Accentra Credit Union

Austin, Minnesota
Last verified: August 4, 2026
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Verified rate book

Current Accentra Credit Union rates

113 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

16 offers
Accentra Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.625% APR6.625%—Standard
15-Year Fixed15 year fixed6.125% APR6.125%—Standard
10-Year Fixed10 year fixed5.875% APR5.875%—Standard
20-Year Fixed20 year fixed6.250% APR6.250%—Standard
10 Year Fixed Rate, Up to 80% of Value10 year fixed6.625% APR6.625%—Standard
5 Year Balloonother5.500% APR5.500%—Standard
Construction Loans (Up to 1 Year)other5.500% APR5.500%—Standard
7 Year Balloonother5.625% APR5.625%—Standard
5 Year Fixed Rate, Up to 80% of Valueother5.625% APR5.625%—Standard
10 Year Balloonother5.875% APR5.875%—Standard
Cars, Trucks, and Vans (36 Months)other6.370% APR6.370%—Standard
Cars, Trucks, and Vans (48 Months)other6.440% APR6.440%—Standard
Cars, Trucks, and Vans (24 Months)other6.440% APR6.440%—Standard
Cars, Trucks, and Vans (72 Months)other6.560% APR6.560%—Standard
Cars, Trucks, and Vans (60 Months)other6.570% APR6.570%—Standard
Cars, Trucks, and Vans (12 Months)other6.620% APR6.620%—Standard

Auto & vehicle rates

49 offers
Accentra Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Boats, RVs, Campers (48 Months)boat_any_24mo6.350% APR6.350%24 moStandard
Boats, RVs, Campers (36 Months)boat_any_24mo6.380% APR6.380%24 moStandard
Boats, RVs, Campers (60 Months)boat_any_24mo6.430% APR6.430%24 moStandard
Boats, RVs, Campers (24 Months)boat_any_24mo6.450% APR6.450%24 moStandard
Boats, RVs, Campers (72 Months)boat_any_24mo6.560% APR6.560%24 moStandard
Boats, RVs, Campers (12 Months)boat_any_24mo6.630% APR6.630%24 moStandard
Boats, RVs, Campers (84 Months)boat_any_24mo6.710% APR6.710%24 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (24 Months)motorcycle_any_24mo6.840% APR6.840%24 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (36 Months)motorcycle_any_24mo6.880% APR6.880%24 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (12 Months)motorcycle_any_24mo7.020% APR7.020%24 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (48 Months)motorcycle_any_24mo7.090% APR7.090%24 moStandard
Boats, RVs, Campers (48 Months)boat_any_60mo7.100% APR7.100%60 moStandard
Boats, RVs, Campers (36 Months)boat_any_60mo7.140% APR7.140%60 moStandard
Boats, RVs, Campers (60 Months)boat_any_60mo7.180% APR7.180%60 moStandard
Boats, RVs, Campers (24 Months)boat_any_60mo7.200% APR7.200%60 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (24 Months)motorcycle_any_48mo7.240% APR7.240%48 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (36 Months)motorcycle_any_48mo7.280% APR7.280%48 moStandard
Boats, RVs, Campers (144 Months)boat_any_24mo7.290% APR7.290%24 moStandard
Boats, RVs, Campers (120 Months)boat_any_24mo7.300% APR7.300%24 moStandard
Boats, RVs, Campers (72 Months)boat_any_60mo7.310% APR7.310%60 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (60 Months)motorcycle_any_24mo7.320% APR7.320%24 moStandard
Boats, RVs, Campers (12 Months)boat_any_60mo7.380% APR7.380%60 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (12 Months)motorcycle_any_48mo7.420% APR7.420%48 moStandard
Boats, RVs, Campers (84 Months)boat_any_60mo7.460% APR7.460%60 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (48 Months)motorcycle_any_48mo7.490% APR7.490%48 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (72 Months)motorcycle_any_24mo7.560% APR7.560%24 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (24 Months)motorcycle_any_84mo7.590% APR7.590%84 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (36 Months)motorcycle_any_84mo7.630% APR7.630%84 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (60 Months)motorcycle_any_48mo7.720% APR7.720%48 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (12 Months)motorcycle_any_84mo7.770% APR7.770%84 moStandard
Boats, RVs, Campers (180 Months)boat_any_24mo7.770% APR7.770%24 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (48 Months)motorcycle_any_84mo7.840% APR7.840%84 moStandard
Boats, RVs, Campers (48 Months)boat_any_48mo7.850% APR7.850%48 moStandard
Boats, RVs, Campers (36 Months)boat_any_36mo7.890% APR7.890%36 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (72 Months)motorcycle_any_48mo7.960% APR7.960%48 moStandard
Boats, RVs, Campers (144 Months)boat_any_60mo8.040% APR8.040%60 moStandard
Boats, RVs, Campers (120 Months)boat_any_60mo8.050% APR8.050%60 moStandard
Boats, RVs, Campers (72 Months)boat_any_72mo8.060% APR8.060%72 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (60 Months)motorcycle_any_84mo8.080% APR8.080%84 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (36 Months)motorcycle_any_36mo8.130% APR8.130%36 moStandard
Boats, RVs, Campers (12 Months)boat_any_12mo8.130% APR8.130%12 moStandard
Boats, RVs, Campers (84 Months)boat_any_84mo8.210% APR8.210%84 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (12 Months)motorcycle_any_12mo8.270% APR8.270%12 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (72 Months)motorcycle_any_84mo8.310% APR8.310%84 moStandard
Boats, RVs, Campers (180 Months)boat_any_60mo8.520% APR8.520%60 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (60 Months)motorcycle_any_60mo8.580% APR8.580%60 moStandard
Boats, RVs, Campers (144 Months)boat_any_144mo8.790% APR8.790%144 moStandard
Boats, RVs, Campers (120 Months)boat_any_120mo8.800% APR8.800%120 moStandard
Motorcycles, ATVs, Snowmobiles, and Jetskis (72 Months)motorcycle_any_72mo8.810% APR8.810%72 moStandard

Personal loan rates

28 offers
Accentra Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Improvement Loanpersonal5.750% APR5.750%—Standard
Other Secured Loans (36 Months)personal_secured_24mo6.790% APR6.790%24 moStandard
Other Secured Loans (48 Months)personal_secured_24mo6.800% APR6.800%24 moStandard
Other Secured Loans (60 Months)personal_secured_24mo6.820% APR6.820%24 moStandard
Other Secured Loans (24 Months)personal_secured_24mo6.850% APR6.850%24 moStandard
Other Secured Loans (12 Months)personal_secured_24mo7.030% APR7.030%24 moStandard
Other Secured Loans (72 Months)personal_secured_24mo7.210% APR7.210%24 moStandard
Other Secured Loans (84 Months)personal_secured_24mo7.300% APR7.300%24 moStandard
Other Secured Loans (36 Months)personal_secured_48mo7.540% APR7.540%48 moStandard
Other Secured Loans (48 Months)personal_secured_48mo7.550% APR7.550%48 moStandard
Other Secured Loans (60 Months)personal_secured_48mo7.570% APR7.570%48 moStandard
Other Secured Loans (24 Months)personal_secured_48mo7.600% APR7.600%48 moStandard
Other Secured Loans (12 Months)personal_secured_48mo7.780% APR7.780%48 moStandard
Other Secured Loans (120 Months)personal_secured_24mo7.790% APR7.790%24 moStandard
Other Secured Loans (72 Months)personal_secured_48mo7.960% APR7.960%48 moStandard
Other Secured Loans (36 Months)personal_secured_84mo8.040% APR8.040%84 moStandard
Other Secured Loans (84 Months)personal_secured_48mo8.050% APR8.050%48 moStandard
Other Secured Loans (48 Months)personal_secured_84mo8.050% APR8.050%84 moStandard
Other Secured Loans (60 Months)personal_secured_84mo8.080% APR8.080%84 moStandard
Other Secured Loans (24 Months)personal_secured_84mo8.100% APR8.100%84 moStandard
Other Secured Loans (12 Months)personal_secured_84mo8.280% APR8.280%84 moStandard
Other Secured Loans (36 Months)personal_secured_36mo8.290% APR8.290%36 moStandard
Other Secured Loans (60 Months)personal_secured_60mo8.330% APR8.330%60 moStandard
Other Secured Loans (72 Months)personal_secured_84mo8.460% APR8.460%84 moStandard
Other Secured Loans (12 Months)personal_secured_12mo8.530% APR8.530%12 moStandard
Other Secured Loans (120 Months)personal_secured_48mo8.540% APR8.540%48 moStandard
Other Secured Loans (84 Months)personal_secured_84mo8.550% APR8.550%84 moStandard
Other Secured Loans (72 Months)personal_secured_72mo8.710% APR8.710%72 moStandard

Savings & CD rates

17 offers
Accentra Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share Savings (Quarterly)share_savings0.05% APY0.05%—Standard
Business Checking and Money Market Savings Interest Rates (Monthly)money_market0.05% APY0.05%—Standard
Business Checking and Money Market Savings Interest Rates (Monthly)money_market0.10% APY0.10%—Standard
Christmas Club (Quarterly)savings0.10% APY0.10%—Specialty offer
Business Checking and Money Market Savings Interest Rates (Monthly)money_market0.15% APY0.15%—Standard
Business Checking and Money Market Savings Interest Rates (Monthly)money_market0.20% APY0.20%—Standard
3-Month Certificatecd_3mo0.20% APY0.20%3 moStandard
6-Month Certificatecd_6mo0.25% APY0.25%6 moStandard
Money Market Savings (Monthly)money_market0.35% APY0.35%—Standard
Business Checking and Money Market Savings Interest Rates (Monthly)money_market0.35% APY0.35%—Standard
24-Month Certificatecd_24mo0.40% APY0.40%24 moStandard
36-Month Certificatecd_36mo0.50% APY0.50%36 moStandard
Business Checking and Money Market Savings Interest Rates (Monthly)money_market0.50% APY0.50%—Standard
48-Month Certificatecd_48mo0.60% APY0.60%48 moStandard
60-Month Certificatecd_60mo0.70% APY0.70%60 moStandard
18-Month Certificatecd_18mo2.91% APY2.91%18 moStandard
6-Month Certificatecd_6mo3.50% APY3.50%6 moStandard

Other rates

3 offers
Accentra Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Do More This Summer (As low as)other1.990% %1.990%—Standard
Introductory Rate for 6 monthsother1.990% %1.990%—Introductory offer
Rate after 6 monthsother6.750% %6.750%—Standard

As of August 4, 2026, Accentra Credit Union offers a 30-year fixed mortgage at 6.625% APR. Vehicle loans available from 6.35% APR for 24 months. Personal loan rates from 5.75% APR. Savings and certificate yields up to 3.50% APY.

Source: RateAPI.dev, verified from Accentra Credit Union's official website

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About Accentra Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
17K
Assets
$217.1M
Founded
1930
Locations reported
3
NCUA charter
60798
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Austin City EmployeesACECU · Austin · MN · 55912Branch in the same ZIPMower County Catholic ParishesCredit Union Office · Austin · MN · 55912Branch in the same ZIPAffinity PlusAlbert Lea · Albert Lea · MN · 56007-4385About 16.9 miles awayTrades & LaborTRADES & LABOR FCU · ALBERT LEA · MN · 56007-4526About 16.9 miles awayUnited EmployeesUnited Employees Credit Union · Albert Lea · MN · 56007About 16.9 miles awayFirst AllianceStewartville · Stewartville · MN · 55976-1235About 28.1 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Accentra Credit Union

Membership eligibility from Accentra Credit Union's own published criteria. How we verify this.

Community charter: live/work in Dodge, Fillmore, Freeborn +5 more, MN

  • LocationDodge, Fillmore, Freeborn, Houston, Mower, Olmsted, Steele, Winona — MN

Verified from Accentra Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Accentra Credit Union?

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Frequently Asked Questions

What rates does Accentra Credit Union offer?

Accentra Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Accentra Credit Union rates updated?

RateAPI verifies Accentra Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Accentra Credit Union's rate data?

Rate data is collected directly from Accentra Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Accentra Credit Union's mortgage rate?

As of August 4, 2026, Accentra Credit Union offers a 30-year fixed mortgage at 6.625% APR.

What are Accentra Credit Union's boat & motorcycle loan rates?

As of August 4, 2026, Accentra Credit Union offers vehicle loans from 6.35% APR.

What is Accentra Credit Union's personal loan rate?

As of August 4, 2026, Accentra Credit Union offers personal loans from 5.75% APR.

What is Accentra Credit Union's best CD rate?

As of August 4, 2026, Accentra Credit Union offers savings and certificate (CD) yields up to 3.50% APY.

Related Rate Data

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Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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