--- title: "Accentra Credit Union Rates - Minnesota" description: "Current mortgage, vehicle loan, personal loan, and savings & cd rates from Accentra Credit Union in Minnesota. Updated daily with source verification. See who can join Accentra Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/accentra" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Accentra Credit Union Rates - Minnesota ### Mortgage rates 16 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.750% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.500% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 7.000% | — | Standard | | **10 Year Fixed Rate, Up to 80% of Value** 10 year fixed | — APR | 7.250% | — | Standard | | **5 Year Balloon** other | — APR | 6.125% | — | Standard | | **Construction Loans (Up to 1 Year)** other | — APR | 6.125% | — | Standard | | **5 Year Fixed Rate, Up to 80% of Value** other | — APR | 6.250% | — | Standard | | **7 Year Balloon** other | — APR | 6.250% | — | Standard | | **Cars, Trucks, and Vans (36 Months)** other | — APR | 6.370% | — | Standard | | **Cars, Trucks, and Vans (48 Months)** other | — APR | 6.440% | — | Standard | | **Cars, Trucks, and Vans (24 Months)** other | — APR | 6.440% | — | Standard | | **10 Year Balloon** other | — APR | 6.500% | — | Standard | | **Cars, Trucks, and Vans (72 Months)** other | — APR | 6.560% | — | Standard | | **Cars, Trucks, and Vans (60 Months)** other | — APR | 6.570% | — | Standard | | **Cars, Trucks, and Vans (12 Months)** other | — APR | 6.620% | — | Standard | Accentra Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 49 offers | Product | Published | Rate | Term / condition | Status | | **Boats, RVs, Campers (48 Months)** boat_any_24mo | — APR | 6.350% | 24 mo | Standard | | **Boats, RVs, Campers (36 Months)** boat_any_24mo | — APR | 6.380% | 24 mo | Standard | | **Boats, RVs, Campers (60 Months)** boat_any_24mo | — APR | 6.430% | 24 mo | Standard | | **Boats, RVs, Campers (24 Months)** boat_any_24mo | — APR | 6.450% | 24 mo | Standard | | **Boats, RVs, Campers (72 Months)** boat_any_24mo | — APR | 6.560% | 24 mo | Standard | | **Boats, RVs, Campers (12 Months)** boat_any_24mo | — APR | 6.630% | 24 mo | Standard | | **Boats, RVs, Campers (84 Months)** boat_any_24mo | — APR | 6.710% | 24 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (24 Months)** motorcycle_any_24mo | — APR | 6.840% | 24 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (36 Months)** motorcycle_any_24mo | — APR | 6.880% | 24 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (12 Months)** motorcycle_any_24mo | — APR | 7.020% | 24 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (48 Months)** motorcycle_any_24mo | — APR | 7.090% | 24 mo | Standard | | **Boats, RVs, Campers (48 Months)** boat_any_60mo | — APR | 7.100% | 60 mo | Standard | | **Boats, RVs, Campers (36 Months)** boat_any_60mo | — APR | 7.140% | 60 mo | Standard | | **Boats, RVs, Campers (60 Months)** boat_any_60mo | — APR | 7.180% | 60 mo | Standard | | **Boats, RVs, Campers (24 Months)** boat_any_60mo | — APR | 7.200% | 60 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (24 Months)** motorcycle_any_48mo | — APR | 7.240% | 48 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (36 Months)** motorcycle_any_48mo | — APR | 7.280% | 48 mo | Standard | | **Boats, RVs, Campers (144 Months)** boat_any_24mo | — APR | 7.290% | 24 mo | Standard | | **Boats, RVs, Campers (120 Months)** boat_any_24mo | — APR | 7.300% | 24 mo | Standard | | **Boats, RVs, Campers (72 Months)** boat_any_60mo | — APR | 7.310% | 60 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (60 Months)** motorcycle_any_24mo | — APR | 7.320% | 24 mo | Standard | | **Boats, RVs, Campers (12 Months)** boat_any_60mo | — APR | 7.380% | 60 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (12 Months)** motorcycle_any_48mo | — APR | 7.420% | 48 mo | Standard | | **Boats, RVs, Campers (84 Months)** boat_any_60mo | — APR | 7.460% | 60 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (48 Months)** motorcycle_any_48mo | — APR | 7.490% | 48 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (72 Months)** motorcycle_any_24mo | — APR | 7.560% | 24 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (24 Months)** motorcycle_any_84mo | — APR | 7.590% | 84 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (36 Months)** motorcycle_any_84mo | — APR | 7.630% | 84 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (60 Months)** motorcycle_any_48mo | — APR | 7.720% | 48 mo | Standard | | **Boats, RVs, Campers (180 Months)** boat_any_24mo | — APR | 7.770% | 24 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (12 Months)** motorcycle_any_84mo | — APR | 7.770% | 84 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (48 Months)** motorcycle_any_84mo | — APR | 7.840% | 84 mo | Standard | | **Boats, RVs, Campers (48 Months)** boat_any_48mo | — APR | 7.850% | 48 mo | Standard | | **Boats, RVs, Campers (36 Months)** boat_any_36mo | — APR | 7.890% | 36 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (72 Months)** motorcycle_any_48mo | — APR | 7.960% | 48 mo | Standard | | **Boats, RVs, Campers (144 Months)** boat_any_60mo | — APR | 8.040% | 60 mo | Standard | | **Boats, RVs, Campers (120 Months)** boat_any_60mo | — APR | 8.050% | 60 mo | Standard | | **Boats, RVs, Campers (72 Months)** boat_any_72mo | — APR | 8.060% | 72 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (60 Months)** motorcycle_any_84mo | — APR | 8.080% | 84 mo | Standard | | **Boats, RVs, Campers (12 Months)** boat_any_12mo | — APR | 8.130% | 12 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (36 Months)** motorcycle_any_36mo | — APR | 8.130% | 36 mo | Standard | | **Boats, RVs, Campers (84 Months)** boat_any_84mo | — APR | 8.210% | 84 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (12 Months)** motorcycle_any_12mo | — APR | 8.270% | 12 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (72 Months)** motorcycle_any_84mo | — APR | 8.310% | 84 mo | Standard | | **Boats, RVs, Campers (180 Months)** boat_any_60mo | — APR | 8.520% | 60 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (60 Months)** motorcycle_any_60mo | — APR | 8.580% | 60 mo | Standard | | **Boats, RVs, Campers (144 Months)** boat_any_144mo | — APR | 8.790% | 144 mo | Standard | | **Boats, RVs, Campers (120 Months)** boat_any_120mo | — APR | 8.800% | 120 mo | Standard | | **Motorcycles, ATVs, Snowmobiles, and Jetskis (72 Months)** motorcycle_any_72mo | — APR | 8.810% | 72 mo | Standard | Accentra Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 29 offers | Product | Published | Rate | Term / condition | Status | | **Other Secured Loans (36 Months)** personal_secured_24mo | — APR | 6.790% | 24 mo | Standard | | **Other Secured Loans (48 Months)** personal_secured_24mo | — APR | 6.800% | 24 mo | Standard | | **Other Secured Loans (60 Months)** personal_secured_24mo | — APR | 6.820% | 24 mo | Standard | | **Other Secured Loans (24 Months)** personal_secured_24mo | — APR | 6.850% | 24 mo | Standard | | **Other Secured Loans (12 Months)** personal_secured_24mo | — APR | 7.030% | 24 mo | Standard | | **Other Secured Loans (72 Months)** personal_secured_24mo | — APR | 7.210% | 24 mo | Standard | | **Other Secured Loans (84 Months)** personal_secured_24mo | — APR | 7.300% | 24 mo | Standard | | **Other Secured Loans (36 Months)** personal_secured_48mo | — APR | 7.540% | 48 mo | Standard | | **Other Secured Loans (48 Months)** personal_secured_48mo | — APR | 7.550% | 48 mo | Standard | | **Other Secured Loans (60 Months)** personal_secured_48mo | — APR | 7.570% | 48 mo | Standard | | **Other Secured Loans (24 Months)** personal_secured_48mo | — APR | 7.600% | 48 mo | Standard | | **Other Secured Loans (12 Months)** personal_secured_48mo | — APR | 7.780% | 48 mo | Standard | | **Other Secured Loans (120 Months)** personal_secured_24mo | — APR | 7.790% | 24 mo | Standard | | **Other Secured Loans (72 Months)** personal_secured_48mo | — APR | 7.960% | 48 mo | Standard | | **Other Secured Loans (36 Months)** personal_secured_84mo | — APR | 8.040% | 84 mo | Standard | | **Other Secured Loans (48 Months)** personal_secured_84mo | — APR | 8.050% | 84 mo | Standard | | **Other Secured Loans (84 Months)** personal_secured_48mo | — APR | 8.050% | 48 mo | Standard | | **Other Secured Loans (60 Months)** personal_secured_84mo | — APR | 8.080% | 84 mo | Standard | | **Other Secured Loans (24 Months)** personal_secured_84mo | — APR | 8.100% | 84 mo | Standard | | **Other Secured Loans (12 Months)** personal_secured_84mo | — APR | 8.280% | 84 mo | Standard | | **Other Secured Loans (36 Months)** personal_secured_36mo | — APR | 8.290% | 36 mo | Standard | | **Other Secured Loans (60 Months)** personal_secured_60mo | — APR | 8.330% | 60 mo | Standard | | **Other Secured Loans (72 Months)** personal_secured_84mo | — APR | 8.460% | 84 mo | Standard | | **Other Secured Loans (12 Months)** personal_secured_12mo | — APR | 8.530% | 12 mo | Standard | | **Other Secured Loans (120 Months)** personal_secured_48mo | — APR | 8.540% | 48 mo | Standard | | **Other Secured Loans (84 Months)** personal_secured_84mo | — APR | 8.550% | 84 mo | Standard | | **Other Secured Loans (72 Months)** personal_secured_72mo | — APR | 8.710% | 72 mo | Standard | | **Homeowner Personal Loan** personal_unsecured | — APR | 8.900% | — | Standard | | **Home Improvement Loan** personal | — APR | 8.900% | — | Standard | Accentra Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 17 offers | Product | Published | Rate | Term / condition | Status | | **Business Checking and Money Market Savings Interest Rates (Monthly)** money_market | — APY | 0.05% | — | Eligibility restricted | | **Share Savings (Quarterly)** share_savings | — APY | 0.05% | — | Standard | | **Christmas Club (Quarterly)** savings | — APY | 0.10% | — | Specialty offer | | **Business Checking and Money Market Savings Interest Rates (Monthly)** money_market | — APY | 0.10% | — | Eligibility restricted | | **Business Checking and Money Market Savings Interest Rates (Monthly)** money_market | — APY | 0.15% | — | Eligibility restricted | | **Business Checking and Money Market Savings Interest Rates (Monthly)** money_market | — APY | 0.20% | — | Eligibility restricted | | **3-Month Certificate** cd_3mo | — APY | 0.20% | 3 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 0.25% | 6 mo | Standard | | **Business Checking and Money Market Savings Interest Rates (Monthly)** money_market | — APY | 0.35% | — | Eligibility restricted | | **Money Market Savings (Monthly)** money_market | — APY | 0.35% | — | Standard | | **24-Month Certificate** cd_24mo | — APY | 0.40% | 24 mo | Standard | | **Business Checking and Money Market Savings Interest Rates (Monthly)** money_market | — APY | 0.50% | — | Eligibility restricted | | **36-Month Certificate** cd_36mo | — APY | 0.50% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 0.60% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 0.70% | 60 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.37% | 18 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.50% | 6 mo | Standard | Accentra Credit Union savings & cd rates as of November 12, 2026 Accentra Credit Union is a credit union in Minnesota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/accentra) , verified from [Accentra Credit Union's official website](https://www.accentracu.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Mower County Catholic Parishes** Credit Union Office · Austin · MN · 55912 About 1.0 miles away](https://rateapi.dev/credit-unions/minnesota/mower-county-catholic-parishes) [**Austin City Employees** ACECU · Austin · MN · 55912 About 1.4 miles away](https://rateapi.dev/credit-unions/minnesota/austin-city-employees) [**United Employees** United Employees Credit Union · Albert Lea · MN · 56007 About 18.7 miles away](https://rateapi.dev/credit-unions/minnesota/united-employees) [**Trades & Labor** TRADES & LABOR FCU · ALBERT LEA · MN · 56007-4526 About 19.2 miles away](https://rateapi.dev/credit-unions/minnesota/trades-labor) [**Affinity Plus** Albert Lea · Albert Lea · MN · 56007-4385 About 20.2 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) [**First Alliance** Stewartville · Stewartville · MN · 55976-1235 About 27.7 miles away](https://rateapi.dev/credit-unions/minnesota/first-alliance) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Accentra Credit Union's website. Check the membership page below to confirm whether you qualify. - Location dodge, fillmore, freeborn, houston, mower, olmsted, steele, winona — MN Verified from [Accentra Credit Union's membership page](https://www.accentracu.org/about-accentra/about-us/become-a-member.html) . Final membership determination is always made by the credit union. ## Membership rules for Accentra Credit Union Geography 8 counties · Family 2 34 published paths to membership, last verified August 27, 2026, quoted from Accentra Credit Union’s own published criteria. ### Geography 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Dodge County, MN - Fillmore County, MN - Freeborn County, MN - Houston County, MN - Mower County, MN - Olmsted County, MN - Steele County, MN - Winona County, MN “Membership is open to anyone who lives, works, worships, or attends school in the Minnesota counties of Dodge, Fillmore, Freeborn, Houston, Mower, Olmsted, Steele, and Winona.” > [source ↗](https://www.accentracu.org/about-accentra/about-us/become-a-member.html) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member blood relative, marriage relative, adoption relative “Relatives of current members by blood, marriage, or adoption can also join” > [source ↗](https://www.accentracu.org/about-accentra/about-us/become-a-member.html) - Family member (blood relative, marriage relative, adoption relative) of a member - Family of a member relative “Relatives of current members by blood, marriage, or adoption can also join — even if they live outside these areas.” > [source ↗](https://www.accentracu.org/about-accentra/about-us/become-a-member.html) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Accentra Credit Union? Yes No ## Work at Accentra Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Accentra Credit Union ranks against Minnesota peers. - See which AI assistants fetched Accentra Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=accentra&state=minnesota&code=MN&name=Accentra%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join Accentra Credit Union? Accentra Credit Union publishes its membership criteria on its own website. RateAPI tracks 34 published membership paths covering 8 counties for Accentra Credit Union, each quoted from Accentra Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Accentra Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota mortgage rate leaders](https://rateapi.dev/mortgage-rates/minnesota) [Minnesota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.accentracu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Accentra Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Accentra Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /accentra " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Accentra Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/accentra Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp