What are the current interest rates at Accentra Credit Union?

Current rates for Accentra Credit Union include: 18-Month CD: 2.69%, 24-Month CD: 0.40%, 36-Month CD: 0.50%, 48-Month CD: 0.60%, 60-Month CD: 0.70%, Savings: 0.05%

Accentra Credit Union Rates and Review February 2026

Q: Is a member application needed to join Accentra Credit Union?

Yes, to access services at Accentra Credit Union, a member application is required.

Content reviewed by

Brian McKay

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Accentra Credit Union Deposit Rates

Accentra Credit Union's 6 month CD Account rates are at 3.53%, CD Account 6 month Special rates are at 3.53%, IRA CD 6 month Special rates are at 3.53%, 18 month CD Account rates are at 2.69%, CD Account 18 month rates are at 2.69%. Accentra Credit Union's savings rates are at 0.05%.

Accentra Credit Union

Accentra Credit Union money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available.Have you opened an account or have any experiences at Accentra Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use .

Accentra Credit Union Texas Ratio

Accentra Credit Union's Texas Ratio is at 16.99%, which is considered good. The Texas Ratio for Accentra Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This suggests that while Accentra Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.

MonitorBankRates Rating

4.8

Excellent

Out of 5.0 Stars

Accentra Credit Union has earned a Smart Rating of 4.8 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Overall, Accentra Credit Union is an excellent credit union worth considering, with an overall rating of 4.8 stars out of 5 stars.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

N/A

2.38%

18-Month CD

2.69%

2.14%

24-Month CD

0.40%

2.17%

36-Month CD

0.50%

2.11%

48-Month CD

0.60%

2.10%

60-Month CD

0.70%

2.23%

Savings

0.05%

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Accentra Credit Union
Accentra Credit Union

400 4th Ave NE
Austin, MN 55912

https://www.accentracu.org

MonitorBankRates

Official Financial Rating

4.8

★★★★★

EXCELLENT

🏆

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Accentra Credit Union CD Rates

Product	Rate	APY	Term
6 month Certificate Account	3.50%	3.53%	6 Months
Min Deposit$500 DetailsSpecial Last Updated 02/10/2026
Certificate Account 6 month Special	3.50%	3.53%	6 Months
Min Deposit$500 Last Updated 02/10/2026
IRA Certificate 6 month Special	3.50%	3.53%	6 Months
Min Deposit$500 Last Updated 02/10/2026
18 month Certificate Account	2.66%	2.69%	18 Months
Min Deposit$10 Last Updated 02/10/2026
Certificate Account 18 month	2.66%	2.69%	18 Months
Min Deposit$10 Last Updated 02/10/2026
IRA Certificate 18 month	2.66%	2.69%	18 Months
Min Deposit$10 Last Updated 02/10/2026
60 month Certificate Account	0.70%	0.70%	60 Months
Min Deposit$500 Last Updated 02/10/2026
IRA Certificate 60 month	0.70%	0.70%	60 Months
Min Deposit$500 Last Updated 02/10/2026
48 month Certificate Account	0.60%	0.60%	48 Months
Min Deposit$500 Last Updated 02/10/2026
IRA Certificate 48 month	0.60%	0.60%	48 Months
Min Deposit$500 Last Updated 02/10/2026
36 month Certificate Account	0.50%	0.50%	36 Months
Min Deposit$500 Last Updated 02/10/2026
IRA Certificate 36 month	0.50%	0.50%	36 Months
Min Deposit$500 Last Updated 02/10/2026
24 month Certificate Account	0.40%	0.40%	24 Months
Min Deposit$500 Last Updated 02/10/2026
IRA Certificate 24 month	0.40%	0.40%	24 Months
Min Deposit$500 Last Updated 02/10/2026
6 month Certificate Account	0.25%	0.25%	6 Months
Min Deposit$500 Last Updated 02/10/2026
IRA Certificate 6 month	0.25%	0.25%	6 Months
Min Deposit$500 Last Updated 02/10/2026
3 month Certificate Account	0.20%	0.20%	3 Months
Min Deposit$500 Last Updated 02/10/2026
IRA Certificate 3 month	0.20%	0.20%	3 Months
Min Deposit$500 Last Updated 02/10/2026

Accentra Credit Union Savings Rates

Product	Rate	APY
Money Market Savings	0.35%	0.35%
Min Deposit$100,000 Min Balance$100,000 DetailsBalance: $100,000 - Greater; Interest Compounded: Monthly Last Updated 02/10/2026
Money Market Savings	0.20%	0.20%
Min Deposit$50,000 Min Balance$50,000 DetailsBalance: $50,000 - 99,999; Interest Compounded: Monthly Last Updated 02/10/2026
Money Market Savings	0.15%	0.15%
Min Deposit$25,000 Min Balance$25,000 DetailsBalance: $25,000 - 49,999; Interest Compounded: Monthly Last Updated 02/10/2026
Christmas Club	0.10%	0.10%
Min Deposit$20 Last Updated 02/10/2026
IRA Savings	0.10%	0.10%
Min Deposit$20 Last Updated 02/10/2026
Money Market Savings	0.10%	0.10%
Min Deposit$10,000 Min Balance$10,000 DetailsBalance: $10,000 - 24,999; Interest Compounded: Monthly Last Updated 02/10/2026
Money Market Savings	0.05%	0.05%
DetailsBalance: $0 - 2,499; Interest Compounded: Monthly Last Updated 02/10/2026
Share Savings	0.05%	0.05%
Min Deposit$5 DetailsInterest Compounded Quarterly Last Updated 02/10/2026

Accentra Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	0.35%	0.35%
Min Deposit$100,000 Min Balance$100,000 DetailsBalance: $100,000 - Greater; Interest Compounded: Monthly Last Updated 02/10/2026
Money Market Savings	0.20%	0.20%
Min Deposit$50,000 Min Balance$50,000 DetailsBalance: $50,000 - 99,999; Interest Compounded: Monthly Last Updated 02/10/2026
Money Market Savings	0.15%	0.15%
Min Deposit$25,000 Min Balance$25,000 DetailsBalance: $25,000 - 49,999; Interest Compounded: Monthly Last Updated 02/10/2026
Money Market Savings	0.10%	0.10%
Min Deposit$10,000 Min Balance$10,000 DetailsBalance: $10,000 - 24,999; Interest Compounded: Monthly Last Updated 02/10/2026
Money Market Savings	0.05%	0.05%
DetailsBalance: $0 - 2,499; Interest Compounded: Monthly Last Updated 02/10/2026

Accentra Credit Union Checking Rates

Product	Rate	APY
Business Checking and Money Market Savings	0.50%	0.50%
Min Balance$250,000 DetailsBalance: $250,000 - Greater Last Updated 02/10/2026
Business Checking and Money Market Savings	0.35%	0.35%
Min Balance$100,000 DetailsBalance: $100,000 - $249,999 Last Updated 02/10/2026
Business Checking and Money Market Savings	0.20%	0.20%
Min Balance$50,000 DetailsBalance: $50,000 - $99,999 Last Updated 02/10/2026
Business Checking and Money Market Savings	0.15%	0.15%
Min Balance$25,000 DetailsBalance: $25,000 - $49,999 Last Updated 02/10/2026
Business Checking and Money Market Savings	0.10%	0.10%
Min Balance$10,000 DetailsBalance: $10,000 - $24,999 Last Updated 02/10/2026
Business Checking and Money Market Savings	0.05%	0.05%
DetailsBalance: $0 - $9,999 Last Updated 02/10/2026

Accentra Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Cars, Trucks, and Vans	-	-	5.12%	36 Months
DetailsAge of Vehicle: 0-2 years Last Updated 02/10/2026
Cars, Trucks, and Vans 0-2 years	-	-	5.12%	36 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.19%	24 Months
DetailsAge of Vehicle: 0-2 years Last Updated 02/10/2026
Cars, Trucks, and Vans 0-2 years	-	-	5.19%	24 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.20%	48 Months
DetailsAge of Vehicle: 0-2 years Last Updated 02/10/2026
Cars, Trucks, and Vans 0-2 years	-	-	5.20%	48 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.32%	72 Months
DetailsAge of Vehicle: 0-2 years Last Updated 02/10/2026
Cars, Trucks, and Vans 0-2 years	-	-	5.32%	72 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.33%	60 Months
DetailsAge of Vehicle: 0-2 years Last Updated 02/10/2026
Cars, Trucks, and Vans 0-2 years	-	-	5.33%	60 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.36%	12 Months
DetailsAge of Vehicle: 0-2 years Last Updated 02/10/2026
Cars, Trucks, and Vans 0-2 years	-	-	5.36%	12 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.37%	36 Months
DetailsAge of Vehicle: 3-5 years Last Updated 02/10/2026
Cars, Trucks, and Vans 3-5 years	-	-	5.37%	36 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.44%	24 Months
DetailsAge of Vehicle: 3-5 years Last Updated 02/10/2026
Cars, Trucks, and Vans 3-5 years	-	-	5.44%	24 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.45%	48 Months
DetailsAge of Vehicle: 3-5 years Last Updated 02/10/2026
Cars, Trucks, and Vans 0-2 years	-	-	5.45%	84 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans 3-5 years	-	-	5.45%	48 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.57%	72 Months
DetailsAge of Vehicle: 3-5 years Last Updated 02/10/2026
Cars, Trucks, and Vans 3-5 years	-	-	5.57%	72 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.58%	60 Months
DetailsAge of Vehicle: 3-5 years Last Updated 02/10/2026
Cars, Trucks, and Vans 3-5 years	-	-	5.58%	60 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.61%	12 Months
DetailsAge of Vehicle: 3-5 years Last Updated 02/10/2026
Cars, Trucks, and Vans 3-5 years	-	-	5.61%	12 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.87%	36 Months
DetailsAge of Vehicle: 6-10 years Last Updated 02/10/2026
Cars, Trucks, and Vans 6-10 years	-	-	5.87%	36 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.94%	24 Months
DetailsAge of Vehicle: 6-10 years Last Updated 02/10/2026
Cars, Trucks, and Vans 6-10 years	-	-	5.94%	24 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	5.95%	48 Months
DetailsAge of Vehicle: 6-10 years Last Updated 02/10/2026
Cars, Trucks, and Vans 6-10 years	-	-	5.95%	48 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	6.07%	72 Months
DetailsAge of Vehicle: 6-10 years Last Updated 02/10/2026
Cars, Trucks, and Vans 6-10 years	-	-	6.07%	72 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	6.08%	60 Months
DetailsAge of Vehicle: 6-10 years Last Updated 02/10/2026
Cars, Trucks, and Vans 6-10 years	-	-	6.08%	60 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	6.11%	12 Months
DetailsAge of Vehicle: 6-10 years Last Updated 02/10/2026
Cars, Trucks, and Vans 6-10 years	-	-	6.11%	12 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	6.63%	36 Months
DetailsAge of Vehicle: 10+ years Last Updated 02/10/2026
Cars, Trucks, and Vans 10+ years	-	-	6.63%	36 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	6.69%	24 Months
DetailsAge of Vehicle: 10+ years Last Updated 02/10/2026
Cars, Trucks, and Vans 10+ years	-	-	6.69%	24 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	6.70%	48 Months
DetailsAge of Vehicle: 10+ years Last Updated 02/10/2026
Cars, Trucks, and Vans 10+ years	-	-	6.70%	48 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	6.82%	72 Months
DetailsAge of Vehicle: 10+ years Last Updated 02/10/2026
Cars, Trucks, and Vans 10+ years	-	-	6.82%	72 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	6.83%	60 Months
DetailsAge of Vehicle: 10+ years Last Updated 02/10/2026
Cars, Trucks, and Vans 10+ years	-	-	6.83%	60 Months
DetailsAge of Vehicle Last Updated 02/10/2026
Cars, Trucks, and Vans	-	-	6.87%	12 Months
DetailsAge of Vehicle: 10+ years Last Updated 02/10/2026
Cars, Trucks, and Vans 10+ years	-	-	6.87%	12 Months
DetailsAge of Vehicle Last Updated 02/10/2026

Accentra Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - Line of Credit Introductory Rate	-	-	3.90%	6 Months
No additional details. Last Updated 02/10/2026
Home Equity Line of Credit Introductory	-	-	3.90%	6 Months
DetailsIntroductory Rate Last Updated 02/10/2026
Home Equity Loan 5 Year Fixed Rate	5.13%	-	5.41%	5 Year
DetailsUp to 80% of Value Last Updated 02/10/2026
Home Equity Loans 5 Year Fixed Rate	5.13%	-	5.41%	5 Year
DetailsUp to 80% of Value Last Updated 02/10/2026
Home Equity Loan 10 Year Fixed Rate	6.13%	-	6.28%	10 Year
DetailsUp to 80% of Value Last Updated 02/10/2026
Home Equity Loans 10 Year Fixed Rate	6.13%	-	6.28%	10 Year
DetailsUp to 80% of Value Last Updated 02/10/2026
Home Equity - Line of Credit	-	-	6.75%
DetailsRate after 6 months Last Updated 02/10/2026
Home Equity - Line of Credit Rate after	-	-	6.75%	6 Months
No additional details. Last Updated 02/10/2026

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Accentra Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Accentra Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Accentra Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name: Accentra Credit Union

Website: https://www.accentracu.org

Full Time Employees: 42
Part Time Employees: 4
President: SHERI DANKERT
CEO: Paul Knorr
Branch Locations: 3
ATM Locations: 1

Corporate Office Address:

400 4th Ave NE
Austin, MN 55912
Phone Number: 507-433-1829
Fax Number: 507-434-3300

Financials

Total Assets:

206,045,318

Total Amount of Shares and Deposits:

185,264,667

Total Shares and Deposits < 1 Year:

180,760,348

Total Shares and Deposits 1 3 Years:

4,464,706

Total Shares and Deposits > 3 Years:

39,613

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):

7,599,694

Total Uninsured Shares and Deposits > $250K (F+J):

7,599,694

Total Insured Shares and Deposits > $250K (item 17 less item K):

177,664,973

Total Interest Expense (Sum of items 6 8):

1,297,965

Share Certificates:

1,472

Number of Accounts for Share Drafts:

9,940

IRA KEOGH Accounts:

156

Number of Accounts for Regular Shares:

18,036

All other shares:

1,720

Money Market Shares:

503

Net Income (unless the amount is already included in Undivided Earnings):

693,354

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

15,027,943

Total Liabilities:

187,767,900

Source: NCUA Last Updated 09/30/2025

Customer Reviews

REXk

★★★★★

December 17, 2025

Tkzo

Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About Accentra Credit Union

Is a member application needed to join Accentra Credit Union?

Yes, to access services at Accentra Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Accentra Credit Union provides a range of mortgage and home equity products.

Is Accentra Credit Union a safe place to deposit money?

Yes, Accentra Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.