75 Años

  1. Casa
  2. 75 Años

Durante 75 años…

 

Nos hemos permanecido fieles a nuestra misión: ayudar a quienes más lo necesitan, servir a los demás e inspirar. Las cooperativas de crédito son diferentes: le pertenecemos a nuestros miembros – A Usted. Brindamos oportunidades donde otros dicen que no.

 

Nuestra historia comenzó en 1950, cuando el crédito era un lujo al que pocos podían acceder. Comprar una casa o un automóvil era inalcanzable para muchos. Fue entonces cuando un grupo de empleados comprometidos de Alcoa Davenport Works (hoy Arconic), en Riverdale, Iowa, se reunió en una pequeña sala en un sótano y fundó lo que entonces se llamó Alcoa Employees Credit Union. Su objetivo era sencillo: apoyarse mutuamente. Estos voluntarios trabajaban horas adicionales para otorgar préstamos pequeños pero significativos—a veces para que un compañero pudiera comprar carbón para calefacción, otras para que una familia pudiera dar el pago inicial de una vivienda.

Hoy, 75 años después, Ascentra ha crecido y atiende a más de 40,000 miembros en 20 condados de Iowa e Illinois. Con nueve sucursales ubicadas en Clinton, Muscatine y las Quad Cities, hemos ampliado nuestro alcance—pero nuestro espíritu sigue siendo el mismo. Vivimos bajo el lema “Escuchando, atendiendo, y haciendo lo correcto.” No es solo un eslogan—es nuestra manera de responder a las necesidades de nuestros miembros y de la comunidad.

No solo ofrecemos servicios financieros; caminamos junto a nuestros miembros—guiándolos, educándolos y apoyándolos en cada paso del camino. Creemos en construir comunidades más fuertes, porque eso es lo que nos hace diferentes. Eso es lo que nos hace Ascentra.

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5 Reasons Credit Unions Offer the Best Auto Loans

  • jul. 19, 2021
Man being handed car keys through a window
According to Kelly Blue Book, the average cost of a new vehicle in 2021 is around $40,472 and purchasing a new or used car will likely be your second largest expenditure. Whether you desire a brand new one, or are content with finding a reliable used one, Ascentra wants to help you to get the most for your money. Here are five reasons why it makes more sense to get your loan with us. 

1. You’ll have a better chance of getting your loan approved. Even though the loan application and underwriting processes are similar, we can make adjustments a commercial bank would not. We also are more empowered to listen to your needs and situation and make adjustments to the terms of a loan to better fit your needs.

2. We have lower rates. A five-year term is the most common for a new or used car, and rates at Ascentra are typically lower than the average rate at a competitor bank. The savings in interest alone is a major reason to consider financing with us. Just think of what you can do with that money.

3. We provide personalized service. As a nonprofit organization, we provide members with high-quality customer service. You can openly discuss your concerns about your loan, talk about flexible repayment options and review your financial situation with a professional lending officer. This can alleviate some of the pressure of applying and securing financing for your vehicle and you can be confident that we are working with your best interests in mind.

4. We offer educational resources. Ascentra provides information such as financing options and how to make the best decisions when assessing the value of a vehicle purchase. If you’re a first-time car buyer and apprehensive about the loan process, you can turn to us for unbiased answers.

5. We offer a non-sales approach. Unlike commercial banks, which often give lenders bonuses or some type of compensation for the loans they get approved, credit unions do not try to sell you something you don’t need.

The bulk of our profits go back to you as the member in the form of lower rates on financial products and more flexible loan options.

For more information on our vehicle loan options and rate, visit ascentra.org.




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5 Reasons Credit Unions Offer the Best Auto Loans

  • jul. 19, 2021
Man being handed car keys through a window
According to Kelly Blue Book, the average cost of a new vehicle in 2021 is around $40,472 and purchasing a new or used car will likely be your second largest expenditure. Whether you desire a brand new one, or are content with finding a reliable used one, Ascentra wants to help you to get the most for your money. Here are five reasons why it makes more sense to get your loan with us. 

1. You’ll have a better chance of getting your loan approved. Even though the loan application and underwriting processes are similar, we can make adjustments a commercial bank would not. We also are more empowered to listen to your needs and situation and make adjustments to the terms of a loan to better fit your needs.

2. We have lower rates. A five-year term is the most common for a new or used car, and rates at Ascentra are typically lower than the average rate at a competitor bank. The savings in interest alone is a major reason to consider financing with us. Just think of what you can do with that money.

3. We provide personalized service. As a nonprofit organization, we provide members with high-quality customer service. You can openly discuss your concerns about your loan, talk about flexible repayment options and review your financial situation with a professional lending officer. This can alleviate some of the pressure of applying and securing financing for your vehicle and you can be confident that we are working with your best interests in mind.

4. We offer educational resources. Ascentra provides information such as financing options and how to make the best decisions when assessing the value of a vehicle purchase. If you’re a first-time car buyer and apprehensive about the loan process, you can turn to us for unbiased answers.

5. We offer a non-sales approach. Unlike commercial banks, which often give lenders bonuses or some type of compensation for the loans they get approved, credit unions do not try to sell you something you don’t need.

The bulk of our profits go back to you as the member in the form of lower rates on financial products and more flexible loan options.

For more information on our vehicle loan options and rate, visit ascentra.org.