Credit Card
Ascentra Credit Card
With so many benefits, you'll love reading the fine print of the Ascentra Visa® Credit Card! Get the freedom to cover unexpected expenses with awesome perks and a new rewards program, CURewards!
Enjoy payment convenience through our mobile app, secure chip technology, mobile wallet compatibility and so many other features.
- No Annual Fee
- No Balance Transfer Fee*
- No Ridiculously High Rates - Rates as low as 9.88% APR** up to 17.88% APR, based on your creditworthiness.
- Low Balance Transfer Rate - 2.99% APR introductory rate for the first six months following the transfer.***
- Manage Cards - Control your card and monitor transactions
*Foreign Transaction Fee is 1% of each transaction in U.S. dollars if the transaction involves a currency conversion. 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion. ** APR = Annual Percentage Rate. ***2.99% APR is an introductory rate for the first 6 months. After that, your APR will be 9.88% to 17.88%, based on your creditworthiness.
Other Features
Instant Cash Advances: Use your card to get quick cash at more than 65,000 automated teller machines (ATMs) and banking outlets around the world - with no transaction fees.
25-Day Grace Period for purchases: Take up to 25 days to repay your balance before incurring a finance charge, providing balance is paid in full.
Ascentra Contactless Visa® Card Features
- Tap to Pay - a simple and secure way to make payments.
- CURewards - A program that pays you back for your purchases.
- Enhanced Card Controls - manage your card settings from Ascentra's Digital Banking.
- Secure Chip Technology - for added security and greater protection against fraud.
- Mobile Wallet - works with Apple Pay and Samsung Pay.

Card Management
Your Ascentra debit and credit cards help you stay in control with new and improved card management features.
- Card Details: Activate new cards online and request a new PIN.
- Enable/Disable: Temporarily turn your cards on or off.
- CURewards Points Details: View your rewards points balance and expiration date.
- Card Controls: Set spending limits, location restrictions and allowed/unallowed transactions.
- Report Lost Cards or Fraud: Report a lost or stolen card, or report fraudulent activity.
- Alerts: Receive notifications for purchases that trigger your specified spending limits, location, transaction, or merchant type.
- Travel Notifications: Inform Ascentra of upcoming travel plans to ensure uninterrupted card use.
These features are accessible through the "Manage Cards" option within Digital Banking.

Digital Wallet
Upgrade your wallet and pay using your Ascentra Visa® Debit and Credit card with your smartphone or smart watch! Digital wallets and mobile payments are used to make secure purchases at stores, online, through apps and are very handy when you misplace your wallet!
NOTE: Adding your NEW Ascentra Visa® Debit and Credit card(s) to mobile wallet is NOW available for Apple, Samsung and Google Pay!
Getting Started with Digital Banking
How to Access Digital Banking on Mobile App
The Ascentra CU Mobile App gives you fast access to your accounts – you get Ascentra Anywhere! You can enjoy the same features we offer within Digital Banking on a desktop, right from your phone!
You can even deposit checks with your smartphone.
Get the Ascentra CU Mobile App:
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Checking Accounts
Whether you’re looking for a rewards program, no service charges, or overdraft protection, we have a checking account that fits your needs.
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Ascentra Anywhere
Ascentra Anywhere allows you to do all your banking with the click of a button or tap of your finger. This includes our Mobile App, Pay Bills, Financial Tools, Digital Wallets, and Mobile Payments. It’s banking made easy, anywhere!
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Vehicle Loan
We know our members personally and grant loans accordingly. Not only can you get a loan quickly and easily, but you will also receive a team of coaches and cheerleaders dedicated to your financial well-being. With Ascentra you can borrow smart and celebrate life with a new RV, 4-wheeler, boat, motorcycle, whatever your heart desires.
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Fixed Rate Mortgage
10 & Done (10 Year Fixed)5.5View Mortgage Loans% -
Vehicle Loans
New & Used Auto as Low as5.25View Vehicle Loans% APR -
Savings
Membership Share Savings Starting at0.05View Savings Accounts% APY -
Credit Cards
No Balance Transfer Fee. 6-Mo. Intro Balance Transfer2.99View Credit Cards% APR