Pay Securely with a Mobile Wallet
A mobile wallet gives you a convenient way to pay without swiping your physical card.
With secure digital wallet technology and tokenization, you can shop more confidently while keeping your card information better protected.
Benefits of Using a Mobile Wallet
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Make contactless payments quickly with your phone or compatible device
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Protect your debit card information with tokenized payment technology
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Use Apple Pay, Google Pay, or Samsung Pay at participating merchants
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Enjoy a free, convenient payment option for everyday purchases
Use Your Debit Card with Apple Pay, Google Pay, and Samsung Pay
Your Accentra debit card can be added to a supported mobile wallet so you can make secure contactless payments wherever eligible digital wallet payments are accepted. Whether you are shopping in-store, checking out online, or paying in an app, a mobile wallet can help you complete purchases faster without needing to carry your physical card.
With a mobile wallet, you can:
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Pay quickly with your phone or other compatible device
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Reduce the need to carry cash or multiple cards
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Add eligible cards for added convenience
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Keep card details more secure through tokenization
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Feel more confident if your device is lost, since your full card number is not shared with merchants
With mobile wallet technology, your actual card number is never shared with retailers. Instead, a secure digital token is used to process your payment, helping reduce the risk of fraud and protecting your financial information.
What is tokenization?
Visa recently launched a new security technology called Visa Token Service (VTS) that replaces sensitive account information, like your account number, with a unique algorithmically generated number called a token. Your actual bank account number is held safe throughout the entire transaction in a secure "token vault". The token allows payments to be processed without exposing any actual account details, thus reducing the risk of credit card fraud.
Tokenization has recently taken off due to the increased usage of e-commerce and mobile payments including Apple Pay, Samsung Pay, and Google Pay, which are being used at hundreds of thousands of retails stores, and online.
Similarly to the new chips in cards, the entire point of tokenization is to prevent your bank information from getting into the wrong hands. Chip cards do a good job when being used in physical stores but do not protect your information online or through mobile payments – this is where tokenization comes in.
How Tokenization Protects Your Mobile Wallet Payments
Tokenization helps protect your debit card information whenever you use a mobile wallet for purchases. Instead of sharing your real card number with a retailer during a transaction, your mobile wallet generates a unique digital token that represents your card.
This token is used to process the payment while your actual card number remains securely stored by your financial institution. Because the real card information is never transmitted to the merchant, tokenization helps reduce the risk of fraud or data exposure during online, in-app, and contactless payments.
Tokenization is commonly used in several types of transactions, including:
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Mobile wallet payments like Apple Pay®, Google Pay®, and Samsung Pay®
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Recurring subscription payments where a card is stored on file
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One-click checkout purchases on e-commerce websites
For example, when you add your debit card to Apple Pay®, your card details are verified by your issuing bank and replaced with a secure token. That token is stored on your device and used for future purchases. Even if your phone is lost or stolen, your actual debit card number cannot be accessed.
For more information, stop by any of our Accentra Credit Union branches.
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 | 5.125% | 5.392% |
| 7 Year Balloon | 5.250% |
5.518% |
| 10 Year Balloon | 5.500% | 5.883% |
*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 | 6.88% | 7.63% | 8.13% | 8.38% |
| 24 Months | 6.70% | 7.45% | 7.95% | 8.20% |
| 36 Months | 6.64% | 7.39% | 7.89% | 8.14% |
| 48 Months | 6.60% | 7.35% | 7.85% | 8.10% |
| 60 Months | 6.68% | 7.43% | 7.94% | 8.19% |
| 72 Months | 6.82% | 7.57% | 8.07% | 8.32% |
| 84 Months | 6.96% | 7.71% | 8.21% | 8.46% |
| 120 Months | 7.55% | 8.30% | 8.80% | 9.05% |
| 144 Months | 7.54% | 8.29% | 8.79% | 9.04% |
| 180 Months | 8.02% | 8.77% | 9.27% | 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 6.68% APR* has an approximate monthly payment of $491.31.
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 | 5.36% | 5.61% | 6.11% | 6.87% |
| 24 Months | 5.19% | 5.44% | 5.94% | 6.69% |
| 36 Months | 5.12% | 5.37% | 5.87% | 6.63% |
| 48 Months | 5.20% | 5.45% | 5.95% | 6.70% |
| 60 Months | 5.33% | 5.58% | 6.08% | 6.83% |
| 72 Months | 5.32% | 5.57% | 6.07% | 6.82% |
| 84 Months | 5.45% | 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 5.33% APR* has an approximate monthly payment of $475.00.
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** | 2.51% | 2.53% | 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 | 5.125% | 5.392% |
*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 | 3.90% |
| 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 | 5.250% | 5.538% |
| 10 Year Fixed Rate, Up to 80% of Value | 6.250% | 6.405% |
*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 5.538% APR has an approximate monthly payment of $284.79. 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 | 5.500% | 5.883% |
| 15 Year Fixed | 5.625% | 5.986% |
| 20 Year Fixed | 5.750% | 6.038% |
| 30 Year Fixed | 6.000% | 6.218% |
*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 | 7.27% | 7.67% | 8.02% | 8.52% |
| 24 Months | 7.09% | 7.49% | 7.84% | 8.34% |
| 36 Months | 7.13% | 7.53% | 7.88% | 8.38% |
| 48 Months | 7.34% | 7.74% | 8.09% | 8.59% |
| 60 Months | 7.57% | 7.98% | 8.33% | 8.83% |
| 72 Months | 7.81% | 8.21% | 8.56% | 9.06% |
*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 7.57% APR* has an approximate monthly payment of $501.83.
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 | 7.28% | 8.03% | 8.53% | 8.78% |
| 24 Months | 7.10% | 7.85% | 8.35% | 8.60% |
| 36 Months | 7.04% | 7.79% | 8.29% | 8.54% |
| 48 Months | 7.05% | 7.80% | 8.30% | 8.55% |
| 60 Months | 7.07% | 7.82% | 8.33% | 8.58% |
| 72 Months | 7.46% | 8.21% | 8.71% | 8.96% |
| 84 Months | 7.55% | 8.30% | 8.80% | 9.05% |
| 120 Months | 8.04% | 8.79% | 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 7.07% APR* has an approximate monthly payment of $495.90.
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.