Astera Credit Union

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A short history of Astera CU

Since its inception in 1949 the Astera Credit Union has been serving its members in the LANSING, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Martin Carter, the Astera CU has grown its membership to over 17,614 with assets of more than $144,203,437. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (517) 323-3644 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in LANSING, MI.

General Information For Astera CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 60920
Address 111 S WAVERLY RD 
State Michigan 
Zip-Code 48917
Phone Number (517) 323-3644
Fax Number (517) 323-4414
Email Address:
CEO/President Martin Carter
Members 17,614 
Full-Time Employees 64 
Part-Time Employees
Number of Branch Offices
Total Assets 144,203,437 

Compare Astera Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Auto-owners Associates CU Auto-Owners Associates Credit Union 6101 Anacapri Blvd 48917 (517) 323-1370 No 0.44
Farm Bureau Family CU Main office 7373 W Saginaw Hwy 48917 (517) 679-5274 No 1.99
Lafcu CU St. Johns 2317 S US Highway 27 48909 (517) 622-6600 No 2.32
Lake Trust CU Okemos 1821 Newman Rd 48864 (888) 267-7343 No 4.04
Consumers Professional CU CPCU Eaton Rapids 1515 S Main St 48827 (517) 663-8176 No 4.21

Astera Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Astera Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 4.89 4.89 4.46 5.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 386 311 201 260
Rank Among All Michigan Credit Unions N/A 106 80 57 54

Astera Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.20 1.86 0.15
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 114 51 276
Rank Among All Michigan Credit Unions N/A 19 25 5 61
Astera Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 14.9503,9839,549,859
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.8905416,903,249
Used Vehicle Loans 4.8904,65628,767,920
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.46028523,894,291
Total Other Real Estate Loans/Lines of Credit 5.2503887,729,348
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.1401,0036,316,698
TOTAL LOANS & LEASES 10,85683,161,365

Astera Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 1078,708,2942210,000
    b. 15 Years or less 1186,569,438201,209,934
    a. > 15 years 152,205,90181,115,911
    b. 15 Years or less 324,529,117111,713,499
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 81,077,7063234,462
Adjustable Rate > 1 yr 5803,8352460,870


Closed-End Fixed Rate 1012,014,6037168,632
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2875,714,7452051,154,836
Open-End Fixed Rate 0000
TOTALS 67331,623,6392586,268,144


Interest Only & Payment Option 1st Mortgage Loans 1200,000200,000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Astera Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes