Privacy & Security
Ascentra Credit Union's Online Privacy and Security Policy
Ascentra Credit Union recognizes the importance of protecting the privacy of personal information about our members and it is our goal to protect that information in every way we interact with you, whether it be in a branch, at one of our ATMs, on the telephone, or online through the Internet.
We limit the collection and use of member information that we require to deliver quality member service, which includes advising you about our products and services, and to help us respond to your questions and applications, as well as provide account information you may request.
When you visit our website you can read about our products, services, and our corporate information all without providing any information about yourself. Our website may contain links to other websites. Ascentra Credit Union is not responsible for the privacy practices or the content of the linked websites.
When you utilize Ascentra Credit Union's Online Account Access or access our website, we and our business partners who help us deliver these services will have access to your personal information. We do not sell any such information to any third party. We will maintain any information provided, as well as your business transactions, according to our usual security and confidentiality standards.
To enhance the personalization and performance of a member's experience, Ascentra Credit Union's Online Account Access utilizes cookies (very small files that a website sends to the member's browser for record-keeping purposes). Cookies function as identification cards, recording passwords and preferences. Cookies cannot be executed as code or deliver viruses.
Browsers can be set to deliver a message when a cookie has been sent, allowing the customer to decide whether to accept or reject it. In order for you to use Ascentra Credit Union's Online Account Access, all cookies must be accepted. All of our cookies are temporary, which means that they are active only as long as the member's browser is running and are deleted when the session has ended.
Please be advised that we may disclose information on your accounts or information contained in member files, provided to the credit union through our website, to credit bureaus or agencies who have a legitimate purpose for obtaining the information. We may also disclose information obtained through our website or through e-mail communications when it is necessary to complete a transaction, to verify the status of your account or membership for an appropriate third party such as a credit bureau, to comply with a court order, to comply with the request of a government agency or regulatory body, or if we receive your permission to do so.
When you contact us by e-mail, we will retain for a period of time the content of the e-mail, your e-mail address, and the content of any response.
Privacy practices may change over time, please check www.ascentra.org regularly to view the most current version of our privacy statement.
As part of our ongoing efforts to employ the latest in Internet security technology, we have incorporated Multi-Factor Authentication (MFA) into Online Account Access. MFA is a series of technology tools for Online Account Access that helps protect your account from fraudulent transactions. Additional authentication factors, combined with your account number and password, provide additional layers of security. Most of these security enhancements are happening automatically and will not require any action on your part.
MFA security includes a variety of monitoring activities. For example, one feature tracks the type of computer you typically use to access your account. If you sign on to Online Account Access from the same computer on a regular basis and then log on to a different computer, you'll notice some additional security measures. We may ask you some questions to verify your identity before allowing you to sign on. With these extra layers of security in place, your account information will have added protection.
Setting up your account for MFA is easy! Online Account Access users will be asked to create an image & text phrase. After you have created your image & phrase, it will be displayed each time you sign on to Online Account Access, immediately after entering your account number. Simply verify that the image & phrase is correct before entering your password. Because the message is unique to each account, it helps ensure you are signing on to a legitimate Ascentra Credit Union website. A hacker would never be able to guess the image you selected (out of millions of images) or the text phrase you associated to the image. As long as you make sure that you see your image & phrase you can be confident you are at the genuine Ascentra Credit Union Online Account Access site!
In addition, we use state-of-the-art software and other technologies to prevent unauthorized users from accessing our systems, especially those accessible from the Internet. Some of the measures we take are very apparent-encryption of sensitive data, password protection, etc. For example, when you sign on to Online Account Access from the home page of our website, your account number is entered on a page that uses the "https" protocol. Once you click the "Sign On" button, we secure the connection to our servers using Secured Sockets Layer (SSL) technology, then transmit your account number. Once received, this information is transported within our systems via an encrypted network.
How to navigate within Online Account Access:
- Do NOT use your browser's BACK or FORWARD buttons.
- Do NOT double click.
- ALWAYS click LOGOUT when finished.
- Online Account Access times out after 10 minutes of inactivity
Online Privacy FAQ's
How Secure Is Online Account Access?
Ascentra Credit Union uses technology that encrypts or disguises all information during your online session. If someone were to intercept your data, it would be meaningless and impossible to read or change. The following information explains how this technology works to make Online Account Access secure.
Online Account Access is indeed safe and is being used by a growing number of Internet users like you. Security has always been a concern when transmitting sensitive information across the Internet. Before financial institutions could make online services available, infrastructure was designed to keep data safe while it was transmitted from a personal computer to an institution's server.
How Does Online Account Access Work?
Ascentra Credit Union's Internet-based account access service (Online Account Access) uses today's leading Internet technologies to bring account accessibility to your fingertips. Several technologies are employed to make your Online Account Access session easy, secure and functional. Two key components of our service are Java™ and SSL. Java technology from Sun Microsystems™ is heavily employed throughout the interface to perform functions that make navigation easy.
To ensure that your information is secure at all times, Ascentra Credit Union runs Online Account Access on a secure server utilizing SSL encryption. This encryption system from RSA Data Security, Inc. "scrambles" data packets sent from your computer to our server. This keeps personal information secure and confidential while in transit.
Once you have entered your account number and password, both are securely sent via SSL to a server on Ascentra Credit Union's network for authentication. After this information is verified, a secure session is created between the Online Account Access server and your computer. You can make a full range of account transactions safely and easily right from your personal computer.
What are the three most important services SSL provides?
Your information is guaranteed confidentiality through the encryption or scrambling process and cannot be decrypted by anyone but you. If an encrypted message is somehow intercepted, it will be unreadable by the third party.
If someone were to intercept your Ascentra Credit Union account information, it would not decrypt properly.
Ascentra Credit Union has been certified with a secure certificate from Verisign to communicate with you, the member, with SSL technology. Digital certificates act as a digital ID that users or computers are authentic
What is Secure Sockets Layer (SSL) encryption?
SSL encryption technology emerged as the industry standard for securing data while it travels across the Internet. SSL is used worldwide in online stores, credit unions, banks, and an all other Web sites where information from an individual needs to be kept confidential.
Fixed Rate Mortgage10 & Done (10 Year Fixed)2.625View Mortgage Loans%
Vehicle LoansNew & Used Auto as Low as2.90View Vehicle Loans% APR
SavingsBase Share Savings Starting at0.05View Savings Accounts% APY
Credit CardsNo Balance Transfer Fee. 6-Mo. Intro Balance Transfer2.99View Credit Cards% APR
Making Cents Aug 3, 2020
Taking a Road Trip During a Pandemic
Making Cents Jul 31, 2020
Managing Finances During COVID-19
Making Cents Jul 30, 2020
The Pros and Cons of Early Retirement Plan Rollovers
News Jul 29, 2020
Moving Forward, Together
News Jul 10, 2020
Helping a Small Town is a Team Effort
Making Cents Jul 1, 2020
Be Aware of Scams!
Making Cents Jun 18, 2020
14 Tips for Planning a Family Road Trip
Ascentra Cares Jun 12, 2020
Ascentra Credit Union Awards $10,000 in Scholarships
News Jun 3, 2020
Moving Forward Together
Ascentra Cares May 28, 2020
Ascentra Credit Union Foundation Awards $21,000 in Grants to Area Charities and Organizations
Making Cents May 19, 2020
Fraud Against State Unemployment Insurance Programs
Making Cents May 8, 2020
Auto Loans: How You Can Do Better Than 0%
Making Cents May 6, 2020
Coping Financially During Tough Times
News May 5, 2020
Ascentra Response Efforts to Challenging Times
News Apr 22, 2020
Show Us The Helpers!
News Apr 14, 2020
Economic Impact Payments: What to Expect
News Apr 14, 2020
Economic Impact Payments: 6 Spending Tips
Making Cents Apr 8, 2020
Details About the Congressional Stimulus Package