Astera Credit Union Lansing MI | Convenient ATM Access & Services

Introduction

Welcome to Astera Credit Union, your trusted partner in financial success since 1949. Located at 111 S Waverly Rd, Lansing, MI 48917, we are dedicated to providing our members with exceptional service and support. With a strong foundation built on trust, we proudly serve over 14,570 members and manage total assets exceeding $191 million. At Astera, we believe in empowering our community by offering a range of financial services tailored to meet your needs. Whether you're looking for personal loans, savings accounts, or investment options, our team is here to help you every step of the way. Our commitment is reflected not only in our robust financial health boasting $3,321,673 in total deposits and a net worth of $16,936,489 but also in the countless lives we touch through our lending programs and community initiatives. We have assembled a talented team led by our CEO, Martin Carter, and Board President, Kevin Goff, who are passionate about ensuring that each member feels valued and supported. With a focus on innovation and accessibility, we offer modern banking solutions that cater to your busy lifestyle. While members can visit us at our branch location, official correspondence should be sent to the same address: 111 S Waverly Rd, Lansing, MI 48917. You can reach us anytime at (517) 323-3644. Join us today at Astera Credit Union where together, we'll build a brighter financial future! Visit our website at asteracu.com for more information or to get started with your membership.

Branch History & Mission

At Astera Credit Union, our story began in 1949 when we opened our doors in the heart of Lansing, MI. Over the years, we have grown from a small financial institution into a trusted partner for over 14,570 members. Located at 111 S Waverly Rd, our branch stands as a testament to community strength and service. Our mission is simple yet powerful: to provide exceptional financial services while supporting our community's growth and well-being. We believe that by helping our members achieve their financial goals, we can make a meaningful impact in their lives. Whether it's through offering competitive loans, savings accounts, or financial education resources, our commitment remains steadfast. As we look back on our journey, we take pride in the milestones we've achieved. With total assets now exceeding $191 million, we've continually invested in enhancing member experiences and expanding our offerings. Our dedicated team of 67 employees works tirelessly to ensure that every member feels valued and supported. In addition to traditional banking services, we embrace modern technology to meet the needs of today's consumers. Our services include mobile banking options, online account management, and electronic signatures for added convenience. We also prioritize accessibility with ADA-compliant facilities and strive to keep operations transparent and customer-focused. While members can visit us at 111 S Waverly Rd, official correspondence should be sent to the same address as our mailing address: 111 S Waverly Rd, Lansing, MI 48917. As part of our commitment to community involvement, we actively participate in local outreach efforts and partnerships that benefit both individuals and families. Operating hours are designed with our members in mind: Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM; and Wednesday from 10:00 AM to 5:00 PM. For those who need ATM services, we're pleased to offer an accessible ATM on-site. We invite you to join us at Astera Credit Union. Experience firsthand how we can help you navigate your financial journey while being an integral part of the Lansing community. Your membership means more than just banking; it means being part of something bigger together we can achieve great things!

Branch Location & Accessibility

Welcome to the Astera Credit Union branch located at 111 S Waverly Rd, Lansing, MI! We're here to serve you in a convenient spot that's easy to reach and surrounded by familiar landmarks. Whether you're near the bustling area of downtown Lansing or heading back from a trip to the local parks, popping in for your banking needs is a breeze. At our branch, you'll find ample parking that makes it simple to stop by anytime during our friendly operating hours. We are open Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM, and on Wednesday from 10:00 AM to 5:00 PM. If you need assistance outside of these hours, don't hesitate to give us a call at 517-323-3644. For those who prefer cash transactions or quick banking services, we have an ATM available for your convenience. Although we do not offer drive-thru banking or shared service options at this location, our dedicated team is ready to assist you inside. We ensure that our facilities are accessible for everyone, complying with ADA standards so that all members can comfortably visit us. While members can visit us at 111 S Waverly Rd for their banking needs, any official correspondence should be sent to the same address as well. We invite you to come experience the welcoming environment at Astera Credit Union and discover how we can help you achieve your financial goals. Stop by today or reach out via phone we look forward to seeing you soon!

Member Eligibility

At Astera, we believe that everyone deserves access to a supportive financial community. Becoming a member is easy and open to those who live, work, worship, or attend school in the areas we serve. This means if you're part of our local community or have family members already with us, you're likely eligible to join! We offer many benefits, including competitive rates on loans and savings accounts, personalized service, and a commitment to helping you achieve your financial goals. Ready to take the next step? You can find all the details about our membership eligibility criteria by visiting https://www.asteracu.com/about/membership/. If you're excited to open an account with us, just head over to https://www.netteller.com/login2008/authentication/views/onlineenrollmentagreement.aspx?returnurl=%2fasteracu to get started. Should you have any questions, feel free to give us a call at (517) 323-3644. Join us at Astera, located at 111 S Waverly Rd Lansing Mi 48917, and experience the difference of being part of a community-focused credit union!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer essential merchant services designed to simplify your operations. Imagine being able to process payments seamlessly while managing your cash flow effectively. Our tools not only help you accept payments but also give you insights into your sales trends, enabling you to make informed decisions that boost profitability. At Astera, we're more than just a bank; we're a partner in your business journey. Let us help you take your business to the next level! Reach out today at (517) 323-3644 or visit us at 111 S Waverly Rd Lansing Mi 48917 for more information on how we can assist you.

Comprehensive List Of Services

Banking Made Easy

Our primary service offering includes ATM Services Only, which provides basic ATM access for essential transactions such as withdrawals and balance checks. With our conveniently located ATM, managing your finances has never been easier. Imagine needing cash for a spontaneous outing or checking your account balance before making a purchase; our ATM services ensure you can do this quickly and securely.

Digital Access at Your Fingertips

In today's fast-paced world, convenience is key. That's why we emphasize digital banking features that allow you to handle your finances from anywhere. Members can take advantage of our online banking platform, where they can view account balances, transfer funds, and even make payments with just a few clicks. If you're on the go, our mobile app offers similar functionalities right from your smartphone, including mobile payments and person-to-person transfers making it easier than ever to send money to friends or family.

Join Us Today!

We invite you to experience the difference that comes with being a member of Astera. With our commitment to comprehensive financial services and member satisfaction, you'll find everything you need under one roof or just a click away! Visit us online at Astera Credit Union-main or come by our branch today at 111 S Waverly Rd Lansing Mi 48917 in Lansing, MI. Let us help you achieve your financial goals!

Support When You Need It

At Astera, we pride ourselves on providing personalized service. If you have questions about your account or need assistance navigating our digital tools, don't hesitate to reach out. Our friendly staff is always ready to help you maximize the benefits of your membership. You can contact us directly at (517) 323-3644 during our business hours: Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM, and Wednesday from 10:00 AM to 5:00 PM.

Digital & Online Banking

Accessible and User-Friendly

At Astera, we believe banking should be easy and accessible for everyone. Our user-friendly interface allows you to navigate through your account quickly without any hassle. Whether you're checking your balance or setting up a new payment, everything is designed to be straightforward. Join us today at Astera and experience the ease of digital banking that keeps you connected to your finances securely and conveniently!

Key Features for Your Convenience

Our mobile application makes it even easier to bank whenever and wherever you want. You can make mobile payments seamlessly, eliminating the need for cash or checks. Plus, with our person-to-person transfer feature, sending money to friends and family is as simple as a text message. We prioritize your security with electronic signature authorization, ensuring that your transactions are safe and protected. And for those who prefer going paperless, e-statements are available at your fingertips no more waiting for the mail!

Financial Strength

Growing Together

Total Share Accounts: 32,952, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $185,813, illustrating our ability to support your needs effectively. 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 111 S Waverly Rd Lansing Mi 48917 or call (517) 323-3644 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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

Member-Centric Savings

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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our net income of $-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.

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 financing options tailored to fit your budget, making it easier for you to drive away in the vehicle you desire.

Business Loans

For business owners, our outstanding commercial loans totaling $11,941,638 provide the capital needed to grow and expand. Whether it's for purchasing equipment or covering operational costs, our business lending solutions are designed to support your entrepreneurial journey.

Financing Options

If you're considering refinancing or exploring eligibility options for any of our loan products, we encourage you to reach out. Our team at Astera is ready to help guide you through the process and answer any questions you may have. For more information about our loan offerings or to discuss how we can assist you further, please contact us at (517) 323-3644 or visit us at 111 S Waverly Rd Lansing Mi 48917, Lansing, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey is important to us, and we're here to help every step of the way!

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 offer various mortgage products with competitive interest rates, ensuring that you find an option that works best for you.

Unsecured Credit Card Loans

Managing day-to-day expenses is made simpler with our unsecured credit card loans. We also offer flexible terms on these loans, with a total of $1,681,061 helping members manage their finances effectively. Enjoy peace of mind knowing you have access to credit when you need it most.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, which ensures transparency in the options available to you. - No Sponsored Listings: Unlike many comparison tools that prioritize lenders based on paid promotions, LendMesh provides unbiased results. This commitment to neutrality allows users to view loan options purely based on their merits. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly find competitive offers that meet their specific needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of LendMesh in helping borrowers secure better deals. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate Loan 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), ensuring fair and transparent offers. This rigorous sourcing means that users can trust the accuracy of the information presented, as it reflects current market conditions rather than outdated or promotional rates.

Astera