Share Savings Account | Accentra CU | Austin, Albert Lea, Kasson (2024)

Lay the groundwork for a healthy financial future

Whether you're just starting to save or looking to strengthen your financial foundation, your Share Savings account at Accentra is the perfect starting point.

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Benefits You’ll Love

Enjoy all the Accentra perks
Easy access to your money
Manage your account on-the-go with online banking
No fees or minimums to worry about

Start Your Membership with Accentra’s Share Savings Account

Open the door to a world of financial opportunities with an Accentra Credit Union Share Savings Account. Not only does this account establish your membership with us, but it also represents your share of ownership in our cooperative institution.

Why Choose Our Share Savings Account?

Establish Your Membership: Your Share Savings Account is the key to becoming a member of Accentra Credit Union, providing you with a share of ownership in our institution.
Low Minimum Deposit: Start with a minimum deposit of just $5.00 to open your account.
Access to Additional Products: Enjoy access to a wide range of other financial products and services, including:
- Loans
- Checking Accounts
- IRAs
- And more
No Fees or Service Charges: Benefit from no monthly fees or service charges, maximizing your savings.
Free Digital Banking Services: Manage your account conveniently with our free digital banking services, including:
- Online Banking
- Mobile Banking
- eStatements
Bill Pay and Transfers: Simplify your finances with bill pay and automatic loan payment transfers.
Unlimited Deposits and Withdrawals: Enjoy the flexibility of unlimited deposits and withdrawals without restrictions.
Competitive APY: Earn interest with a 0.05% APY* on your savings.

How It Works

Our Share Savings Account not only provides you with a solid foundation for your financial journey but also connects you to the full range of products and services offered by Accentra Credit Union. With no fees and convenient digital banking options, you can manage your account easily while enjoying the benefits of membership.

Ready to Open Your Account?

Join Accentra Credit Union and start your membership with a Share Savings Account today. Contact us to open your account and begin accessing our extensive range of financial services.

Imagine having your holiday shopping budget ready and waiting in your Checking account by October 1st, all thanks to your proactive saving throughout the year!

Our account lets you automate savings by setting your transfer amount and frequency, whether it's weekly, biweekly or monthly!

Take the first step towards a merrier holiday - sign up for ourChristmas Club Savings Accountand unwrap astress-free holidaynext season!

Your Christmas Club Savings Account features:

No fees or service charges

Balance deposited directly into your primary share account on or after October 1

Automatically renews each year

Your choice of paper or e-Statements

Direct deposit services

Free 24/7 access through Mobile and Online Banking

An Annual Percentage Yield of 0.10%

*Account Limitations: No more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.

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Questions?

*Effective March 4, 2024. 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.

Do you currently have an account with Accentra Credit Union?

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Balloon Loans

Term Rates	Rate	APR* _{as low as}
5 Year Balloon	5.625%	5.895%
7 Year Balloon	5.750%	6.021%
10 Year Balloon	6.000%	6.387%

*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
18 Months**	4.11%	4.18%	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	5.625%	5.895%

*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	5.750%	6.040%
10 Year Fixed Rate, Up to 80% of Value	6.750%	6.907%

*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 6.040% APR has an approximate monthly payment of $288.25. 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	6.000%	6.387%
15 Year Fixed	6.000%	6.365%
20 Year Fixed	5.750%	6.038%
30 Year Fixed	6.490%	6.725%

*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

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

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

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

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