Secure Online Banking for Everyday Money Management
Access your accounts anytime with Accentra Credit Union’s secure online banking platform. Members can check balances, transfer money between accounts, pay bills online, and manage finances from any computer or mobile device.
Benefits of Online Banking
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Access online banking 24/7 from any device
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Check account balances and monitor transactions in real time
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View eStatements and account activity securely online
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Schedule one-time and recurring bill payments with ease
What Can You Do With Online Banking?
Accentra’s online banking platform gives members the ability to manage their finances securely from anywhere with internet access. From everyday transactions to account monitoring, digital banking tools make managing your money easier than ever.
With online banking, you can:
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View balances and account activity anytime
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Transfer money between accounts
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Pay bills securely online with Bill Pay
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Set account alerts and notifications to stay informed
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Access statements and payment history
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Access your account 24/7 from any device at accentracu.org
Need help logging in or setting up Bill Pay? Visit a branch or call us at 800-533-0448.
Upgraded Online Bill Pay with Accentra Credit Union
Get ready for a new and improved way to manage your bills—all in one place. Enjoy a more modern, flexible Bill Pay experience designed to save you time and give you greater control.
What is Online Bill Pay?
What is Bill Pay?
Online Bill Pay is a free, secure service that lets you pay bills, companies, and individuals directly from your Accentra account anytime.
Who can I pay?
Just about anyone with a U.S. mailing address—utilities, loan companies, landlords, babysitters, and more.
How Online Bill Pay Works
How are payments delivered?
Payments may be sent electronically via ACH or virtual card, or by paper check through the U.S. Postal Service—whichever is fastest and most secure for your payee.
Is it secure?
Yes! Paying bills online helps protect your information and reduces the risk of lost or stolen checks. Only you can access your account and payment details.
How long does it take?
Most payments arrive in 2–7 days, depending on whether they’re sent electronically or by mail.
Benefits of Paying Bills Online
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Pay all your bills from one convenient location
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Schedule automatic or recurring bill payments
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Avoid late fees with reminders and scheduled payments
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Track your payment history digitally
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Reduce paper checks, stamps, and envelopes
Get Paid Early with Accentra Early Pay
Need access to your paycheck sooner? Early Pay allows eligible direct deposits to be available before the scheduled payday—for just $2 per transaction.
As soon as we receive incoming deposit files from your employer, government agency, or payroll provider, we post them as pending transactions. This can happen the same day, a day early, or even up to a week in advance.
If you see a pending deposit on your account, you can choose to receive it early using our secure online or mobile banking platform.
How Early Pay Works
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Open the menu
• Mobile app: Tap the 3-dot icon (bottom right)
• Online banking: Click the 3-line icon next to Accounts (top left) -
Go to Accounts → Pledges, Holds, Pending ACH
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Look for Pending ACH Items
If an eligible deposit appears, you'll see the ACH Early Pay option -
Select ACH Early Pay
A prompt will appear:
“Paying early will charge your account a fee. Are you sure you wish to continue? Current Fee: $2.00” -
Hit Submit or Confirm
That’s it! Your funds will be posted right away.
Benefits of Early Pay
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Access eligible direct deposits sooner
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Improve cash flow before payday
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Simple to activate within online or mobile banking
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Secure processing through your Accentra account
Early Pay is just one of the many new features available in our upgraded digital banking experience. Have questions? We’re happy to help—just call or stop by a branch!
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% |
5.392% |
| 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 | 6.88% | 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 | 5.000% | 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 | 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 | 5.125% | 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 | 5.500% | 5.860% |
| 20 Year Fixed | 5.750% | 6.038% |
| 30 Year Fixed | 5.990% | 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.