Build Your Savings with a Community-Focused Account
Your Share Savings account is the foundation of membership at Accentra Credit Union. It’s more than just a way to save — it’s your entry into a cooperative that’s rooted in local service and community values across Austin, Albert Lea, Kasson, and beyond.
Start building your financial foundation with an account designed to help you reach your goals.
Benefits You’ll Love with a Share Savings Account
- Earn dividends on your savings
- Low minimum balance to open
- Easy transfers between accounts
- Secure online and mobile access
- Federally insured deposits
Plan Ahead with a Christmas Club Savings Account
Saving for the holidays doesn’t have to be stressful. A Christmas Club Savings Account from Accentra Credit Union helps you set aside money throughout the year so you're fully prepared for holiday expenses. With automatic transfers and funds available by October 1, you can enjoy a more organized, stress-free holiday season.
Start saving for the holidays today!
Open a Christmas Club Savings Account
Christmas Club Savings Account Benefits:
- No Monthly Fees or Hidden Charges – Keep more of your holiday savings
- Automatic Savings Transfers – Set weekly, biweekly, or monthly contributions
- Funds Available by October 1 – Just in time for holiday shopping
- Yearly Renewal for Consistent Saving Habits
- Convenient Online & Mobile Banking Access – Manage your savings anytime
- Direct Deposit Options for Easy Contributions
- Earn Competitive Dividends (0.10% APY)
How a Christmas Club Savings Account Works
Set up automatic transfers from your checking account and build your holiday savings throughout the year. Choose your contribution frequency and amount, and your funds will be deposited into your primary account by October 1—just in time for seasonal expenses.
Who Should Use a Holiday Savings Account?
A Christmas Club Savings Account is ideal for:
- Families planning ahead for holiday shopping
- Anyone looking to avoid credit card debt during the holidays
- Members who prefer automated savings solutions
Why Choose Accentra Credit Union for Holiday Savings?
Accentra Credit Union offers flexible savings options, local service, and digital banking tools that make it easy to stay on track. Whether you're saving for gifts, travel, or seasonal expenses, our Christmas Club account helps you build smarter financial habits year-round.
*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.
Savings Calculator: Estimate Your Future Savings Growth
Estimate how your savings can grow over time with our easy-to-use savings calculator. Adjust your starting balance, monthly contributions, and interest rate to see how compound interest helps your money grow year after year.
How Much Should You Save Each Month?
The amount you should save depends on your financial goals, income, and timeline. Whether you're building an emergency fund, saving for a large purchase, or planning for long-term financial security, this calculator helps you find a monthly contribution that works for you.
*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 | 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.