Personal Loans

Text Banking

Simply turn on our text banking feature in Digital Banking under the "Settings" tab and then "Text Banking Enrollment". It will then ask you for your phone number, and that you agree to the terms, and you're good to go!
Text Banking Commands

BAL = Current Account Balances

BAL + Account Nickname = Balance For The Specified Account. Example: BAL acct1 

HIST + Account Nickname = Account History For The Specified Account. Example: HIST acct1

XFER + Account Nickname1 + Account Nickname2 Amount = Transfer The Specified Amount From Account 1 To Account 2. Example: XFER acct1 acct2 100.00

LIST = List Of Text Banking Commands

HELP = List Of Contact Points For The Credit Union

STOP = Cancel SMS Banking Service 

Message and data rates may apply.

Other Personal Loans

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 Type Term Annual Percentage Rate 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 and are subject to change without notice according to market conditions. Rates based on term and approved credit.
**For example: A 36-month term (3 year) personal loan for $3,000 at a fixed rate of 11.50% APR would result in monthly payment of $99.00. Rates listed above for signature loans are based on credit score and automatic payment.

View All Rates