Card Services

These days, it’s all about the plastic. You can use your Ascentra cards in so many ways that allow easy access to your money. We offer three types of cards that will be sure to fit your needs!

Debit Card 

Your Ascentra Visa® Debit Card works like an ATM Card and can also be accepted like a Credit Card. Withdraw or deposit money in your savings or checking account at ATMs. Use your Debit Card as a Credit Card anywhere Visa is accepted with your money coming out of your checking account.

  • No annual fee
  • No charge for transactions conducted at ATMs owned by Ascentra Credit Union
  • 5 FREE ATM transactions/inquiries per month at ATMs not owned by the credit union. If you exceed 5 ATM transactions/inquiries per month at ATMs not owned by the credit union, the charge is $1.00 each
  • Line of credit loans are available for Overdraft Protection
To apply for a debit card, call 563-355-0152 or 800-426-5241, Ext. 0.

ATM Card

The Ascentra ATM Card is available for members with only a savings account or to those who are just starting to build their credit. It gives you easy access to cash and transactions at ATMs.

  • No annual fee
  • No charge for transactions conducted at ATMs owned by Ascentra Credit Union
  • 5 FREE ATM transactions/inquiries per month at ATMs not owned by the credit union. If you exceed 5 ATM transactions/inquiries per month at ATMs not owned by the credit union, the charge is $1.00 each
To receive your ATM Card, call 563-355-0152 or 800-426-5241, Ext. 0. Although Ascentra Credit Union will not charge for the first 5 non-credit union ATM transactions each month, the member may still be charged by the ATM's owner.


Visa® Platinum Credit Card
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 21%, 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 and access your account through Online Account Access. 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 21%, based on your creditworthiness.

Check out our awesome rates

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!

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