Rates
*These examples consider a purchase price of $225,000, with a 20% down payment, loan amount of $180,000 and term defined in chart (i.e., 30-year fixed rate mortgage loan, $180,000 loan, 360 monthly payments of $1,167.48, Annual Percentage Rate (APR) of 6.807%). This does not include taxes and insurance. If taxes and insurance are included in your loan, your payment will be higher. The home loan rates and terms listed here are examples only and are subject to change without notice. Other terms and conditions apply. Rates may vary due to subject property, loan characteristics, credit qualifications and other factors. Property and flood insurance may be required. Example is for purchase only. For more information contact any Ascentra Credit Union mortgage expert at 563-355-0152.
| Loan Type | Term | Rate | APR |
| 5/1 Adjustable Rate Mortgage | 15, 20 or 30 Years | 5.500%* | 5.938% APR |
| 10/1 Adjustable Rate Mortgage | 15, 20 or 30 Years | 5.750%** | 5.936% APR |
The APR could increase after consummation. The home loan rates and terms listed here are examples only and are subject to change without notice. Other terms and conditions apply. Rates may vary due to credit qualifications. Taxes and Insurance are not included in the payment examples, if taxes and insurance are included in your loan, your payment will be higher.
*5/1 ARM payment example for a $225,000 purchase price with 20% down, loan amount $180,000 at 5.938% Annual Percentage Rate (APR), the first 60 payments are $1,022.02 per month, with 12 payments at $1,258.59 if the APR would adjust to 6.740%, with 12 payments at $1,513.54 if the APR would adjust to 7.706% and 12 payments of $1,782,52 if the APR would adjust to 8.903%.
**10/1 ARM payment example for a $225,000 purchase price with 20% down, loan amount $180,000 at 5.936% Annual Percentage Rate (APR), the first 120 payments are $1,050.43 per month, with 12 payments at $1,289.54 if the APR would adjust to 7.293%, with 12 payments at $1,546.48 if the APR would adjust to 8.839%, and 12 payments of $1,816.94 if the APR would adjust to 10.583%. “
Rate Watch
Effective 7/21/2025
Checking Accounts
| Account Type | Dividend Rate | Annual Percentage Yield† |
| A Plus Checking* | 0.05% | 0.05% APY |
| Economy Checking* | 0.05% | 0.05% APY |
| Freebee Checking | N/A | N/A |
* Average daily balances of $1,000 or more
* Maintenance or activity fees could reduce earnings on an account.
Rates subject to change.
† APY is accurate as of the last dividend declaration date
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Effective 7/21/2025
Savings Accounts
| Account Type | Dividend Rate | Annual Percentage Yield† |
| Membership Share Savings** | 0.05% | 0.05% APY |
| All Purpose Savings* | 0.05% | 0.05% APY |
| Club Savings* | 0.05% | 0.05% APY |
| Escrow Account* | 0.05% | 0.05% APY |
| Individual Retirement Saver Account (Traditional and Roth)** | 0.30% | 0.30% APY |
| Health Savings Account** | 0.30% | 0.30% APY |
| First-Time Homebuyer Savings Account | 0.30% | 0.30% APY |
* Average daily balances of $1 or more.
* Maintenance or activity fees could reduce earnings on an account
** Average daily balances of $100 or more
† APY is accurate as of last dividend date.
Rates subject to change.
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Effective 7/21/2025
Vehicle Loan
| Term | Annual Percentage Rate as low as |
| 24-60 months (2023-2025)* | 5.25% APR |
| 72 months (2022-2025) | 5.75 - 6.00% APR |
| 84 months (2024-2025) | 6.00% APR |
| 24-60 months (2021-2022) | 5.75 - 6.00% APR |
| 24-48 months (2018-2020) | 6.25 6.50% APR |
| 24-48 months (2016-2017) | 7.00 - 7.25% APR |
| 24-36 months (2015 or older) | 9.50 - 10.00% APR |
| Motor Homes, Travel Trailers, Boats | 7.75 - 9.25% APR |
| Motorcycle Loans (2016-2025) | 5.25 - 7.25% APR |
| Motorcycle Loans (2015 or older) | 9.50 - 10.00% APR |
*APR = Annual Percentage Rate. Rate based on approved credit. Current rate as low as 5.25% APR for 60 months on 2023 or newer vehicle, includes automatic payment rate discount. Rate subject to change. Limited time offer. The first payment will be applied to the interest accrued from the date the loan was funded and then remaining funds to the principal. Example payment: $25,000 auto loan with the term of 60 months and a fixed rate of 5.25% APR would result in a monthly payment of $474.75.
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Effective 7/21/2025
Home Equity Loans
| Loan Type | Term | Annual Percentage Rate (APR*) as low as |
| Home Equity Line of Credit (90% LTV)** | 20 Years | 7.50% APR Variable |
| Home Equity Line of Credit (100% LTV) | 20 Years | 8.50% APR Variable |
| Home Equity Fixed Rate Loan (90% LTV) | 5 Years | 6.00% APR |
| Home Equity Fixed Rate Loan (90% LTV)*** | 10 Years | 6.50% APR |
| Home Equity Fixed Rate Loan (100% LTV) | 5 Years | 7.50% APR |
| Home Equity Fixed Rate Loan (100% LTV) | 10 Years | 8.00% APR |
*APR = Annual Percentage Rate. Rate based on credit approval and subject to change. **For a $50,000 home equity line of credit, for a term of 240 months with an 7.50% APR, the monthly payment will be $402.92 This does not include taxes and insurance. The rate and terms listed are examples only and are subject to change without notice. Maximum rate charged could be note rate + 6%. Property and flood insurance may be required. Closing costs vary by state or locality and range from $670 - $1,140.
***For a $20,000 10-year fixed home equity loan at a fixed rate of 6.50% APR, the monthly payment would be $227.13.
Financing up to 100% LTV for qualified borrowers on home equity line of credit and home equity loans. Rates are based on credit approval and insurability. Rates are subject to change.
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Effective 7/21/2025
Personal Loans
| Loan Type | Term | Annual Percentage Rate (APR*) as low as |
| Share-Secured Loans Secured with Savings | 3% Above rate on deposit account | |
| Share-Secured Loans with Certificate | 2% Above rate on Certificate | |
| Unsecured Line of Credit | 13.50% APR Variable | |
| Visa Credit Card** | 9.88%-17.88% APR based on creditworthiness | |
| Signature loans - No collateral required*** | 11.50% APR (Rate is based on credit score and automatic payment) |
The rates listed are standard rates for signature loans and are subject to change without notice according to market conditions. Rates are based on credit score, term, approved credit, and automatic payments. Maximum rate, at this time, is 21.00% and available terms of the loan are 6 – 48 months.
*APR = Annual Percentage Rate. Rate based on credit approval.
**Foreign Transaction Fee is 1% of each transaction in U.S. dollars if the transaction involves a currency conversion. 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion.***For example: a 36-month term (3 year) signature loan for $3,000 at a fixed rate of 11.50% APR would result in a monthly payment of $99.00 A monthly payment of $99.00 for 36 months would result in $3,564 being paid over the term of the loan. Therefore, the cost of the loan is $564, as relevant to this example.
Effective 7/21/2025
Investment Accounts
Investor's Choice
| Average Daily Balance | Dividend Rate | Annual Percentage Yield† |
| $100,000+ | 0.45% | 0.45% APY |
| $75,000-$99,999.99 | 0.35% | 0.35% APY |
| $50,000-$74,999.99 | 0.30% | 0.30% APY |
| $25,000-$49,999.99 | 0.25% | 0.25% APY |
| $10,000-$24,999.99 | 0.20% | 0.20% APY |
| Average Daily Balance | Dividend Rate | Annual Percentage Yield† |
| $100,000+ | 0.35% | 0.35% APY |
| $75,000-$99,999.99 | 0.30% | 0.30% APY |
| $50,000-$74,999.99 | 0.25% | 0.25% APY |
| $25,000-$49,999.99 | 0.20% | 0.20% APY |
| $10,000-$24,999.99 | 0.15% | 0.15% APY |
| $1,000-$9,999.99 | 0.10% | 0.10% APY |
* Maintenance or activity fees could reduce earnings on an account. Rates subject to change.
† APY is accurate as of last dividend declaration date.
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Effective 7/21/2025
Certificates
| Certificate Term* | Dividend Rate | Annual Percentage Yield |
| 3 Months | 0.20% | 0.20% APY |
| 6 Months | 0.50% | 0.50% APY |
| 9 Months | 0.55% | 0.55% APY |
| 12 Months | 0.60% | 0.60% APY |
| 15 Month** | 3.92% | 4.00% APY |
| 18 Months | 0.65% | 0.65% APY |
| 19 Months*** | 3.78% | 3.85% APY |
| 24 Months | 0.75% | 0.75% APY |
| 30 Months | 3.68% | 3.75% APY |
| 36 Months | 1.00% | 1.00% APY |
| 48 Months | 1.19% | 1.20% APY |
| 60 Months | 1.49% | 1.50% APY |
*Minimum deposit for most terms is $500. Penalty for early withdrawal.
**Upon maturity, the 15-month certificate will renew to a 12-month certificate.
***Upon maturity, the 19-month certificate will renew to an 18-month certificate.
IRA Certificates are available at the same interest rates as our regular Certificates . Certificates may be designated traditional or Roth IRAs. 91-day, 6-month and 9-month terms not available for IRA Certificates. Other restrictions and requirements may apply. Rates subject to change.
Effective 7/21/2025
Mortgage Loans
| Type | Rate | APR | Estimated Payment |
| Fixed Rate Mortgage - 10 & Done (10 Year Fixed) | 6 | 6.046 | |
| Fixed Rate Mortgage - 15 Year Fixed Rate | 6.125 | 6.217 | |
| Fixed Rate Mortgage - 20 Year Fixed Rate | 6.625 | 6.699 | |
| Fixed Rate Mortgage - 30 Year Fixed Rate | 6.75 | 6.807 |
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Ascentra Cares Sep 30, 2024
Ascentra Donates $75,000 to QC Community Foundation’s Center for Nonprofit Excellence
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Ascentra Cares Jul 30, 2024
Ascentra Provides $60,000 to Support Junior Achievement’s Volunteer Efforts
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Ascentra Cares Jul 15, 2024
Ascentra Awards $11,000 in Scholarships to Traditional, Non-traditional and Trades Students
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