Ascend Federal Credit Union offers different financial services and products for cover of the many needs that any member may have. To this respect, a description of the services provided by Ascend FCU is given as follows:
### **1.** Checking and Savings Accounts
– **Free Checking Accounts**: No-fee checking accounts, in-depth with additional services such as mobile banking, direct deposit, and online bill pay.
High-Yield Savings Accounts Competitive rates for your savings account so that your money can grow faster. Money Market Accounts Higher interest with check-writing privileges for higher balance accounts, marrying respective features of savings and checking accounts.
### 2. Loans and Credit
Personal Loans Unsecured loans for nearly any purpose, whether for debt consolidation, home improvement, or emergency expenses, at competitive rates with flexible terms.
Auto Loans: New and used vehicle financing in competitive rates, with terms tailored to suit your budget. Home Loans and Mortgages: A range of mortgage products to include fixed-rate and adjustable-rate mortgages, refinancing options-our mortgage products are designed around the financial needs of your home. Home Equity Lines of Credit: Draw upon the equity in your home for those large expenses or home improvements that may be on the horizon.
– Credit Cards: reward, cashback and low-interest credit cards.
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### 3. **Investment and Retirement Solutions**
– Retirement Accounts: Individual Retirement Accounts (IRAs), Traditional IRAs, and Roth IRAs help your retirement savings grow with possible future tax advantages.
– Certificates of Deposit (CDs): Fixed term deposits guaranteed to return on investment, offering you several terms according to the need.
– **Investment Services**: To be advised on investment planning, asset management, and wealth management by financial consultants.
### **4. **Digital and Mobile Banking**
– **Online Banking**: The facility of keeping your accounts updated, paying your bills, transferring funds, and maintaining a check on your balance within the comfort of online banking.
– **Mobile Banking**: Keep the accounts in a mobile manner through their mobile application for services like mobile check deposits, transferring accounts and paying bills.
– **Mobile Deposit**: Deposit checks directly from your smartphone or computer tablet and enhance the convenience to avoid branch visits.
### 5. Financial Education and Resources
* **Educational Workshops**: Participate in workshops and seminars regarding different aspects of finances, such as budgeting to investment and retirement planning.
OR * **Online Resources**: access financial calculators, budgeting tools and other educational materials which may help in making intelligent financial decisions.
### 6. Business Banking Services
Business Accounts Open proper business checking and savings accounts to suit the needs of small and medium-sized businesses, according to the requirements of business operation.
Business Loans Avail credit facilities for business requirements, like lines of credit, equipment loans, and other loans for business needs.
7. Insurance and Protection
Car and Home Insurance Get the best rates for car and home insurance from our handpicked strategic partners in the insurance business.
Life Insurance: Both Term and Whole life insurance plan to provide for your loved ones financially.
8. Customer Service
Personal Support Friendly, knowledgeable staff and personal support of all banking needs/questions.
Responsive Service: Multipoint access to support ensures timely resolution of issues and inquiries.
### 9. Community Involvement
– **Local Support**: Active participation in community projects and charitable events, aimed at local growth and welfare.
– **Community Events**: Opportunities to participate in or support events and programs in your community through sponsorship or other forms of support from Ascend FCU.
### 10. **Convenience Access
– **Branch Locations**: Physical branches to serve the in-person banking and service needs of the members.
– **ATM Network:** Large ATM network to help in facilitating cash access easily with account access, many times at no-fee options.
11. **Security and Trust**
– **Advanced Security Measures**: Advanced security protocols applied for keeping all your personal and financial information safe from fraud and unauthorized accesses.
– **Reputable Institution**: A financial institution recognized by its good reputation concerning reliability and customer satisfaction.
Ascend FCU’s financial resources run the gamut from personal and business financial services and products to competitive rates and full-circle financial solutions, community involvement, and much more.