Credit union · NCUA insured
Accentra Credit Union
A $217.1M credit union headquartered in Austin, MN, with 17,036 members and 3 branches in Minnesota. Best rates: CDs 3.53% and savings 0.10% APY.
Accentra Credit Union Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#15 of 24 in Rochester, MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Accentra Credit Union
Accentra Credit Union was founded on December 1, 1930, originally opening as the Hormel Employees Credit Union in the Hormel Plant.
Member-owned and based in Minnesota, the credit union serves members across eight counties, including Austin, Albert Lea, and Kasson.
- Headquarters
- 400 4th Ave NE, Austin, MN 55912
- NCUA charter
- 60798
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Dodge, Fillmore, Freeborn, Houston, Mower, Olmsted, Steele, or Winona County in Minnesota.
Family and household
- Relatives of current members by blood, marriage, or adoption are eligible for membership regardless of where they live.
Cost to join
- Membership is established by opening a Share Savings account.
Branches
3 branches in Minnesota
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Minnesota
3 branches
Austin area · 1
- Accentra Credit UnionMain office400 4th Ave NE, Austin, MN 55912Directions
Albert Lea area · 1
- Accentra CU Albert Lea1619 Blake Ave, Albert Lea, MN 56007Directions
Rochester area · 1
- Accentra CU Kasson301 S Mantorville Ave Ste 100, Kasson, MN 55944Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.67% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.57% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.88% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio10.67%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.57%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Accentra Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.