Personal Loans
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.
*APR = Annual Percentage Rate. Rate based on credit approval. 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.
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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.
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Personal/Signature Loan
This is an unsecured, fixed rate loan with a set repayment period and is perfect if you don’t have collateral.
Rates
Personal Loans
Loan Type | Term | Annual 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.
**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 36 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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Credit Card
No hidden fees. No surprises. No hassle. With the Ascentra Credit Card, what you see is what you get, which includes no annual fee, no balance transfer fee, AND low rates. We call that a win!
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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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Ascentra Mobile App
Today’s world requires being able to manage your accounts on the go. Ascentra’s Mobile app gives you that and more by providing a simple way to apply for a loan or credit card from wherever you are, whenever you need to.
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Fixed Rate Mortgage
10 & Done (10 Year Fixed)6.125View Mortgage Loans% -
Vehicle Loans
New & Used Auto as Low as5.75View 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