Rates
*This example considers a purchase price of $225,000, with a 20% down payment, and a loan amount of $180,000. 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 example 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.
*This example considers a purchase price of $225,000, with a 20% down payment, and a loan amount of $180,000. 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.
Rate Watch
| Loan Type | Term | Rate | APR |
| 5/1 Adjustable Rate Mortgage | 15, 20 or 30 Years | 5.750% | 6.337% APR |
| 10/1 Adjustable Rate Mortgage | 15, 20 or 30 Years | 6.000% | 6.312% APR |
*This example considers a purchase price of $225,000, with a 20% down payment, and a loan amount of $180,000. 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.
Rate Watch
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
Rates subject to change.
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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
** Average daily balances of $100 or more
Rates subject to change.
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Vehicle Loan
| Term | Annual Percentage Rate as low as |
| 24-60 months (2021-2023)* | 5.50% APR |
| 72 months (2020-2023) | 6.00 - 6.25% APR |
| 84 months (2022-2023) | 7.00% APR |
| 24-60 months (2019-2020) | 6.00 - 6.25% APR |
| 24-48 months (2016-2018) | 6.25 - 6.50% APR |
| 24-48 months (2014-2015) | 6.75 - 7.25% APR |
| 24-36 months (2013 or older) | 9.00 - 9.50% APR |
| Motor Homes, Travel Trailers, Boats | 6.75 - 8.50% APR |
| Motorcycle Loans (2014-2023) | 5.50 - 7.25% APR |
| Motorcycle Loans (2013 or older) | 9.00 - 9.50% APR |
*APR = Annual Percentage Rate. Rate based on approved credit. Current rate as low as 5.50% APR for 60 months on 2021 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 5.50% APR would result in a monthly payment of $470.41.
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Home Equity Loans
| Loan Type | Term | Annual Percentage Rate as low as |
| Home Equity Line of Credit* | 8.00% APR Variable | |
| Home Equity Fixed Rate Loan | Five Years | 6.00% APR |
| Home Equity Fixed Rate Loan** | Ten Years | 6.50% APR |
* For a $50,000 home equity line of credit, for a term of 240 months with a 7.50% APR, the monthly payment will be $418.05
**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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Personal Loans
| Loan Type | Term | Annual Percentage Rate as low as |
| Share-Secured Loans Secured with Savings | 3% Above rate on deposit account | |
| Share-Secured Loans with CD | 2% Above rate on CD | |
| 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 and are subject to change without notice according to market conditions. Rates based on term and approved credit. 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) personal loan for $3,000 at a fixed rate of 11.50% APR would result in monthly payment of $99.00. Rates listed above for signature loans are based on credit score and automatic payment.
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CDs
| Certificate Term* | Dividend Rate | Annual Percentage Yield |
| 91 Days | 0.20% | 0.20% APY |
| 6 Months | 0.40% | 0.40% APY |
| 12 Months | 0.55% | 0.55% APY |
| 18 Months | 0.65% | 0.65% APY |
| 19 Months** | 3.68% | 3.75% APY |
| 24 Months | 0.75% | 0.75% APY |
| 30 Months | 3.44% | 3.50% 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 19-month certificate will renew to a 18-month certificate.
IRA Certificates of Deposit are available at the same interest rates as our regular Certificates of Deposits. Certificates may be designated traditional or Roth IRAs. 91 days and 6 months terms not available for IRA Certificates of Deposits. Other restrictions and requirements may apply. Rates subject to change.
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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 |
Money Market
| 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 |
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Mortgage Loans
| Type | Rate | APR | Estimated Payment |
| Fixed Rate Mortgage - 10 & Done (10 Year Fixed) | 5.625 | 5.671 | |
| Fixed Rate Mortgage - 15 Year Fixed Rate | 5.75 | 5.841 | |
| Fixed Rate Mortgage - 20 Year Fixed Rate | 6 | 6.073 | |
| Fixed Rate Mortgage - 30 Year Fixed Rate | 6.25 | 6.305 |
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Nov 7, 2022
Season of Giving…..
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