your total earnings over time. That’s why comparing certificate rates and selecting the right term is essential for maximizing your return.
Are Certificate Accounts Safe?
Yes. Certificate accounts at Accentra Credit Union are federally insured by the NCUA, protecting your deposits up to allowable limits. This makes certificates one of the safest ways to grow your money while earning a guaranteed return.
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 | 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** | 2.51% | 2.53% | 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 | 3.90% |
| 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 | 5.250% | 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 | 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 | 5.500% | 5.883% |
| 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 | 7.02% | 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.