Line of Credit - Astera Credit Union

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Overview
Flexibility of open-end financing for nearly any purpose

Up to 72-month term

Access a line of credit up to $25,000

Reuse without having to reapply
Line Of Credit Loan

A line of credit offers greater flexibility when navigating financial peaks and valleys. The great thing about a line of credit is being able to use only what you need — when you need it. And pay interest only on what you use.
Monthly Payment

Loan Amount

$

Rate

%

Term Months

Apply for Loan
This calculation represents an estimate.

Loan Protection Available

Astera has partnered with SWBC to bring you three amazing products to help you should times get hard. Click here to learn how to protect your money from bumps in the road.

"Astera helped me with a line of credit when I really needed it."
Danielle S.
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Rates

Rates

Revolving Credit

Term Rate*

72 Months As low as 11.50% APR*

*APR=Annual Percentage Rate. Rates and term are subject to change without notice.
FAQs
Frequently Asked Questions

If the funds are in an Astera account, you are able to utilize Online Banking in order to process the payment. A payment can be made by transferring funds to the appropriate loan.

If the funds are in a financial institution other than Astera, you cannot make payment through Astera’s Online Banking. You can however, use the external financial institution’s Bill Pay service to make online payments. Or you can Make a Payment using our ACH tool. For future use, this link can be found under our Services tab.

To check the status of a loan application you must call 517-323-3644.

Sometimes you still can qualify with bad credit. Loans are based on your credit history not necessarily your credit score. Call us today, to discuss your options at 517-323-3644.
Need help?

Looking for additional assistance? We're here to help!

Contact Us

Looking for a flexible loan option?

A line of credit lets you use only what you need, when you need it.

Apply now

Online Banking

Member Alert: Spoofing Scam

It has come to our attention that fraudsters are making calls and sending texts impersonating Astera Credit Union.
PLEASE REMEMBER ASTERA CREDIT UNION WILL NEVER CONTACT YOU AND ASK YOU FOR SENSITIVE INFORMATION ABOUT YOUR ASTERA CU CARD OR ACCOUNT.

Online Banking

Member Alert: Spoofing Scam

It has come to our attention that fraudsters are making calls and sending texts impersonating Astera Credit Union.
PLEASE REMEMBER ASTERA CREDIT UNION WILL NEVER CONTACT YOU AND ASK YOU FOR SENSITIVE INFORMATION ABOUT YOUR ASTERA CU CARD OR ACCOUNT.

How to earn your rewards

It’s so easy to qualify; you’re probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:

Have at least 15 debit card purchases clear
Be enrolled in eStatement notices
Have at least 1 automatic direct deposit (ACH) or online bill payment clear
Be enrolled and log into online or mobile banking at least once

That’s it. If you don’t qualify, there’s still no monthly service fee and you still earn dividends at the base dividends rate. Plus, you get the opportunity to earn huge rewards the very next monthly qualification cycle! Check out our Kasasa Qualification Calendar to make sure you are on track!