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Overview
- No closing costs!*
- Low intro rate*
- Use funds for any purpose
- Flexible repayment options
Home Equity Special
Whatever is on your to-do list, our special offer on home equity loans and HELOCs can help!
Loan Protection
Astera has partnered with SWBC to bring you three amazing loan protection products to help you should times get hard. Learn how to protect your money from bumps in the road.
We also offer Lines of Credit
To learn which home equity loan options will best suit your needs contact an Astera Credit Union branch today.
"The fact that it was so easy and fast to get what I wanted. I never have a problem when I come to Astera for help."
Marco G.You might also be interested in...
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Rates
Rates
Closed End Home Equity Loan
Term Rate* 60 - 120 Months As low as 6.49%APR* 121 - 180 Months As low as 6.99%APR* 181 - 240 Months As low as 7.49%APR* *APR=Annual Percentage Rate. Rates and term are subject to change without notice.
Open Ended Variable Home Equity Loan
Term Rate* n/a As low as 7.50% APR* *APR=Annual Percentage Rate. Rates and term are subject to change without notice.
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FAQs
Frequently Asked Questions
One benefit of being an Astera member is getting access to the lowest rates around. Take out a loan to fund that major expense. We process loans in-house, from application to closing — without all the stress.
We offer various loans and services to match your desires
- Personal Loans
- Home Mortgage Loans
- Home Equity Loans
- Auto Loans
- Recreational Vehicle Loans
- Line of Credit
Click here, if you’d like to apply for a loan today.
For our Astera Equity products, the only out of pocket expense for equity is for an appraisal. As a service to our members Astera covers all other closing cost.
Wouldn't it be nice to stop throwing your money away on rent and start building equity in your own home? Astera offers low-rate home mortgage loans, so you can start calling your own place "home" sooner than later.
Our stellar loan officers will be there to guide you through every step.
There are many great features to our Home Mortgage Loans
- Build equity in your home in Michigan, instead of paying rent to a landlord
- We offer free quick pre-qualifications for accurate budget shopping
- Choose from a variety of mortgage loan financing options
- Local processing ensures fast approvals and efficient processing
- Personal attentive service from start to closing
- Talk to an Astera expert lender today to get started
Visit our Mortgage Web Center and apply now!
We offer three convenient ways to apply to refinance your home equity loan.
- Apply Online
- Login to your online banking account and then select the Services tab to get started
- Apply by Phone
- Call us today at 800-323-0048 and a Member Service Representative will walk you through the steps to apply over the phone
- Apply in Person
- Stop by any of our branches and speak to a Member Service Representative to get help on your application
Our stellar loan officers will be there to guide you through every step of the process.
Visit our Mortgage Web Center and apply now!
Disclosure Statements:
*APR = Annual Percentage Rate. Your rate will be determined by the loan product selected, creditworthiness, term length, lien position, and loan-to-value ratio. Rates are subject to change without notice. If you respond to this loan offer but do not meet our credit criteria or are unable to provide acceptable collateral, we may not be able to extend credit to you. Payment example: monthly payments on a $50,000 home equity term loan at 6.99% APR with a 180-month term with a 1st lien position and a loan-to-value ratio of 80% would be $449.13. s discretion.
Introductory rate is a 0.50% APR discount off of your approved contract rate for the first six months of your home equity loan or HELOC. Loan application must be received on or after 4/1/2025 to qualify for the above special offers. This promotion is subject to end at any time without notice at the credit union discretion.
Under the promotional period, members will not be responsible to pay for any closing costs, with one potential exception. If the member authorizes a full appraisal to be ordered, then ultimately decides not to move forward with their approved loan offer, the member will be held responsible for said appraisal fee. No closing cost offer is only valid on applications received on or after 4/1/2025 to qualify for the above special offers. This promotion is subject to end at any time without notice at the credit union discretion.
NMLS Registry Information for Mortgage Loan Originators
NMLS Registry Information for Mortgage Loan Originators
Andy Van Kuiken 1191759
Aspen Latunski 2365591
Austin Hawkins 1394283
Becky Grieshaber 413124
Bonnie Fillwock 1734326
Courtney Minor 538398
Courtney Mitchell 1734284
Danette Winans 1574512
Dinah Magbag 1734328
Jessie Kolka 455782
Joan Phillips 1734325
Laura Blanding 1221528
Laurie Sanford 455761
Lisa Morris 1734324
Mark Fisher 439241
Marshall Weathers 1013271
Octavia Schooler 2512460
Olivia Ruiz 2563541
Sam Cady 2166638
Sheila Mitchell 1734327
Shelby Anderson 2114162
Tanoi Miller 1925705
Mortgage Disclosure