The more you save – the more chances to WIN!
Benefits You'll Love
- Easy savings, exciting rewards
- Multiple chances to win
- Exclusive to MN credit union members
Important Notice: WINcentive Savings Account Termination
We want to inform you that Accentra Credit Union will no longer offer the WINcentive Savings Account after December 31st, 2024. This decision was made as part of our ongoing efforts to simplify our product offerings and better serve your needs. If you have a WINcentive Savings Account, please contact us at 1-800-533-0448.
At Accentra we love seeing our members make smart financial decisions, such as building up their savings! Saving money can be hard, and this account gives you a fun way to build a habit of savings with the chance to earn cash prizes!
Each time you increase your month-over-month WINcentive® Savings account balance by $25, you will get an entry into the prize drawings (up to 4 entries per month)*! Prize drawings occur monthly, quarterly and annually – so the more you save, the more chances you have to win! You could even end up winning the grand prize of $5,000!
Start Saving for Your Chance to Win! Open a WINcentive® Savings Account Today!
WINcentive® Savings Accounts are available exclusively to credit union members in Minnesota.
Learn more at http://wincentivesavings.org/.
Prize Drawings | Number of Winners | Prize Amounts | Drawing Dates |
Monthly |
50 | $100 | 10th of each month |
Quarterly | 5 | $1,000 | 10th of April, July, October and January Quarterly |
Quarterly | 1 per Credit Union | $100 | 10th of April, July, October and January Quarterly |
Special Holiday | 2 | $1,000 | December 12, 2024 |
Annual | 2 | $5,000 | January 10, 2025 |
Total in 2023* | 716 | $100,000 |
* Winning one prize category (monthly, quarterly, or annual) does not disqualify a participant from winning a different prize category within the same year. Drawings will occur on or about the 10th of each month, or the next business day, for the previous month and/or quarter end. Prize amounts and number of winners are subject to change.
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.