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


  You don’t have to pay an arm and a leg to go back to school. If you know where to look, financial assistance is available for any level of involvement, whether it’s online or in the classroom, for credit or just for the enjoyment.   Here’s how you can afford it.   1. Fill… Read More


If a person was to tell you that there were financial institutions out there that provided great customer service, higher rates of returns, lower fees and lower interest charges on loans would that be something that might perk your interest? These are all characteristics of a credit union. So why doesn’t everyone bank at a… Read More


There are many different types of loans. So many, in fact, you may actually be overwhelmed. First, it is important to understand what credit unions look for and require when lending and then understand what options credit unions may have to meet your financial needs. Lending considerations and requirements To understand your financial situation, financial… Read More


While mortgages are getting most of the refinancing attention, don’t overlook your car loan. In many cases, it can be smart to refinance a car loan, too. There are two potential rewards: You can trim monthly payments, and you could reduce the overall cost of the vehicle. Say you had to finance a car at… Read More


Plan your next vacation ahead to ensure that you get the most for your money without sacrificing a good time. Then relax, knowing that you might even have funds left over when you get home. Here’s how:   1. Airfare – Book flights on Yapta and be eligible for a voucher if the airfare goes down… Read More