PRÉSTAMOS PERSONALES

Firmando papeles.

Líneas de Crédito, Préstamos Personales y de Consolidación

En definitiva, se trata de hacer lo que mejor se adapta a su situación – y, muy importante, cómo puede ahorrarle una cantidad considerable de dinero. Ya sea para consolidar deuda de tarjetas de crédito con altos intereses, o para gastos médicos o para tomarse esas vacaciones que tanto necesita, tenemos el préstamo que más le conviene.

 

Socios de Ascentra

 

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No Socio de Ascentra

 

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Línea de Crédito No Garantizada

Una línea de crédito es como tener una tarjeta de crédito sin la tarjeta. Tiene acceso a un límite de crédito prefijado cuando lo necesita, sin necesidad de solicitar un préstamo. Necesita dinero – ¡transferencias sin cargo!  

 

  • El crédito es rotativo (disponible), permitiéndole obtener adelantos en efectivo sin tener que actualizar su solicitud de préstamo.
  • Se puede establecer como forma de protección de sobregiro, con transferencias en incrementos de $100.
  • Haga transferencias, pagos, y maneje su línea de crédito a través del Acceso a Cuenta por Internet o nuestra aplicación móvil. 
  • Préstamo con Garantía Sobre Saldo en Cuenta de Ahorros o Certificado de Depósito

    ¿Tiene un saldo en cuenta de ahorros o un certificado de depósito que prefiere no tocar? Genial – ¡garantía inmediata! Úselo para garantizar un préstamo para usted o un familiar. 

    Pague solo 3% APR por encima de la tasa en su cuenta de ahorro o 2% APR por encima de su Certificado de Deposito (CD).

  • Préstamo Para Establecer o Reestablecer su Credito (Credit Builder)

    En Ascentra sabemos que para empezar hace falta un punto de partida; por eso ofrecemos un Préstamo Credit Builder. Establezca o repare su crédito con un Préstamo Credit Builder de $500, que le ayuda a mejorar su puntaje de crédito y obtener tasas de interés más convenientes en préstamos futuros. 

    ¿Necesita ayuda para mejorar su puntaje de crédito? Nuestros Asesores Financieros Certificados están aquí para asistirlo. 
  • Préstamos Personales / A Sola Firma

    Éste es un préstamo sin garantía, con tasa de interés fija y un período de repago preestablecido. Es ideal si usted no tiene garantía.

 

Todas las Tasas de Interés

Has the Stock Market Rally Left You Behind?

  • ene. 4, 2021
ACU-Headshot-BowieProvided by CUNA Financial Advisor, Brooke Martin

Some people in recent weeks may have been feeling that “the stock market seems to be doing so well but I’m not participating.”

A look behind the headlines helps tell the story.

A CNBC study found that between the stock market high on Feb. 19, 2020—and the new market high on Aug. 18, 2020—only 38 percent of stocks in the Standard & Poor’s 500 (S&P 500) index posted gains. By contrast, 62 percent showed losses.1

The best performing sectors during the six-month period were consumer staples, health care, and information technology. If your portfolio was overweight in these groups, you may have outperformed.

Meanwhile, financials, energy, and utilities lagged behind.1

Each year, some companies are big winners in the stock market and some can’t keep pace with the popular index. This year is no different.

However, we often don’t see such a wide divergence by the market averages. For example, the Nasdaq composite gained 26 percent through Aug. 21, 2020. That compares with an increase of roughly 5 percent for the S&P 500 and a slight loss for the Dow Jones Industrials.2

Investors need to understand that it’s not about how the stock market performs. It’s about whether you are pursuing your financial goals based on your time horizon and risk tolerance. How the stock market moves from week-to-week, or month-to-month, should be of some interest but perhaps not an overriding concern.

If you want to revisit your goals, please give our office a call. Or, if you're second-guessing some of your goals, let us know what’s on your mind. We’re here to help you pursue financial success.

Brooke Martin may be reached at (563) 459-6923 or brooke.martin@cunamutual.com

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members.

Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.  

Citations
1. CNBC.com, August 22, 2020
2. MarketWatch.com, August 21, 2020