Lay the groundwork for a healthy financial future
Whether you're just starting to save or looking to strengthen your financial foundation, your Share Savings account at Accentra is the perfect starting point.
Benefits You’ll Love
- Enjoy all the Accentra perks
- Easy access to your money
- Manage your account on-the-go with online banking
- No fees or minimums to worry about
Start Your Membership with Accentra’s Share Savings Account
Open the door to a world of financial opportunities with an Accentra Credit Union Share Savings Account. Not only does this account establish your membership with us, but it also represents your share of ownership in our cooperative institution.
Why Choose Our Share Savings Account?
- Establish Your Membership: Your Share Savings Account is the key to becoming a member of Accentra Credit Union, providing you with a share of ownership in our institution.
- Low Minimum Deposit: Start with a minimum deposit of just $5.00 to open your account.
- Access to Additional Products: Enjoy access to a wide range of other financial products and services, including:
- Loans
- Checking Accounts
- IRAs
- And more
- No Fees or Service Charges: Benefit from no monthly fees or service charges, maximizing your savings.
- Free Digital Banking Services: Manage your account conveniently with our free digital banking services, including:
- Online Banking
- Mobile Banking
- eStatements
- Bill Pay and Transfers: Simplify your finances with bill pay and automatic loan payment transfers.
- Unlimited Deposits and Withdrawals: Enjoy the flexibility of unlimited deposits and withdrawals without restrictions.
- Competitive APY: Earn interest with a 0.05% APY* on your savings.
How It Works
Our Share Savings Account not only provides you with a solid foundation for your financial journey but also connects you to the full range of products and services offered by Accentra Credit Union. With no fees and convenient digital banking options, you can manage your account easily while enjoying the benefits of membership.
Ready to Open Your Account?
Join Accentra Credit Union and start your membership with a Share Savings Account today. Contact us to open your account and begin accessing our extensive range of financial services.
Imagine having your holiday shopping budget ready and waiting in your Checking account by October 1st, all thanks to your proactive saving throughout the year!
Our account lets you automate savings by setting your transfer amount and frequency, whether it's weekly, biweekly or monthly!
Take the first step towards a merrier holiday - sign up for our Christmas Club Savings Account and unwrap a stress-free holiday next season!
Your Christmas Club Savings Account features:
- No fees or service charges
- Balance deposited directly into your primary share account on or after October 1
- Automatically renews each year
- Your choice of paper or e-Statements
- Direct deposit services
- Free 24/7 access through Mobile and Online Banking
- An Annual Percentage Yield of 0.10%
*Account Limitations: No more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.
*Effective March 4, 2024. Dividends are calculated on an average daily balance, and are compounded and credited quarterly. Dividend rates and annual percentage yields (APY) may change monthly after the account is opened, based on market conditions. Withdrawals and service charges or fees may reduce earnings.
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 | 6.000% | 6.273% |
7 Year Balloon | 6.125% | 6.399% |
10 Year Balloon | 6.375% | 6.765% |
*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*** | 4.50% | 4.55% | At Maturity | $500.00 |
18 Months** | 3.03% | 3.07% | 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 | 6.000% | 6.273% |
*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 | 6.125% | 6.416% |
10 Year Fixed Rate, Up to 80% of Value | 7.125% | 7.238% |
*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 6.416% APR has an approximate monthly payment of $290.86. 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 | 6.375% | 6.765% |
15 Year Fixed | 6.250% | 6.618% |
20 Year Fixed | 6.500% | 6.796% |
30 Year Fixed | 6.750% | 6.979% |
*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.