Personal Loans

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Christmas Tree with gifts underneath

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.

  • Share or Certificate Secured Loan

    Have a savings balance or a certificate 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.


Rates

Mortgage

 Loan Type          TermInterest RateAPR
 Fixed Rate Mortgage* 10, 15, 20 or 30 Years   See daily rates below  





 
Loan TypeTerm Interest RateAPR
5/1 Adjustable Rate Mortgage*15, 20 or 30 Years    5.250%                       5.536%
10/1 Adjustable Rate Mortgage**15, 20 or 30 Years5.500%                5.599%

*This example considers a purchase price of $125,000, with a 20% down payment, and a loan amount of $180,000.  This does not include taxes and insurance. If taxes and insurance are included in your loan, your payment will be higher. The home loan rates and terms listed here are example only and are subject to change without notice. Other terms and conditions apply. Rates may vary due to subject property, loan characteristics, credit qualifications and other factors. Property and flood insurance may be required. Example is for purchase only. For more information contact any Ascentra Credit Union mortgage expert at 563-355-0152. 


Ascentra Great Rates

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