Ascentra Credit Union Clinton IA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Ascentra, your trusted partner in financial well-being right here at our North 2nd branch, located at 1702 N 2Nd St, Clinton, IA 52732. Since our establishment in 1950, we have been dedicated to serving our community with integrity and commitment. With over 43,000 members and total assets reaching an impressive $538,855,774, we strive to provide personalized banking solutions that cater to your unique needs. At Ascentra, we pride ourselves on being more than just a financial institution; we are a community-focused credit union. Our mission is to empower you through exceptional service and support. Whether you're looking for personal banking options like checking and savings accounts or seeking financing for your next vehicle or home, we've got you covered. Our team is here to help you navigate your financial journey with confidence. If you need assistance or have questions about our services, don't hesitate to reach out! You can call us at 563-355-0152 during our lobby hours Monday through Thursday from 7:30 a.m. to 5:30 p.m., Friday from 7:30 a.m. to 6:00 p.m., and Saturday from 7:30 a.m. to 12:30 p.m. We also offer convenient online banking options and mobile services for your ease. While members can visit us at our branch location, official correspondence should be sent to PO Box 1107, Bettendorf, IA 52722. Join us at Ascentra today and experience the benefits of being part of a member-owned credit union that truly cares about your financial success! For more information about our offerings and how you can become a member, please visit us online at Ascentra.org.

Branch History & Mission

Community Commitment

Ascentra takes pride in being more than just a financial institution; we are a part of the fabric of Clinton. We actively participate in community events and partner with local organizations to promote economic growth and well-being. Your success is our success! Our branch features convenient drive-thru banking and ATM availability for quick access to your funds when you need them most. We're open Monday through Thursday from 7:30 a.m. to 5:30 p.m., Friday from 7:30 a.m. to 6:00 p.m., and Saturday from 7:30 a.m. to 12:30 p.m.

Join Us

We invite you to become part of the Ascentra family today! Experience firsthand the benefits of membership from tailored financial solutions to dedicated support from our friendly staff. Visit us at our Clinton branch or explore more about becoming a member at Ascentra's website. Together, let's build a brighter financial future!

Our Journey

Ascentra began its journey with a mission to provide accessible financial solutions to everyone in our community. From humble beginnings, we've evolved into a full-service credit union dedicated not just to banking but to empowering our members through education and support. Our growth reflects our commitment to serving you better each year. Over the years, we've expanded our services significantly. Today, we offer personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. We also embrace technology with online and mobile banking, ensuring that managing your finances is as convenient as possible.

Our Mission

At Ascentra, our mission goes beyond providing financial products. We strive to enhance the quality of life in our community by supporting local initiatives and fostering strong relationships with our members. Whether it's through educational workshops or community outreach programs, we believe in giving back and making a positive impact. We understand that every member has unique needs. That's why we focus on personalized service, ensuring that every interaction leaves you feeling valued and heard. Our team is dedicated to guiding you towards achieving your financial goals while maintaining transparency and integrity. For those who wish to reach us by mail, please note that official correspondence should be sent to PO Box 1107, Bettendorf, IA 52722.

Branch Location & Accessibility

Accessibility Features

At Ascentra, we understand that accessibility is essential. Our branch is equipped with ADA-compliant features, including ramps and designated parking spots, ensuring everyone can visit us comfortably. If you prefer to avoid entering the building, our drive-thru service allows you to conduct basic transactions from your vehicle.

Call to Action

We invite you to stop by Ascentra today! Our dedicated team is eager to assist you with any questions or financial needs you may have. Feel free to give us a call at 563-355-0152 if you'd like more information before your visit. Your financial journey starts here!

Operating Hours

We know that life can get busy, which is why we offer flexible operating hours to fit your schedule. Visit us Monday through Thursday from 7:30 a.m. to 5:30 p.m., on Friday until 6:00 p.m., and Saturday mornings until 12:30 p.m. We aim to make banking as convenient as possible for you!

Services Offered

At our North 2nd location, you'll find an array of personal banking options tailored to meet your needs whether it's checking and savings accounts, auto loans, mortgage refinancing, or credit cards with rewards. We also provide online and mobile banking services for those who prefer managing their finances on the go. Plus, with ATM access readily available, cash withdrawals and balance checks are just a few taps away. While members can visit us at 1702 N 2nd St for all their banking needs, any official correspondence should be sent to PO Box 1107 in Bettendorf if needed.

Member Eligibility

Becoming a member of Ascentra is like stepping into a welcoming community where your financial needs are prioritized. We're excited to invite anyone who lives, works, worships, or attends school in the area to join us. This means that whether you're a long-time resident or new to our vibrant community at 1702 N 2Nd St Clinton Ia 52732, you can enjoy the benefits of membership. Additionally, if you have family members who already belong to Ascentra, they can help you join as well! With a commitment to supporting our members through personalized service and competitive rates, you'll quickly see the advantages of being part of our credit union family. For more detailed eligibility information, feel free to check out our website at http://www.ascentra.org/belong/join/become-a-member. Opening an account is simple and straightforward; just visit us online or give us a call at (563) 355-0152 for assistance. We're here to guide you every step of the way as you start your journey with Ascentra. Whether you're interested in savings accounts, loans, or other services, we can't wait to welcome you! For more details on how to get started, visit our account opening page at https://secure.ascentra.org/ascentra/sdk/autoenrollmente2e.

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $419 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $29 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $39,203,566, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Transactions

In addition to loans, we offer merchant services designed to simplify your payment processes. Imagine a local café that seamlessly accepts credit and debit cards, making it easier for customers to enjoy their favorite brews. Our merchant solutions ensure your business runs smoothly, so you can focus on what matters most serving your clients and growing your brand. Located at 1702 N 2Nd St Clinton Ia 52732 in Clinton, IA, we're here to help your business thrive. Reach out at (563) 355-0152 to learn more about how we can support your financial needs!

Comprehensive List Of Services

Business Solutions That Work for You

For our business members, Ascentra offers comprehensive Business Banking services, including Merchant Services and Business Loans that help fuel growth and streamline operations. Whether you're just starting or looking to expand, we understand the unique challenges businesses face and are here to provide support.

Convenient Access Anytime

We know that life can get busy. That's why we've made it easy for you to access your accounts anytime with features like Online & Mobile Banking, allowing you to manage finances on-the-go. For quick transactions such as cash withdrawals or balance checks, our ATMs and basic drive-thru banking ensure convenience without the hassle.

Financing Your Dreams

When it comes to making significant purchases like cars or homes, our financing solutions are here to support you every step of the way. We offer Auto Loans & Vehicle Financing tailored to fit your budget and lifestyle. Picture driving off in a new car with a loan that meets your needs! Additionally, if you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing options will guide you through the process smoothly. If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation solutions provide flexibility and peace of mind. Plus, for those who love rewards while spending, we have Credit Cards with Rewards that let you earn points on everyday purchases.

Join Us Today!

At Ascentra, we're dedicated to serving our community with exceptional financial products and services tailored just for you. If you're ready to experience personalized banking that puts your needs first, give us a call at 563-355-0152 or visit us today! Let's start building your financial future together at Ascentra!

Personal Banking Made Easy

Managing your finances should be simple and accessible. That's why we provide Personal Banking services that include Checking & Savings Accounts designed to help you manage your money efficiently. Imagine having the ability to set up automatic savings transfers that help you reach your goals without even thinking about it. With our user-friendly online and mobile banking options, you can check balances, make deposits, and transfer funds right from your smartphone.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking system is available 24/7, allowing you to check balances, transfer funds, and pay bills at your convenience. No more waiting in line everything you need is right at your fingertips. Whether you're at home or on the go, our mobile application provides real-time account management, making it simple to keep track of your finances. For those who prefer going paperless, we offer e-statements to help you stay organized while reducing clutter. Plus, our electronic signature authorization feature means you can sign documents quickly and securely without the hassle of printing or mailing them.

Safe and User-Friendly Experience

Safety is our top priority. We ensure that all transactions are protected with advanced security measures so that you can bank with peace of mind. Need to send money to a friend? Our person-to-person transfer option makes it easy to send and receive funds instantly. Additionally, if you love using mobile payments, we've got you covered! You can make secure payments directly from your phone, streamlining how you handle everyday expenses. At Ascentra, we strive to provide accessible, user-friendly services that fit into your lifestyle. Discover how easy banking can be by visiting us online today!

Financial Strength

At Ascentra, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial health with you, as transparency builds trust and confidence. With a net worth of $55,878,997, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,037 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $91,113,771 in share certificates and $42,400,713 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,005, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $34,970,093 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust, with $5,597 in used auto loans and $390,359,550 in total loans and leases supporting members' financial goals across various sectors. Our operational efficiency shines through with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 171 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments) stand at $12,783,914. Total Share Accounts showcase the trust placed in us by our community: 87,517, reflecting a strong and growing member base that believes in our mission. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ascentra is your trusted partner. Visit us at 1702 N 2Nd St Clinton Ia 52732 or call (563) 355-0152 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $21,907,709 in new vehicle loans and $76,043,612 in used vehicle loans, helping our members get on the road with confidence. These loans are designed to fit various budgets and needs, making it easier for you to drive away in the vehicle you want.

Business Loans

For business owners looking for support to grow and expand their ventures, our outstanding commercial loans amounting to $39,203,566 provide essential capital that can help take your business further. At Ascentra Credit Union in Clinton, IA, we prioritize your financial well-being with personalized service and transparent lending practices. For more information about our loan offerings or to discuss eligibility options further, please call us at 563-355-0152 or visit our website at Ascentra. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines

For those needing extra financial flexibility, we also offer credit lines totaling $103,139,909. This option allows you to access funds as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $37,936,601, which make buying or refinancing straightforward. We offer competitive rates and flexible terms tailored to suit your financial situation. If you're considering refinancing your existing mortgage or exploring eligibility options for a new one, we're here to guide you every step of the way.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we provide flexible terms on unsecured credit card loans, with a total of $15,963,546 available. These loans can help you cover unexpected costs or consolidate debt more effectively.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that you receive fair and transparent offers, allowing you to compare options confidently.

Ascentra