Lending Services

Personal Loans

Several loan options are available to help you consolidate your bills into one low monthly payment. The options include:
- Home Equity Loan - This loan uses the equity in your home and the loan interest may be tax deductible. This is a line of credit loan, with a low variable interest rate.
- Homeowner Loan - This second mortgage loan also uses the equity in your home. However it has a fixed interest rate with fixed terms ranging from three to ten years. Loan interest may be tax deductible.
- Visa® Credit Card - With no annual fee, 25-day grace period, and a low interest rate, you can consolidate your other credit card balances and conveniently pay them off. This can save you the hassle of writing out several payments each month, and the interest rate may be much lower than you are paying now.
- Personal Loan - You can secure your loan with collateral to lower your loan rate; or just your signature may do, depending on your credit history.
Loan payments may be conveniently made through Payroll Deduction or Automatic Transfer from your Ascentra Credit Union share draft checking or savings account.
Loan payment protection is available with any of these options.
Loan rate may vary and is based on term and approved credit.
To apply for these loans, use the Loan Application; call our offices at (563) 355-0152 or (800) 426-5241, Ext. 1; or stop by any of our offices in Bettendorf, Clinton, Davenport, LeClaire, Moline or Muscatine.
Ascentra Credit Union is an Equal Housing Lender.

With a fixed-interest-rate loan you can purchase an item and partially secure it with collateral.
This is a fixed-interest-rate, fixed-term loan. The term is determined by the collateral used as security.
Loan payments may be conveniently made through Payroll Deduction or Automatic Transfer from your Ascentra Credit Union share draft checking or savings account.
Loan payment protection is available.
To apply for a loan, use the Loan Application; call our offices at (563) 355-0152 or (800) 426-5241, Ext. 1; or stop by any of our offices in Bettendorf, Clinton, Davenport, LeClaire, Moline or Muscatine.

No collateral is required. Receive this loan based on your creditworthiness and signature.
You have the option of making it a closed-end loan at a fixed interest rate for up to 48 months, or you can choose an open-end line of credit.
The line of credit gives you revolving credit to conveniently get cash advances without having to update your loan application.
The closed-end loan has a fixed interest rate, and the line of credit has a variable interest rate.
Open-end line of credit loans are available from $500.
Loan payments may be conveniently made through Payroll Deduction or Automatic Transfer from your Ascentra Credit Union share draft checking or savings account.
Loan payment protection is available.
Loan rate may vary and is based on term and approved credit.
To apply for a loan, use the Loan Application; call our offices at (563) 355-0152 or (800) 426-5241, Ext. 1; or stop by any of our offices in Bettendorf, Clinton, Davenport, LeClaire, Moline or Muscatine.

Available annually in October-through December 31st.
Low interest rate based on credit approval.
Up to $2,500 for 12 months.
Loan payments may be conveniently made through Payroll Deduction or Automatic Transfer from your Ascentra Credit Union share draft checking or savings account.
Loan payment protection is available.
To apply for a loan, use the Loan Application; call our offices at (563) 355-0152 or (800) 426-5241, Ext. 1; or stop by any of our offices in Bettendorf, Clinton, Davenport, LeClaire, Moline or Muscatine.

This is a low interest loan because you secure it 100% by funds in your savings account or certificates of deposit.
By borrowing against your savings, you'll save money because the loan interest rate will be the lowest offered by the credit union.
Your savings will also continue to earn interest over the term of the loan.
You can borrow up to 36 months on this type of loan.
This is an excellent way to establish your credit history.
Loan payments may be conveniently made through Payroll Deduction or Automatic Transfer from your Ascentra Credit Union share draft checking or savings account.
Loan payment protection is available.
Loan rate may vary and is based on term and approved credit.
To apply for a loan, use the Loan Application; call our offices at (563) 355-0152 or (800) 426-5241, Ext. 1; or stop by any of our offices in Bettendorf, Clinton, Davenport, LeClaire, Moline or Muscatine.

Click here for our Student Loan Flyer.