Visa® Credit Cards

Need a little skip-in-your-step on your road to financial freedom? Whether you’re looking to lower your higher interest rate payments, build your credit or just want the additional security of having a credit card – we’ve got you covered. We can help you spring forward with a low balance transfer rate. Our team of financial coaches will put you on the road to success. 

Our Visa® Credit Card offers the freedom to cover an expense that wasn’t planned for. Enjoy our payment convenience along with many other features.
  • Transfer your balances from credit cards at other financial institutions and receive the low 2.99% APR* introductory rate for the first six months following the transfer. After that, your APR will be 9.88% to 17.88%, based on your creditworthiness
  • No Annual Fee - saving you money
  • 25-Day Grace Period for Purchases - take up to 25 days to repay your balance before incurring a finance charge, providing balance is paid in full
  • No Transaction Fee - get cash whenever you need it. Your Ascentra Visa® doesn't charge extra fees for cash advances (unlike some other card issuers - not mentioning any names). And there's never an extra fee for making purchases with your card
  • Instant Cash Advances - use your card to get quick cash at more than 65,000 automated teller machines (ATMs) and banking outlets around the world - with no transaction fees
  • Easy Payment Plan - for maximum convenience, you can make your credit card payments through Online Account Access or even MyMobile. If you are a member and currently do not have Online Account Access, you may enroll now!
*2.99% APR is an introductory rate for the first 6 months. After that, your APR will be 9.88% to 17.88%, based on your creditworthiness.


To apply for a Visa® Credit Card:

Members with Online Account Access 

You can apply within Online Account Access. By letting the online application pre-fill with all the information we already have on file, you can apply in a jiffy! 
  1. Log in to Online Account Access and complete the application by going to the "Application Center" tab and then clicking on the "Apply for a Loan". 
  2. After submitting your application you will be contacted by an Account Officer within one business day (often the same day) to complete the necessary paperwork.


Members without Online Account Access
If you are a member and currently do not have Online Account Access - you totally should! 

Click here to enroll in Online Account Access and then apply for a loan through our "Application Center". Simply follow steps 1 and 2 listed above. 

Not a member yet?
But want to be? We don't blame you! Apply now through our Application Center. When you register through our highly secure Application Center you can:

  • Apply for a new loan
  • Track a loan in process
  • Interact with our loan staff
  • View documents

If applying online is not your thing, call us at (563) 355-0152 or (800) 426-5241, Ext. 1 or stop in to any of our convenient locations as we would love to see you!

Check out our awesome rates