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.

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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

People Helping People

  • abr. 1, 2021
Dale and Linda
Linda Andry, Interim President & CEO, Ascentra Credit Union 

As our credit union continues to mourn the loss of its beloved CEO Dale Owen, we find comfort knowing that our mission of people helping people will carry on in all aspects of serving our members and communities. Serving as Interim CEO since June of 2020, I have had the opportunity to watch our staff, management, and board of directors rise up and continue to carry on that model of serving others. As our communities and residents struggled financially during the pandemic, Ascentra was there to help. Even with stimulus monies helping offset the loss of income for families, the reality was that sometimes there wasn’t enough money to pay all of the household bills. Ascentra offered skip-a-payments, loan extensions, and low rate emergency loans to help members bridge the gap in their monthly budget.  

However, it doesn’t take a pandemic for us to offer these tools to our valued membership, we do this each and every day. The products and services made available to our members offer a wide variety of options at competitive rates. Our goal is to be your primary financial institution, your “go-to” credit union for all of your financial needs.  We want to be your financial partner for all of the seasons in life. This is why we not only offer traditional financial products such as checking, savings, loans, and mortgages, but also offer investment services through our partnership with CUNA Mutual, insurance products through our partnership with TruStage, and trust services through our partnership with First Community Trust. Look for upcoming virtual educational seminar events in this issue.

Our communities are so very important to us. Ascentra is a great community partner, volunteering our time and providing resources to organizations in need.  With local food insecurity at an all-time high, we knew that the River Bend Foodbank was in need of some additional funding.  Through an auto loan promotion which concluded at the end of 2020, and with the help of you, our members, we were able to raise $23,350 for the food bank providing 116,750 meals for local families in the Quad Cities, Clinton and Muscatine communities.  For every new auto loan our members initiated, we committed $50 to the River Bend Foodbank and gave $50 to our member.  It was a win for our member and a win for the food bank!  Thank you for helping those in need by bringing your auto loan to Ascentra!

When you partner with a financial cooperative like a credit union, you, as member-owners, are giving yourself the best opportunity for quality services at competitive rates. By being a member, you are also helping other members achieve their financial needs as well.  Ascentra’s members are the people helping people! Thank you for your membership and being part of an organization that wants to improve the financial lives of residents and improve the quality of life in the communities we serve.  

Reflecting back on my daily conversations with Dale during his illness, he told me every day how proud he was of Ascentra Credit Union, and our staff and board, as we continue to hold true to our mission of people helping people. On the day before he passed, his last words to me were “Be the Light”. Dale left us all with those words, to continue moving forward, to continue being the best credit union for our member-owners, to continue to serve in our communities, and to continue helping each other.  

As People Helping People, we will do just that, we are #AscentraStrong