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Boost your credit score

Tired of getting turned down for loans? Take control of your credit.

  • Overview
    • Flexible loan terms
    • Affordable payments
    • Low fixed rate
    • Earns interest

    Credit Builder Loan

    Have you been turned down for a loan due to your credit score being too low? Whether your score is suffering because you’ve hit a rough patch or you’re just starting to build credit, Astera’s Credit Builder loan may be the answer to get you on track.

     

    Payment

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    Pay it Off

    Before we fund the loan, the funds from the loan will be deposited into your savings. This money will have a hold on it until the entire loan is paid in full. Simply make on-time payments to avoid fees or credit score penalties.

    Earn Interest

    The money sitting in your saving’s account will earn interest based on current savings rates. Earn free money every month by simply making your loan payment and having the money on deposit.

    Receive Money

    After you have paid your loan in full, the funds will be released and the money is yours to spend. Plus, you should see an increase in your credit score!

    "Astera has helped me reach financial freedom."

    Trisha C.
  • Rates

    Rates

    Credit Builder

    TermRate*
    6-48 Months 14.99%APR*

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

  • FAQs

    Frequently Asked Questions

    Astera Credit Union does offer Personal Loan and/or debt consolidations for our members to consolidate bills and pay off other debts.  There are several options available to most members.  This may include personal loans, home equity loans/lines, or even a first mortgage.

    If you would like to discuss options before applying, simply call a Member Service Representative at 517-323-3644.

    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.

    Astera's Audio Banking gives the member banking over an automated phone service. There is only one simple application to complete. Choose your four-digit personal identification number (PIN), and you're ready to go. Use any touch-tone phone and perform a variety of transactions including loan calculations. Once you have your PIN, you can access Audio Banking by calling toll free at 1-888-222-8868. To view our Audio Banking Guide, click here.

    You are also able to utilize Online Banking or Mobile Banking in order to process the payment. A payment can be made by transferring funds to the appropriate loan. These payment methods are free of charge!

    To contact us please submit a question using the button below. A Member Service Representative will get back to you as soon as possible. Or, you can contact us at 517-323-3644.

     

     

     

Boost your credit score

Take control of your finances with Astera's Credit Builder Loan.

Apply Now

*APR=Annual Percentage Rate. Rates and monthly payments featured are fixed and are subject to loan term length. Rates and terms are subject to change without notice. Please contact Astera Credit Union for latest rates. Some restrictions may apply.