The average annual cost of attending a four-year, in-state public university in 2014-2015 is $18,943, according to the College Board’s annual survey of colleges. That figure includes tuition, fees, room, and board. Even if you don’t consider inflation, this amounts to $75,772 for four years. Education is a valuable investment. But when budgets are tight,… Read More


Research shows that 1 in 20 Hispanics in America are unbanked, preferring to use a check-cashing service or buy a prepaid debit card instead of depositing their paychecks into a financial institution. Why? Many believe they don’t meet the requirements or have the identification needed for opening an account. Although using alternative financial providers may… Read More


While many banks and other lenders have stopped offering private student loans to focus on bigger, more profitable loan types, you still can depend on Ascentra Credit Union to help you pay for school. Credit unions have lower loan rates and provide more products and services for students, according to CBS Money Watch. While you… Read More


Most teenagers have big dreams. Some dream of owning a car, traveling, or starting a business. Many plan on attending college. All those dreams require cash. So how do you turn that dream into reality? Be a dream achiever and start saving your money. Think: $1.67 a day! If you’re 13 years old and you… Read More


In the first quarter of 2017, the bull market seemed unstoppable. The Dow Jones Industrial Average soared past 20,000 and closed at all-time highs on 12 consecutive trading days. The Nasdaq Composite gained almost 10% in three months.1   An eight-year-old bull market is rare. This current bull is the second longest since the end… Read More


We are very excited to announce that Brooke Bowie, CUNA Financial Advisor, has joined Ascentra Retirement & Investment Services. Attaining financial security is a marathon, not a sprint; that is why planning and preparation is essential for success. Brooke understands this concept and brings a balanced approach to helping her clients prepare and protect their… Read More


If credit card payments are eating up your disposable income each month, or if you need cash to remodel your kitchen–or to buy a new car–a home equity loan or home equity line of credit (HELOC) might be your best bet.   There’s also a tax advantage. Unlike almost any other consumer loan type, the… Read More


All parents want their kids to grow up healthy. But most of the time that discussion focuses on getting them to eat more vegetables and spend less time in front of screens. Too few think about their kids’ well-being in terms of their financial health. In fact, one in four parents don’t even feel qualified… Read More


The high cost of college tuition causes some students to graduate deeply in debt. Today there are 44.2 million American graduating with student debt, with an average debt of $25,550 for public school graduates and $32,300 for private school graduates. The total amount of student debt is currently at $1.31 trillion. This reliance on student… Read More


You may hear the terms preapproval and prequalification as you prepare to buy a house. These procedures are not the same, although many people confuse them.   Prequalification simply involves a rough calculation of the mortgage payment you can afford. Your Ascentra Credit Union mortgage officer can help you with this. Why is it helpful?… Read More