Personal Loans

Can You Believe?

Our holiday loan rates are as low as 7.50% APR*.
Believe in the joy of the season with up to $2,500 for 12 months to ease your end of year expenses.

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*APR = Annual Percentage Rate. Rate based on credit score, term, approved credit, and automatic payments. 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.

Financial Coaching

Our goal is to help you, our member, navigate your financial challenges by offering personalized support and guidance.

The Making Cents Financial Coaching Program is about building a relationship with you, where we listen deeply and seek to understand your financial behaviors, needs and goals.

We understand that every person's financial journey is unique, and we're here to meet you where you are, without judgement. By focusing on you, we will help you craft a personalized plan to flex your financial muscles and build lasting financial strength. We invite you to schedule an appointment with an Ascentra Financial Coach TODAY!

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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 Certificate		2% Above rate on Certificate
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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