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Astera Credit Union

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Astera Credit Union Rates & Review March 2026

Q: How many branches does Astera Credit Union operate?

Astera Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Astera Credit Union?

Yes, to access services at Astera Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Astera Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Astera Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare Astera Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.65%, 6-month share certificate rates at 3.72% and 3-month share certificate rates at 3.75%. Savings rates are at 0.15% and money market rates are at 1.35%. Mortgage rates on 30-year fixed loans are around 5.97%. All these rates can be compared to Astera Credit Union rates. MonitorBankRates evaluates the financial stability of Astera Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.80%. Rates were last updated on 03/29/2026.

Astera Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Astera Credit Union? Share your experience about Astera Credit Union by leaving a review below, or read customer reviews before you decide to use Astera Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.80%

Excellent Lower than avg

Astera Credit Union
ASTERA CREDIT UNION MAIN

111 S Waverly Rd
Lansing, MI 48917

https://www.asteracu.com

Current Rate Availability

We do not have Astera Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Astera Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Astera Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Astera Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Astera Credit Union

Website https://www.asteracu.com

Address 111 S Waverly Rd, Lansing, MI 48917

Phone 517-323-3644

Fax 517-323-4414

President Kevin Goff

CEO Martin Carter

Full-Time Employees 66

Part-Time Employees 4

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.80%

Return on Assets (ROA)

-0.1354%

Return on Equity (ROE)

-1.5625%

Non-Performing Loans Ratio (NPL)

0.57%

Total Assets

198,866,321

Total Amount of Shares and Deposits

180,342,628

Total Shares and Deposits < 1 Year

174,055,262

Total Shares and Deposits 1 3 Years

4,352,840

Total Shares and Deposits > 3 Years

1,934,526

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

11,201,985

Total Uninsured Shares and Deposits > $250K (F+J)

11,201,985

Total Insured Shares and Deposits > $250K (item 17 less item K)

169,140,643

Total Interest Expense (Sum of items 6 8)

687,475

Share Certificates

1,820

Number of Accounts for Share Drafts

8,847

IRA KEOGH Accounts

443

Number of Accounts for Regular Shares

18,973

All other shares

Non Member Deposits

4,750

Money Market Shares

1,171

Net Income (unless the amount is already included in Undivided Earnings)

-269,319

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,654,349

Total Liabilities

188,956,732

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Astera Credit Union

Is Astera Credit Union a safe place to deposit money?

Yes, Astera Credit Union is considered a safe financial institution. With a Texas Ratio of 3.7974273749579%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Astera Credit Union operate?

Astera Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Astera Credit Union?

Yes, to access services at Astera Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Astera Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Astera Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Astera Credit Union offer online and mobile banking?

Most modern institutions like Astera Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.asteracu.com.