ASTERA

Headquarters

111 S WAVERLY RD
Lansing, MI 48917
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.55% 1.05% →
2-Year CD 0.65% 1.11% →
5-Year CD 1.30% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Astera is an NCUA insured institution located in Lansing, MI. It was founded in 1949 and has approximately $160.71 millions in assets.

NCUA Insured Yes
Charter Number # # 60920
Date Established 1949
Assets $160.71 million
Loans $102.86 million
Deposits $138.51 million
Capital $14.40 million
 

Field of Membership Restrictions

Membership in Astera Credit Union is open to anyone living within the state of Michigan through joining the R.E. Olds Transportation Museum ($25 membership fee). Membership is also open to residents of Allegan, Barry, Calhoun, Clinton, Eaton, Genesee, Gratiot, Ingham, Ionia, Jackson, Kalamazoo, Kent, Lake Livingston, Mecosta, Montcalm, Muskegon, Newaygo, Ottawa, Saginaw, Shiwassee, and Washtenaw Counties in Michigan who meet one of the following qualifications: (1) employees of manufacturing companies; (2) employees of General Motors and its affiliates.

Deposit Rates - August 8, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.10% $10,000 $14,999 Learn More
60 Mo CD
1.30% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 8, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ASTERA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to ASTERA
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Astera branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Astera Locations


Financial Details

Astera Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Astera. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Astera U.S. Average
9.84% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Astera had $1,318,740 in non-current loans and $204,942 in owned assets. To cover these potential losses it had $14,396,253 in net worth and $1,084,168 in loans loss reserves. That gives it a Texas Ratio of 9.84%.

Net Worth
Astera U.S. Average
8.95% 13.61%

Astera FCU has a net worth of 8.95% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Astera

Branches and Savings

What is Astera?

A federal credit union, registered with the NCUA under certificate #60920.
Learn more about credit unions here.

Is Astera FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Astera?

Please see Field of Membership information above for information on who is eligible to join.

What are Astera's share account and share certificate rates?

Astera's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Astera?

Astera has total capital of $14.40 million. Full information on Astera's financial position is located above.

Who owns Astera?

Credit Unions are owned by their members.

Where are Astera branches located?

See branch locations nearby.

Are Astera ATMs Open 24/7?

Do Astera ATMs accept cash deposits?

Can Astera customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Astera have a mobile app?

Does Astera have mobile deposit?

Does Astera have quick pay?

How can Astera transfer money to other banks or credit unions?

Does Astera report to credit bureaus?

Does Astera use Chexsystems?

Does Astera use Equifax?

What is Astera's toll free phone number?

What is Astera's ACH Routing Number?

What is Astera's SWIFT code?

Where can I find Astera's wire transfer form?

What is the Astera address for deposits?

What Products Does Astera Offer

Does Astera offer mortgages?

Compare mortgage rates here.

Does Astera offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Astera offer auto and RV loans?

Compare auto loan rates here.

Does Astera offer student loans or personal loans?

Compare personal loan rates here.

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