Experience the Freedom of the Great Outdoors
More Than Just Cars: Explore Financing Options for Your Next Big Adventure!
Benefits You’ll Love
- Pre-approval options that empower you
- Competitive rates
- Customizable terms
- Local decisioning and service
Embark on Your Next Adventure, Winter or Summer!
Whether you're hitting the snowy trails on a snowmobile, exploring off-road trails on an ATV, or dreaming of warmer days on a boat or jet ski, Accentra’s Adventure Loans make it all possible. From winter escapes to summer thrills, we’ve got you covered all year long.
Why Choose Accentra Adventure Loans?
- Flexible Financing: Enjoy competitive rates and terms tailored to fit your budget, making it easy to bring your next adventure vehicle within reach.
- Quick Approval Process: Our streamlined application process gets you approved quickly, so you can spend more time out on the trails or water.
- Expert Guidance: Our dedicated loan specialists are here to guide you every step of the way, providing personalized advice to match your goals.
- Local Service: As a member of Accentra, you’re part of our community. We're committed to giving you local, personalized service before, during, and after your loan process.
Whether you’re a snow lover, a trail enthusiast, or a wave chaser, our Adventure Loans and Auto Loans are designed to fuel your passions and make your dreams a reality.
Ready to rev up, glide through snow, or set sail? Let your next adventure start here with Accentra Credit Union.
Boat Loans
Set sail on new horizons with a boat loan from Accentra Credit Union. Whether you're a fishing enthusiast, a watersports lover, or simply enjoy cruising on the water, our competitive loan rates and terms make it easy to finance the boat of your dreams.
RV Loans
Experience the freedom of the open road with an RV loan from Accentra Credit Union. From motorhomes to travel trailers, our flexible financing options help you embark on unforgettable adventures with confidence.
Camper Loans
Take your adventures on the road with a camper loan from Accentra Credit Union. Whether you prefer a cozy camper van or a spacious RV, we've got the financing solutions to help you explore the great outdoors in comfort and style.
ATV Loans
Blaze your own trails with an all-terrain vehicle (ATV) financed through Accentra Credit Union. Explore the great outdoors with confidence knowing you've got a loan tailored to your needs and budget.
Snowmobile Loans
Embrace winter adventures with a snowmobile loan from Accentra Credit Union. Conquer snowy landscapes and enjoy the thrill of the ride with financing that fits your lifestyle.
Motorcycle Loans
Hit the open road with ease by financing your dream motorcycle through Accentra Credit Union. Whether you're a seasoned rider or a beginner, our flexible loan options make it simple to get the bike you've always wanted.
Jetski Loans
Feel the wind in your hair and the spray of the waves with a jetski loan from Accentra Credit Union. Dive into excitement on the water with flexible financing options designed to make your dreams a reality.
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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 | 5.375% | 5.644% |
| 7 Year Balloon | 5.500% | 5.770% |
| 10 Year Balloon | 5.750% | 6.135% |
*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 | 7.13% | 8.38% | 8.88% | 9.38% |
| 24 Months | 6.95% | 8.20% | 8.70% | 9.20% |
| 36 Months | 6.89% | 8.14% | 8.64% | 9.14% |
| 48 Months | 6.85% | 8.10% | 8.60% | 9.11% |
| 60 Months | 6.97% | 8.23% | 8.73% | 9.23% |
| 72 Months | 7.06% | 8.31% | 8.81% | 9.31% |
| 84 Months | 7.31% | 8.56% | 9.06% | 9.56% |
| 120 Months | 7.70% | 8.95% | 9.45% | 9.95% |
| 144 Months | 8.03% | 9.28% | 9.78% | 10.28% |
| 180 Months | 8.27% | 9.53% | 10.03% | 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 6.974% APR* has an approximate monthly payment of $494.72.
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 | 5.87% | 7.13% | 7.63% | 8.13% |
| 24 Months | 5.70% | 6.95% | 7.45% | 7.95% |
| 36 Months | 5.63% | 6.89% | 7.39% | 7.89% |
| 48 Months | 5.70% | 6.95% | 7.45% | 7.95% |
| 60 Months | 5.82% | 7.07% | 7.57% | 8.08% |
| 72 Months | 5.81% | 7.06% | 7.56% | 8.06% |
* 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 auto loan at 5.82% APR* has an approximate monthly payment of $481.26.
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*** | 4.00% | 4.04% | At Maturity | $500.00 |
| 18 Months** | 3.20% | 3.24% | 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 | 5.375% | 5.644% |
*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 | 7.75% |
*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 7.75% 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 | 5.500% | 5.789% |
| 10 Year Fixed Rate, Up to 80% of Value | 6.500% | 6.656% |
*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 5.789% APR has an approximate monthly payment of $286.52. 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 | 5.750% | 6.135% |
| 15 Year Fixed | 6.250% | 6.618% |
| 20 Year Fixed | 6.375% | 6.670% |
| 30 Year Fixed | 6.750% | 6.979% |
*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% | 8.27% | 8.52% | 9.02% |
| 24 Months | 7.09% | 8.09% | 8.34% | 8.84% |
| 36 Months | 7.13% | 8.13% | 8.38% | 8.88% |
| 48 Months | 7.34% | 8.34% | 8.59% | 9.10% |
| 60 Months | 7.57% | 8.58% | 8.83% | 9.33% |
| 72 Months | 7.81% | 8.81% | 9.06% | 9.56% |
*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% | 8.53% | 9.03% | 9.53% |
| 24 Months | 7.10% | 8.35% | 8.85% | 9.35% |
| 36 Months | 7.04% | 8.29% | 8.79% | 9.29% |
| 48 Months | 7.05% | 8.30% | 8.81% | 9.31% |
| 60 Months | 7.07% | 8.33% | 8.83% | 9.33% |
| 72 Months | 7.46% | 8.71% | 9.21% | 9.71% |
| 84 Months | 7.55% | 8.80% | 9.30% | 9.80% |
| 120 Months | 8.04% | 9.29% | 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.