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Accentra

PO BOX 657, Austin, MN 55912
NCUA Insured3.6 (44 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1930

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 657

Austin, MN 55912

Service Area

This credit union is located in Austin and serves members in the MN area. Currently serving 17,039 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.49%

Used Auto Loan

4.99%

Personal Loan

11.40%

Credit Card APR

15.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MN

Lowest rates currently reported by credit unions in MN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

3.6

44 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Anthony Welty

Anthony Welty

9 months ago

I contacted the Austin branch today and was informed that a new system has been implemented, and the mobile app is currently unavailable because it has not yet been approved by Google. I find it concerning that a major system update was deployed without ensuring that the mobile app would be fully functional and approved on the platform prior to rollout. Additionally, I learned that the new system no longer allows external bank-to-bank transfers. When I asked an agent online how to make a payment using an external account, I was informed that this option is no longer supported. As a result, I had to visit the branch in person to make my payment. It appears that there was a lack of consideration regarding customer-facing functionality when transitioning to the new system. Comparing the capabilities of the old and new platforms should have been a fundamental part of the implementation process. Attention to detail in these areas is critical, especially when it directly affects customers’ ability to manage their finances efficiently.

Mike M

Mike M

10 months ago

Horrible hours not open on weekends. If you have any problems with your card/account outside of business hours, you are absolutely screwed. They have no 24 hour customer service like every other bank

Dustin Meyer

Dustin Meyer

11 months ago

TERRIBLE!! AWEFUL!! NO GOOD!!! 6 years after leaving Accentra C U they are still reporting an open account to the credit agencies (Trans union, Equifax, Experion) They are reporting a zero balance but over 90 days late for over 72 months, (when I caught it). When contacted about it, they said "oops our bad, here is a letter, let us know if there is anything else we can do" When more info was needed (an account number attached to the letter of good standing) Jordan goes silent for days at a time, and still with no response. Lyndsey, although polite and helpful, is conveniently on vacation and out of office after delegating this task off to someone who is clearly incompetent of handling such a task and seemingly incapable of even responding to let me know of when it can be handled. To my knowledge, Inaccurate reporting ones Credit is a federal crime, so I would think they would move mountains to get this taken care of. Poor customer service at best, indifferent attitude and zero effs given. I am glad they don't handle my money anymore!! UPDATE: Since I posted this was promptly contacted by Lyndsey, the president of Accentra. She offered a sincere apology and not only emailed me, but called me to talk about what she could do to help. I felt like she really listened to me and gave me the exact documentation needed to satisfy the creditors. Looking back at my time with them, I mean actually banking with them my experience was always pleasant. I found the staff helpful and my wife at the time really liked the website. LOL, our banking info lasted longer than my marriage. In all seriousness, I was left pretty satisfied with the assistance provided. I was irritated the day I posted this review, I don't necessarily feel the same way I did when I originally posted it. The facts remain but my feelings have definitely changed.

Ethen Belden

Ethen Belden

a year ago

Unable to authorize payment for stuff I’m trying to purchase. Fraud side tells to contact the Accentra but it’s Friday after 5pm I will be unable to get I contact with someone to authorize a payment until Monday now. I’m sure other banking institutions will be able to authorize the payment within minutes. Had enough after dealing with horrible customer service. No place to contact anyone outside business hours. Already got a new banking institution and will be getting away from this place Monday morning.

Crystal Peterson

Crystal Peterson

a year ago

I have been a member of Accentra for 18 years. They have been amazing. I even moved out of state for a few years and kept my loan and continued paying on it. They were able to assist me in refinancing over the phone since I was so far away. I have had MULTIPLE loans with them and have never had an issue. Accentra is truly the best. I recommend to everyone looking for a place to keep your money, do it at Accentra!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).