Accentra Credit Union

PO Box 657
Austin, MN 55912
800-533-0448
www.accentracu.org

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Accentra Credit Union is headquartered in AUSTIN and is the 31^st largest credit union in the state of Minnesota. It is also the 1,370^th largest credit union in the nation. It was established in 1930 and as of December of 2011, it had grown to 34 employees and 12,192 members. Accentra Credit Union has a 4-star health rating.

Accentra Credit Union Routing Number: 291973292

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See Rates for: Checking | Savings | Money Market | CD | IRA

Accentra Credit Union Checking Account Rates

Apy	Min	Max	Product
0.90%	$100k	-	Business Checking
0.10%	-	-	Accent III Checking Account
0.05%	-	-	Accent II Checking Account

Accentra Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$20	-	Christmas Club
0.10%	$25	-	IRA Savings Account
0.10%	$25	-	Roth IRA Savings Account
0.10%	$25	-	Coverdell Education Savings Account
0.05%	-	-	Regular Shares

Accentra Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.75%	$100k	-	Money Market Account

Accentra Credit Union CD Rates

Apy	Min	Max	Product
1.15%	$50k	-	48-59 Month Accent III CD
1.15%	$50k	-	60 Month & Greater Accent III CD
1.10%	$50k	-	36 Month Accent III Step Up CD
1.10%	$50k	-	36-47 Month Accent III CD
0.90%	$500	-	48-59 Month Accent II CD
0.90%	$500	-	60 Month & Greater Accent II CD
0.85%	$500	-	36 Month Accent II Step Up CD
0.85%	$50k	-	24-35 Month Accent III CD
0.85%	$500	-	36-47 Month Accent II CD
0.80%	$500	-	48-59 Month Accent Value CD
0.80%	$500	-	60 Month & Greater Accent Value CD
0.80%	$500	-	48-59 Month Accent I CD
0.80%	$500	-	60 Month & Greater Accent I CD
0.75%	$500	-	36 Month Accent Value Step Up CD
0.75%	$500	-	36-47 Month Accent Value CD
0.75%	$500	-	36 Month Accent I Step Up CD
0.75%	$500	-	36-47 Month Accent I CD
0.70%	$50k	-	12-23 Month Accent III CD
0.60%	$500	-	24-35 Month Accent II CD
0.50%	$500	-	7 Month CD Special
0.50%	$500	-	24-35 Month Accent Value CD
0.50%	$500	-	24-35 Month Accent I CD
0.50%	$500	-	6-11 Month Accent III CD
0.45%	$500	-	12-23 Month Accent II CD
0.35%	$500	-	12-23 Month Accent Value CD
0.35%	$500	-	12-23 Month Accent I CD
0.35%	$500	-	6-11 Month Accent II CD
0.35%	$500	-	3-5 Month Accent III CD
0.34%	$500	-	18 Month Adjustable Rate CD
0.25%	$500	-	6-11 Month Accent Value CD
0.25%	$500	-	6-11 Month Accent I CD
0.20%	$500	-	3-5 Month Accent II CD
0.10%	$500	-	3-5 Month Accent Value CD
0.10%	$500	-	3-5 Month Accent I CD

Accentra Credit Union IRA Rates

Apy	Min	Max	Product
1.15%	$50k	-	48-59 Month Accent III IRA
1.15%	$50k	-	60 Month & Greater Accent III IRA
1.15%	$50k	-	48-59 Month Accent III Roth IRA
1.15%	$50k	-	60 Month & Greater Accent III Roth IRA
1.15%	$50k	-	48-59 Month Accent III Coverdell ESA
1.15%	$50k	-	60 Month & Greater Accent III Coverdell ESA
1.10%	$50k	-	36 Month Accent III Step Up IRA
1.10%	$50k	-	36-47 Month Accent III IRA
1.10%	$50k	-	36 Month Accent III Step Up Roth IRA
1.10%	$50k	-	36-47 Month Accent III Roth IRA
1.10%	$50k	-	36 Month Accent III Step Up Coverdell ESA
1.10%	$50k	-	36-47 Month Accent III Coverdell ESA
0.90%	$500	-	48-59 Month Accent II IRA
0.90%	$500	-	60 Month & Greater Accent II IRA
0.90%	$500	-	48-59 Month Accent II Roth IRA
0.90%	$500	-	60 Month & Greater Accent II Roth IRA
0.90%	$500	-	48-59 Month Accent II Coverdell ESA
0.90%	$500	-	60 Month & Greater Accent II Coverdell ESA
0.85%	$50k	-	24-35 Month Accent III IRA
0.85%	$500	-	36 Month Accent II Step Up IRA
0.85%	$500	-	36-47 Month Accent II IRA
0.85%	$50k	-	24-35 Month Accent III Roth IRA
0.85%	$500	-	36 Month Accent II Step Up Roth IRA
0.85%	$500	-	36-47 Month Accent II Roth IRA
0.85%	$50k	-	24-35 Month Accent III Coverdell ESA
0.85%	$500	-	36 Month Accent II Step Up Coverdell ESA
0.85%	$500	-	36-47 Month Accent II Coverdell ESA
0.80%	$500	-	48-59 Month Accent I IRA
0.80%	$500	-	48-59 Month Accent Value IRA
0.80%	$500	-	60 Month & Greater Accent I IRA
0.80%	$500	-	60 Month & Greater Accent Value IRA
0.80%	$500	-	48-59 Month Accent I Roth IRA
0.80%	$500	-	48-59 Month Accent Value Roth IRA
0.80%	$500	-	60 Month & Greater Accent I Roth IRA
0.80%	$500	-	60 Month & Greater Accent Value Roth IRA
0.80%	$500	-	48-59 Month Accent I Coverdell ESA
0.80%	$500	-	48-59 Month Accent Value Coverdell ESA
0.80%	$500	-	60 Month & Greater Accent I Coverdell ESA
0.80%	$500	-	60 Month & Greater Accent Value Coverdell ESA
0.75%	$500	-	36 Month Accent I Step Up IRA
0.75%	$500	-	36 Month Accent Value Step Up IRA
0.75%	$500	-	36-47 Month Accent I IRA
0.75%	$500	-	36-47 Month Accent Value IRA
0.75%	$500	-	36 Month Accent I Step Up Roth IRA
0.75%	$500	-	36 Month Accent Value Step Up Roth IRA
0.75%	$500	-	36-47 Month Accent I Roth IRA
0.75%	$500	-	36-47 Month Accent Value Roth IRA
0.75%	$500	-	36 Month Accent I Step Up Coverdell ESA
0.75%	$500	-	36 Month Accent Value Step Up Coverdell ESA
0.75%	$500	-	36-47 Month Accent I Coverdell ESA
0.75%	$500	-	36-47 Month Accent Value Coverdell ESA
0.70%	$50k	-	12-23 Month Accent III IRA
0.70%	$50k	-	12-23 Month Accent III Roth IRA
0.70%	$50k	-	12-23 Month Accent III Coverdell ESA
0.60%	$500	-	24-35 Month Accent II IRA
0.60%	$500	-	24-35 Month Accent II Roth IRA
0.60%	$500	-	24-35 Month Accent II Coverdell ESA
0.50%	$500	-	6-11 Month Accent III IRA
0.50%	$500	-	7 Month IRA Special
0.50%	$500	-	24-35 Month Accent I IRA
0.50%	$500	-	24-35 Month Accent Value IRA
0.50%	$500	-	6-11 Month Accent III Roth IRA
0.50%	$500	-	7 Month Roth IRA Special
0.50%	$500	-	24-35 Month Accent I Roth IRA
0.50%	$500	-	24-35 Month Accent Value Roth IRA
0.50%	$500	-	6-11 Month Accent III Coverdell ESA
0.50%	$500	-	7 Month Coverdell ESA Special
0.50%	$500	-	24-35 Month Accent I Coverdell ESA
0.50%	$500	-	24-35 Month Accent Value Coverdell ESA
0.45%	$500	-	12-23 Month Accent II IRA
0.45%	$500	-	12-23 Month Accent II Roth IRA
0.45%	$500	-	12-23 Month Accent II Coverdell ESA
0.35%	$500	-	3-5 Month Accent III IRA
0.35%	$500	-	6-11 Month Accent II IRA
0.35%	$500	-	12-23 Month Accent I IRA
0.35%	$500	-	12-23 Month Accent Value IRA
0.35%	$500	-	3-5 Month Accent III Roth IRA
0.35%	$500	-	6-11 Month Accent II Roth IRA
0.35%	$500	-	12-23 Month Accent I Roth IRA
0.35%	$500	-	12-23 Month Accent Value Roth IRA
0.35%	$500	-	3-5 Month Accent III Coverdell ESA
0.35%	$500	-	6-11 Month Accent II Coverdell ESA
0.35%	$500	-	12-23 Month Accent I Coverdell ESA
0.35%	$500	-	12-23 Month Accent Value Coverdell ESA
0.34%	$500	-	18 Month Adjustable Rate IRA
0.34%	$500	-	18 Month Adjustable Rate Roth IRA
0.34%	$500	-	18 Month Adjustable Rate Coverdell ESA
0.25%	$500	-	6-11 Month Accent I IRA
0.25%	$500	-	6-11 Month Accent Value IRA
0.25%	$500	-	6-11 Month Accent I Roth IRA
0.25%	$500	-	6-11 Month Accent Value Roth IRA
0.25%	$500	-	6-11 Month Accent I Coverdell ESA
0.25%	$500	-	6-11 Month Accent Value Coverdell ESA
0.20%	$500	-	3-5 Month Accent II IRA
0.20%	$500	-	3-5 Month Accent II Roth IRA
0.20%	$500	-	3-5 Month Accent II Coverdell ESA
0.10%	$500	-	3-5 Month Accent I IRA
0.10%	$500	-	3-5 Month Accent Value IRA
0.10%	$500	-	3-5 Month Accent I Roth IRA
0.10%	$500	-	3-5 Month Accent Value Roth IRA
0.10%	$500	-	3-5 Month Accent I Coverdell ESA
0.10%	$500	-	3-5 Month Accent Value Coverdell ESA

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

ACCENTRA
NCUA #	60798
BankRate Report	View
Year Chartered	1930
Employees	34
Primary Regulator
Assets and Liabilities
Assets	$106.63 million
Loans	$72.21 million
Deposits	$95.71 million
Equity Capital	$9.26 million
Loan Loss Allowance	$600,000
Unbacked Noncurrent Loans	$1.12 million
Historic Data - December 2010
Assets	$104.04 million
Equity Capital	$9.30 million
Loan Loss Allowance	$575,000
Unbacked Noncurrent Loans	$1.16 million
Real Estate Owned	$129,000
Profit Margin - Quarterly
Net Interest Margin	5.2%
Return on Assets	0.07%
Return on Equity	0.76%
Interest Income	$4.29 million
Non-Interest Income	$1.21 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Accentra Credit Union had $1.12 million in non-current loans and owned real-estate with $9.86 million in equity and loan loss allowances on hand to cover it. This gives Accentra Credit Union a Texas Ratio of 11.30% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Accentra Credit Union held steady from 13.04% as of December 31, 2010 to 11.30% as of December 31, 2011, resulting in a positive change of 13.32%.This indicates that the balance sheet and financial strength for Accentra Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Accentra Credit Union has increased its total deposits by $2.48 million, resulting in 2.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Accentra Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Accentra Credit Union has $106.62 million in assets with $9.86 million in equity, resulting in a capitalization level of 9.25%, which is average.

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