Some of the many advantages deemed to make your experience with banking and to serve your financial needs are listed below, and attributed to banking with **Ascension Credit Union**.
### **1. Member-Centric Approach**
Not-for-Profit Model: Being a credit union, Ascension does business on a not-for-profit model where the main concern is for the members, not the shareholders. This typically means better rates, fewer fees, and, of course, much more of a personal touch to service.
2. Competitive Rates
• High-Yield Savings Accounts: Avail competitive interest rates on savings accounts to make your money grow faster in certain instances than other conventional alternatives for savings.
• Low Loan Rates: Competitive pricing for a wide range of loans, including auto, personal, and mortgages may save you some money in interest payments.
3. Low Fees
– **Low/No Fees**: low/no monthly maintenance fees on many accounts, thereby reducing banking-related charges.
– **Fee Free Transactions**: Fee-free transactions on select account types and services, including ATM withdrawals from the extensive fee-free ATM network.
### **4. Full Service Financial Products**
– **Checking Accounts**: So many varieties of checking accounts exist, free from any monthly charges, and include overdraft protection along with online banking.
– **Saving Accounts**: High-yield savings to money market accounts for different financial purposes.
– **Certificates of Deposit (CDs)**: Time deposit accounts that promise returns after a certain period and are available in different time-lengths according to one’s financial goals.
### **5. Loans and Credit**
– **Personal Loans**: Debt consolidation loans, home improvement loans, or emergency loans without collateral ; all these have competitive rates and flexible terms.
Auto Loans Borrow the funds you need to purchase a new or pre-owned vehicle at competitive rates and terms that won’t break the bank. Home Loans and Mortgages Your choice of mortgage products, including fixed rate and adjustable rate mortgages, plus refinancing. Home Equity Lines of Credit Tap into available equity in your home to cover major expenses or to finance home improvements.
– **Credit Cards**: provides different credit card products directed at the needs of diverse customers, whether it be rewards, cashback, or low-interest rates.
### **6. Digital and Mobile Banking**
– **Online Banking:** securely access online banking and take advantage of the various services provided through account management, bill paying, money transferring, and reviewing recent transactions.
– **Mobile Banking:** reap all the privileges of mobile applications in managing your account with ease, including services such as mobile check deposits, account transfers, and bill payments.
Mobile Deposit: Deposit checks from a distance, by using your smartphone or tablet to increase convenience without necessarily having to enter the branch.
### 7. Financial Education and Resources
Educational Workshops: In-person workshops and seminars on topics such as budgeting, investing, and retirement planning.
Online Tools: Fully utilize financial calculators, budgeting tools, and any resource that may be available that could be helpful in financial planning and decision-making.
### 8. Business Banking Services
Business Accounts: Opens business current and saving accounts whose feature requirements address the needs of small and medium-sized businesses.
Business Loans: Lends for the financing of business operations with lines of credit, equipment loans, or other loans essentially related to a business operation.
### 9. Insurance and Protection
Auto and Home Insurance: Competitive-priced auto and home insurance via various partnerships with trusted insurance providers.
– **Life Insurance**: Both term and whole life insurance available to provide financial security for one’s loved ones.
### 10. Customer Service
* **Personalized Service:** Knowledgeable employees on hand to deliver customer service, constantly teaching you something about the Bank, even to tailored solutions.
* **Speed of Service:** Everything by phone, email, and in person for those needing to find solutions or get answers as fast as possible.
### 11. Community Involvement
– **Local Focus**: Active involvement in local community projects; charity events, improved life quality for all.
– **Community Events**: Chance to support or get involved in events and projects happening within your community through the Ascension Credit Union.
### **12. Security and Trust**
– **Enhanced Security Features**: First-class security features that help you avoid fraud and unauthorized access to your personal and financial information.
– **Trusted Institution**: A sound financial institution trusted by people because of stability and customer service.
Personal and business financial needs in terms of products and services are met at Ascension Credit Union. Their pledge of competitive rates, low fees, personal service, and community involvement establish Ascension Credit Union as a progressive partner in meeting your personal and business financial needs.