Astera Credit Union Lansing MI | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Astera Credit Union your trusted financial partner located at 301 E Jolly Rd, Lansing, MI 48910. Since our establishment in 1949, we have proudly served the community with a commitment to excellence and a focus on member satisfaction. With over 14,570 members and total assets of $191,391,030, we stand as a pillar of financial strength and reliability. At Astera Credit Union, we understand that every member has unique needs. That's why we offer a wide range of services including personal banking, auto loans, mortgage solutions, and business banking options tailored just for you. Our total deposits amount to $3,321,673, demonstrating our members' trust in us to safeguard their hard-earned money. Under the leadership of CEO Martin Carter and Board President Kevin Goff, our dedicated team of 67 employees is here to ensure that you receive personalized service every step of the way. We pride ourselves on being more than just a credit union; we are part of your community. With a net worth of $16,936,489 and cash in hand amounting to $998,925, we have the resources to support your financial goals effectively. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 301 E Jolly Rd, Lansing, MI 48910. We invite you to explore our website at www.asteracu.com for more information about our services or simply give us a call at 517-323-3644. Join us today and experience the Astera difference where your financial success is our priority!

Branch History & Mission

At Astera Credit Union, we are proud of our rich history and unwavering commitment to the community. Established in 1949, our branch has been a cornerstone in Lansing, MI, for over seven decades. Located at 301 E Jolly Rd, we are easily accessible for all members and their families. As we've grown from humble beginnings to serving over 14,570 members today, we have always remained focused on providing personalized financial services that meet the needs of our diverse community. Our mission is simple yet profound: to empower our members with the tools they need to achieve financial wellness. We believe that everyone deserves access to quality financial services, which is why we offer a range of products including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We strive not only to support your financial goals but also to give back to the community through various outreach initiatives and partnerships. Over the years, we've adapted to the changing landscape of banking by embracing technology. Our online and mobile banking platforms allow you to manage your finances on your terms, while our ATM services provide you with convenient access to cash anytime. For those who prefer face-to-face interactions, our drive-thru service ensures quick and efficient transactions. While members can visit us at 301 E Jolly Rd for all their banking needs, official correspondence should be sent to the same address. In addition to our robust services, we are proud to offer shared service center access for partner credit union members, enhancing convenience even further. As we look forward to the future, our commitment remains steadfast to provide exceptional service while fostering a spirit of community among our members. Join us at Astera Credit Union and experience the difference that comes from being part of an organization dedicated to your success. Together, we can build a brighter financial future for all! For more information or to become a member, feel free to call us at 517-323-3644 or visit our website at www.asteracu.com. Your journey toward financial empowerment begins here!

Branch Location & Accessibility

Accessibility and Parking

At Astera Credit Union, we prioritize accessibility for all members. Our facility complies with ADA standards, ensuring that everyone can navigate our space comfortably. Ample parking is available right outside our branch, so you won't have to worry about finding a spot when you visit.

Get in Touch

Have questions or need assistance? Give us a call at 517-323-3644 or stop by our friendly team at Astera Credit Union. We're excited to help you reach your financial goals!

Operating Hours

We're here for you during convenient hours that fit into your busy schedule. Visit us Monday, Tuesday, and Thursday from 9:00 AM to 5:30 PM; Wednesday from 10:00 AM to 5:30 PM; and Friday from 8:00 AM to 6:00 PM. For those quick transactions or banking on the go, our drive-thru service operates from 8:00 AM to 6:00 PM on weekdays and Saturdays from 9:00 AM to 1:00 PM.

Services Offered

Astera Credit Union offers a variety of services tailored to meet your banking needs. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. With ATM availability on-site and shared service options for partner credit union members, accessing your money has never been easier.

Member Eligibility

At Astera, we believe that becoming a member is like joining a welcoming family that supports your financial journey. If you're looking to join us, you'll be happy to know that our membership is open to anyone who lives, works, worships, or attends school in the local community. We prioritize inclusivity and are excited to welcome you into our cooperative. To find out more about the specific eligibility criteria, feel free to visit our detailed guide at https://www.asteracu.com/about/membership/. Joining Astera comes with great benefits, including access to personalized financial services and competitive rates on loans and savings accounts. Once you determine your eligibility, opening an account is a breeze! Just give us a call at (517) 323-3644 or check out our easy online account opening process at https://www.netteller.com/login2008/authentication/views/onlineenrollmentagreement.aspx?returnurl=%2fasteracu. We're here for you at our branch located at 301 E Jolly Rd Lansing Mi 48910, ready to help you take the next step toward financial success.

Business Banking & Commercial Services

Merchant Services that Make a Difference

In today's fast-paced world, having efficient merchant services can streamline your operations. Imagine easily accepting payments from customers while tracking sales all in one place. Whether you're a retail store or an online business, our merchant services provide the tools you need for smooth transactions and better customer experiences. At Astera, located at 301 E Jolly Rd Lansing Mi 48910 in Lansing, MI, we strive to be your trusted partner in navigating the financial landscape of your business. Let us help you grow your venture with the right tools and support!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $26 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $154 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $11,941,638, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility

Our commitment extends beyond just products; it's about providing accessible service as well. With our dedicated staff ready to assist you at (517) 323-3644, we're here whenever you need support or guidance. In summary, whether you're looking for personal finance options or business solutions, Astera at Astera Credit Union-south has got you covered with comprehensive services designed just for you. Visit us today at 301 E Jolly Rd Lansing Mi 48910 in Lansing, MI or explore more on our website here. We look forward to serving you!

Business Banking Services

For our entrepreneurial members, we provide robust business banking solutions. Our merchant services can streamline payment processing, making it easier than ever to run your business efficiently. Plus, with access to business loans tailored for growth, you can take your operations to the next level without the financial strain.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we offer online and mobile banking services so you can manage your finances anytime, anywhere. Need cash? Use our ATM services or visit our drive-thru for quick transactions like deposits and withdrawals without stepping inside the branch. We also support shared branch transactions so that members of partner credit unions can easily access their funds while visiting us.

Credit Cards and Rewards

We also offer credit cards with rewards that allow you to earn points on everyday purchases. Imagine dining out or shopping for groceries while earning rewards that can be redeemed for exciting perks! It's just one more way we aim to add value to your financial life.

Personal Banking Solutions

Our personal banking offerings include checking and savings accounts designed to fit various lifestyles. Whether you're saving for a big purchase or managing day-to-day expenses, our accounts come with features tailored for convenience. If you're in the market for a new car, check out our auto loans and vehicle financing options. We provide competitive rates that help you drive away in your dream vehicle without breaking the bank. For those considering homeownership, our mortgage loans and refinancing options can guide you through the process smoothly. Our team is here to simplify your journey and help you find the best fit for your financial situation. Additionally, if debt is weighing you down, our personal loans and debt consolidation services aim to lighten that load, offering you a fresh start.

Digital & Online Banking

Accessibility & Convenience

You can also opt for e-statements to keep track of your financial activity without the clutter of paper statements. This option not only saves trees but also allows for easy access to your transaction history whenever you need it. Additionally, our mobile payments feature enables you to make purchases directly from your phone no wallet necessary! We believe in providing our members with real-time account management capabilities. With features like instant alerts for transactions and balance updates, staying informed about your finances has never been easier. At Astera, we're committed to delivering an exceptional banking experience that adapts to your life. Join us today and discover how our digital banking solutions can simplify your financial journey!

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. Plus, if you're on the go, our mobile application gives you the power to manage your finances right from your smartphone. Whether you're making person-to-person transfers or setting up electronic payments, we've got you covered with user-friendly tools that fit into your busy lifestyle. Security is a top priority for us at Astera. We utilize advanced encryption technologies to protect your information, ensuring that every transaction is safe and secure. And for those times when you need to sign documents quickly, our electronic signature authorization feature lets you handle paperwork without any hassle.

Financial Strength

Commitment to Growth

Our $17,495,660 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $2,458 in used auto loans and $114,167,430 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member Trust

Total Share Accounts: 32,952, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $185,813. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Astera is your trusted partner. Visit us at 301 E Jolly Rd Lansing Mi 48910 or call (517) 323-3644 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $-568,999, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 64 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $38,124,789 in share certificates and $40,256,871 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $2,250,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $16,936,489, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $885 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $35,579,444 in used vehicle loans and $7,004,943 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make your financing experience smooth and straightforward.

Business Loans

For business owners, our outstanding commercial loans totaling $11,941,638 provide the capital needed to grow and expand. Whether it's purchasing new equipment or funding expansion plans, we're committed to supporting local businesses with accessible financing options. If you're considering refinancing or exploring eligibility options, our team is ready to assist you in finding the best solutions that fit your financial situation. You can reach us at (517) 323-3644 for more information about our loan offerings or visit us at our branch located at 301 E Jolly Rd Lansing Mi 48910 in Lansing, MI. We're here to help you take the next step toward achieving your financial dreams. 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 and Personal Loans

For those who need extra flexibility, our total credit lines amounting to $38,190,974 can help manage expenses or consolidate debt. We also offer unsecured credit card loans, with a total of $1,681,061 already helping members manage their finances effectively. Our credit products come with flexible terms tailored to fit different lifestyles.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,875,222, make buying or refinancing simple. We are here to guide you through each step of the process, ensuring you find the right mortgage solution for your needs.

Loan Aggregator

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Astera