Accentra Credit Union Austin MN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Accentra Credit Union, your trusted financial partner located at 400 4th Ave NE, Austin, MN 55912. Established in 1930, we have proudly served our community for over nine decades, building a reputation of trust and reliability. With a total membership of 16,762 and assets exceeding $196 million, we are committed to providing personalized banking solutions tailored to meet your needs. At Accentra, we understand that financial decisions can be overwhelming. That's why we offer a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking options. Our experienced team is here to support you every step of the way. Under the leadership of our CEO, Paul Knorr, and Board President, Gordon Kuehne, we strive to foster a welcoming environment where members feel valued. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 657, Austin, MN 55912. With total loans amounting to 10,338 and deposits reaching $3,030,573, we pride ourselves on being financially sound with a net worth of $20,208,826. We also maintain strong liquidity with over $2.7 million in cash on hand. As part of our commitment to the community, we encourage you to reach out with any questions or visit us during our lobby hours from 7:30 AM to 5:30 PM Monday through Friday. Call us today at 507-433-1829 or explore more about what we offer by visiting our website at accentracu.org. Your financial journey starts here!

Branch History & Mission

Welcome to Accentra, where our journey began in 1930 right here in Austin, MN. Since our doors first opened, we have been dedicated to serving our community and helping our members achieve their financial goals. Over the years, we have grown tremendously, now proudly supporting a total membership of over 16,762 individuals and families. Our commitment to providing excellent financial services has allowed us to accumulate total assets of $196,305,874, which reflects the trust our members place in us. You can find us at 400 4th Ave NE, a location that is easily accessible for everyone in Austin. If you need to send us official correspondence, please address it to PO Box 657, Austin, MN 55912. As we continue to evolve, we remain focused on creating a welcoming environment that fosters growth and support for all our members. At Accentra, our mission is clear: to provide personalized financial services while making a positive impact in the communities we serve. We strive not only to help you manage your money but also to support local initiatives and partnerships that enrich lives. Whether it's offering auto loans and mortgages or facilitating business banking solutions, we are here to empower you every step of the way. In today's world, we understand the importance of digital accessibility. That's why we've embraced technology with features like online banking and mobile payments, ensuring that your banking experience is convenient and secure. We also prioritize ADA compliance so that all members can access our services without barriers. While we do not currently offer ATM or drive-thru services at this branch location, our team is always ready to assist you during lobby hours from 7:30 AM to 5:30 PM on weekdays. Our friendly staff is committed to providing top-notch customer service because we believe that banking should be about more than just transactions; it should be about building relationships. We invite you to join the Accentra family and experience firsthand the benefits of membership. Be part of a community-focused credit union that truly cares about your financial well-being. Visit us today or explore more about what makes us unique at Accentra Credit Union. Together, let's build a brighter financial future!

Branch Location & Accessibility

Additional Amenities

While we do not have an ATM on-site or drive-thru service, our friendly staff is always available to help with any transactions you may need during your visit. If you prefer to reach us by phone, feel free to call us at 507-433-1829 for assistance or inquiries. If you need to send official correspondence, please note that our mailing address is PO Box 657, Austin, MN 55912.

Call to Action

At Accentra Credit Union, we value every member of our community. We invite you to stop by today and discover how we can help you achieve your financial goals. Your journey towards better banking starts here!

Nearby Landmarks and Accessibility

Our branch is situated near several local landmarks, making it easy to find. Just a short stroll from beautiful parks and community centers, you can enjoy a quick visit while running errands or taking care of other tasks in the area. We also prioritize accessibility; our facility is equipped with ADA-compliant features including ramps and parking spaces designed for easy access.

Operating Hours and Services

We're here for you Monday through Friday from 7:30 AM to 5:30 PM. Our dedicated team is ready to assist you with a range of services including checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and much more. We also offer online and mobile banking options so that you can manage your finances conveniently from anywhere.

Member Eligibility

Becoming a member of Accentra is more than just opening an account; it's about joining a community that truly cares. Located at 400 4Th Ave Ne Austin Mn 55912, we welcome individuals who live, work, or worship in our area, as well as their family members. This means if you have a connection to our vibrant community, you're likely eligible to join us! Our membership offers fantastic benefits, including competitive rates on loans and savings accounts, personalized service, and access to convenient banking options. To learn more about the specific eligibility criteria, feel free to visit our detailed page at https://www.accentracu.org/about-accentra/about-us/the-value-of-membership.html. If you're ready to take the next step or have questions, don't hesitate to reach out to us at (507) 433-1829. We look forward to welcoming you into the Accentra family!

Business Banking & Commercial Services

At Accentra, we understand the pulse of local businesses. Whether you're a startup or an established company, our business banking and commercial services are designed to fuel your growth. Imagine securing the funding you need to purchase new equipment, expand your operations, or even hire more staff. That's where our commercial loan options come into play. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $26 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $2,854,277, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we offer merchant services that streamline your payment processes. Picture a busy day at your store where customers can easily pay with their cards while you manage inventory seamlessly. Our merchant solutions help you focus on what truly matters growing your business. Visit us at 400 4Th Ave Ne Austin Mn 55912 in Austin, MN, or call us at (507) 433-1829 to explore how we can partner together for success!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive business banking services, including merchant services and business loans. If you're an entrepreneur looking to expand or start a new venture, we're here to support you with the right financial tools.

Credit Cards with Rewards

For those who love rewards, our credit cards come with exciting benefits designed to suit your spending habits. Imagine earning points for every purchase points that can be redeemed for travel, merchandise, or cash back.

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. That's why we've invested in robust online and mobile banking features. With online banking, you can check balances, transfer funds, and pay bills from the comfort of your home or on-the-go using our mobile app. Plus, enjoy secure access through person-to-person payment options. At Accentra, we also recognize the importance of ATM access for cash withdrawals when needed; however, please note that there are no ATMs available at our branch currently. We invite you to discover how these services can benefit you directly by visiting us at 400 4Th Ave Ne Austin Mn 55912 or giving us a call at (507) 433-1829. Our friendly team is ready to assist you with any questions or concerns you may have about becoming part of the Accentra Credit Union family. Your financial journey starts here! Visit us today or check out our website at https://www.accentracu.org/ for more information on all our offerings!

Home Financing

If owning a home is on your horizon, our mortgage loans and refinancing options can help turn that dream into reality. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we provide personalized guidance throughout the process.

Personal Banking Solutions

Our personal banking services are tailored to fit your lifestyle. With options like checking and savings accounts, you can easily manage your day-to-day finances. Imagine having a checking account that not only simplifies your transactions but also helps you save with competitive interest rates on savings accounts. We aim to make banking easier for you. When it comes to financing your vehicle, look no further than our auto loans and vehicle financing options. We offer flexible terms and competitive rates that can fit any budget. Picture driving off in your dream car without the financial stress our auto loans can make that happen.

Personal Loans & Debt Management

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions. Our goal is to assist you in managing your finances effectively so that you can focus on what truly matters in life.

Digital & Online Banking

Accessibility and Support

At Accentra, we're committed to providing accessible services tailored for our members' needs. If you have questions or need assistance navigating our digital banking tools, our friendly support team is just a phone call away at (507) 433-1829. With all these options at your fingertips, managing your finances has never been easier. Join us at Accentra today and experience the future of banking!

Key Features

In addition to online banking, we offer electronic signature authorization, making it easier than ever to sign documents securely and quickly. No more printing or mailing; everything is handled electronically for your convenience. Plus, our e-statements give you instant access to your account statements without the clutter of paper just another way we help simplify your banking experience. For those who prefer mobile banking, our mobile application is available and packed with features that allow you to manage your accounts right from your smartphone. You can make person-to-person transfers with ease, ensuring that sending money to friends or family is hassle-free. And with our mobile payments feature, paying for purchases is quick and secure just tap and go!

Financial Strength

Growing Together

Total Share Accounts stand at 31,989, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $4,776,066, demonstrating our commitment to making your money work harder for you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Accentra is your trusted partner. Visit us at 400 4Th Ave Ne Austin Mn 55912 or call (507) 433-1829 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $19,109,348 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We also support your financial goals with $4,024 in used auto loans and $141,913,882 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $41,829,532 in share certificates and $21,073,255 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $940,973 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 36 full-time employees and 8 part-time employees who are dedicated to serving you with knowledge and care.

Solid Financial Foundations

With a net worth of $20,208,826, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,029 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $55,235,752 in used vehicle loans and $13,708,183 in new vehicle loans already helping members get on the road. Whether you are looking for financing for a brand-new vehicle or a reliable used car, our competitive rates and flexible terms make it easier than ever to drive off with the vehicle you need.

Business Financing

For business owners, our outstanding commercial loans totaling $2,854,277 provide the capital needed to grow and expand. We understand that running a business comes with unique challenges and opportunities; that's why we offer customized lending solutions tailored specifically for your business needs. If you're interested in any of our loan products or want to learn more about eligibility options and refinancing opportunities, feel free to reach out to us at 507-433-1829. We're located at 400 4Th Ave Ne Austin Mn 55912, and our team is ready to assist you during our lobby hours from 7:30 AM to 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Accentra be your partner in achieving financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,649,554, make buying or refinancing simple. We work closely with our members to find the right mortgage solution that fits your budget and lifestyle. Plus, if you're considering refinancing your existing mortgage, we have options available to help you lower your monthly payments or tap into your home's equity.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,983,428 in loans helping members manage their finances effectively. Our credit cards come with various rewards programs tailored to fit your spending habits while providing peace of mind with no collateral required.

Loan Aggregator

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Accentra