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Benefits You’ll Love

  • Grow and expand your capital
  • Start preparing for future retirement
  • Build funds for your children’s education
  • Get support to reach your goals

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Accentra Credit Union (ACU) and Accentra Investment Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Accentra Investment Services, and may also be employees of ACU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of ACU or Accentra Investment Services.

Important Consumer Information:

This site is for informational purposes only and is not intended to be a solicitation or offering of any security and:

  1. Representatives of a broker-dealer ("BD") or investment advisor ("IA") may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, the state; or (b) are excluded or exempted from the state's licensure requirements.
  2. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation.

Securities and insurance offered through LPL or its affiliates are:

  • Not NCUA Insured
  • No Credit Union Guarantee
  • May Lose Value
  • Not a Deposit
Buy vs. Lease CalculatorDisclaimer

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.

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CD CalculatorDisclaimer

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.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • Total interest paid $0

Balloon Loans

Term Rates as low as* APR**
5 Year Balloon 6.000% 6.273%
7 Year Balloon 6.125% 6.399%
10 Year Balloon 6.375% 6.765%

 

Balloon Loan repayment terms and an amortization schedule.

Boats, RVs, Campers

Term Rates 0 - 2 years 3 - 5 years 6 - 10 years 10+ years
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

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. 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

Cars, Trucks, and Vans

Term Rates 0 - 2 years 3 - 5 years 6 - 10 years 10+ years
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%

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. 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
12 Months 0.30% 0.30% Quarterly $500.00
12 Months Special 0.50% 0.50% Quarterly $2,500.00
18 Months** 3.92% 3.99% 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 CD 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

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.

Construction Loans

Term Rates as low as* APR**
Up to 1 Year 6.000% 6.273%

During the construction phase, payments are interest only based on the loan amount advanced. 

Home Equity - Line of Credit

Term Rates as low as*
Introductory Rate for 6 months 3.900%
Rate after 6 months 8.500%

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 8.50% APR has an approximate monthly payment of $300. Other terms and amounts are available.

Home Equity Loans

Term Rates as low as* APR**
5 Year Fixed Rate, Up to 80% of Value 6.125% 6.416%
10 Year Fixed Rate, Up to 80% of Value 7.125% 7.283%

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 as low as*
Up to $10,000 6.00%

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. 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 as low as* APR**
10 Year Fixed 6.375% 6.765%
15 Year Fixed 6.500% 6.871%
20 Year Fixed 6.500% 6.796%
30 Year Fixed 6.875% 7.105%

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

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.

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

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.

Motorcycles, ATVs, Snowmobiles, and Jetskis

Term Rates 0 - 2 years 3 - 4 years 5 - 7 years 8+ years
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%

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. 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

Term Rates 0 - 2 years 3 - 4 years 5 - 7 years 8+ years
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

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. 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

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.