Personal Loans

Signing paperwork

Lines of Credit, Consolidation, Personal Loans

It really comes down to what makes the most sense for your situation - most importantly, how it can save you some serious cash! Whether consolidating high interest credit card debt, paying medical bills or maybe you just want to take a much-needed vacation, we can find the best loan for you.


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*APR = Annual Percentage Rate. Rate based on credit approval. Available through December 31, 2023. Federally insured by the NCUA.

Unsecured Line of Credit

A line of credit is like having a credit card without the card. You have access to a set credit limit when you need it, without a need to apply for a loan. Need money? No transfer fees ever! Forever-ever? Forever-ever!  


  • Gives you revolving credit so you can conveniently get cash advances without having to update your loan application.
  • Can be set up as a form of overdraft protection with transfers in $100 increments.
  • Make transfers, payments, and manage your line of credit through Digital Banking or our mobile app.
  • Share or CD Secured Loan

    Have a savings balance or a certificate of deposit that you would rather not touch? Sweet - instant collateral! Use it to secure a loan for you or a family member.
  • Credit Builder Loan

    At Ascentra we know we all have to start somewhere, which is why we offer a Credit Builder Loan. Establish or build up your credit with a $500 Credit Builder Loan, which helps to improve your credit score, and can help you get better interest rates on future loans. 

    Do you need help building your credit score? We have Certified Financial Coaches that are here to help. 
  • Personal/Signature Loan

    This is an unsecured, fixed rate loan with a set repayment period and is perfect if you don’t have collateral.


Personal Loans


Loan TypeTermAnnual Percentage Rate (APR*) as low as
Share-Secured Loans Secured with Savings
3% Above rate on deposit account
Share-Secured Loans with CD 2% Above rate on CD
Unsecured Line of Credit 13.50% APR Variable
Visa Credit Card** 9.88%-17.88% APR based on creditworthiness 
Signature loans - No collateral required*** 11.50% APR (Rate is based on credit score and automatic payment)

The rates listed are standard rates for signature loans and are subject to change without notice according to market conditions. Rates are based on credit score, term, approved credit, and automatic payments. Maximum rate, at this time, is 21.00% and available terms of the loan are 6 – 48 months.  *APR = Annual Percentage Rate. Rate based on credit approval. Available through December 31, 2023.  **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.***For example: a 36-month term (3 year) signature loan for $3,000 at a fixed rate of 11.50% APR would result in a monthly payment of $99.00  A monthly payment of $99.00 for 35 months would result in $3,564 being paid over the term of the loan.  Therefore, the cost of the loan is $564, as relevant to this example.


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