Accentra Credit Union Savings & Money Market Rates

How Accentra Credit Union’s savings rates compare

Compared with banks and credit unions near Rochester, MN, where Accentra Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Accentra Credit Union
0.10%APY
Minimum
$2,500
Earns on $10,000 a year
$10
Money Market Savings
Top rate
Altra Federal Credit Union
3.75%APY
Minimum
$0
Earns on $10,000 a year
$375
Altra Federal Credit Union rates
2nd-highest rate
Luminate Bank
3.50%APY
Minimum
—
Earns on $10,000 a year
$350
Luminate Bank rates

Compare savings rates near you →

64

Savings score

Higher than 10% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.10%
$100,000 balance$100,0000.35%
QualifiedQualified0.10%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Accentra Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Savings

0.10%APY$2,500 to open

No monthly service fees or maintenance charges. Dividends are compounded monthly. Minimum opening deposit of $2,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,499Interest compounded monthly.	0.05%	—	Interest compounded monthly.
$2,500 – $9,999Interest compounded monthly.	0.05%	—	Interest compounded monthly.
$10,000 – $24,999Interest compounded monthly.	0.10%	$10	Interest compounded monthly.
$25,000 – $49,999Interest compounded monthly.	0.15%	—	Interest compounded monthly.
$50,000 – $99,999Interest compounded monthly.	0.20%	—	Interest compounded monthly.
$100,000 and upInterest compounded monthly.	0.35%	—	Interest compounded monthly.

Sources (3)

All captured Sep 18, 2026

Share Savings

0.05%APY$5 to open

Establishes credit union membership. Dividends are calculated based on average daily balance and compounded and credited quarterly. No monthly maintenance fees or service charges.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceInterest/dividends compounded quarterly.Any balance	0.05%	$5	Interest/dividends compounded quarterly.

Sources (2)

All captured Oct 5, 2026

Special-purpose accounts

Christmas Club Savings Account

0.10%APYClubRequirements apply

Requires automatic transfers (weekly, biweekly, or monthly contributions) from checking account. Funds become available and are deposited into primary account by October 1 each year with yearly renewal. No monthly fees or hidden charges.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceAutomatic transfer setup required; funds disbursed by October 1.Any balance	0.10%	$10	Automatic transfer setup required; funds disbursed by October 1.

Sources (1)

accentracu.org/personal/savings/share-savings.html · captured Oct 5, 2026

IRA Savings

0.10%APYIRA$20 to open

Available as Traditional and Roth IRA options. Dividends are compounded and credited quarterly. No setup fees, monthly maintenance fees, or annual maintenance fees.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceInterest/dividends compounded quarterly.Any balance	0.10%	$10	Interest/dividends compounded quarterly.

Sources (3)

All captured Oct 5, 2026

Who can join Accentra Credit Union

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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details