Keep your finances within reach.

Stay connected to and on top of your Accentra accounts wherever you are with our mobile app.

Benefits You’ll Love

  • Manage multiple accounts from nearly anywhere
  • View statements, transactions, and more
  • Schedule one-time or recurring bill pay
  • Securely deposit checks

*In most cases the funds will be made available immediately after the check is reviewed, however we do reserve the right to place a hold on some or all of the funds, depending on the type of check and the amount. If the check is deposited by 3:00 P.M., it will be reviewed the same day unless it is a Saturday, Sunday, or bank holiday, in which case it will be reviewed the next business day. Checks deposited after 3:00 P.M. will be reviewed the next business day. You will receive an email notice once your deposit is posted to your account. Deposits can be made to savings and checking accounts.

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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2. Loan Details
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3. Lease Details
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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 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*** 5.15% 5.21% 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** 3.99% 4.06% 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 8.500%

*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 8.50% 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% 7.283%

*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 6.500% 6.871%
20 Year Fixed 6.375% 6.670%
30 Year Fixed 6.875% 7.105%

*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.