Average User Rating:1 star rating based on 1 review.
Astera Credit Union
Astera Credit Union Locations|
111 S Waverly Rd Lansing, MI 48917 800-323-0048 www.asteracu.com  |
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Astera Credit Union is headquartered in Lansing and is the 64th largest credit union in the state of Michigan. It is also the 1,105th largest credit union in the nation. It was established in 1949 and as of December of 2012, it had grown to 72 employees and 23,371 members. Astera Credit Union has a 4-star health rating.
Astera Credit Union Routing Number: 272481952
Related Posts
Top 5-Year CD Rates at Astera Credit Union in Michigan - Easy Membership - 5/10/2012
Astera Credit Union has two very competitive 5-year CD rates. The highest is the Jumbo CD rate with a 2.25% APY. Minimum deposit is $50,000. The regular CD has a 2.15% APY and a minimum deposit of $50 ...
See Rates for: Checking | Savings | Money Market | CD | IRA
Astera Credit Union Checking Account Rates
Astera Credit Union Savings Account Rates
Astera Credit Union Money Market Rates
Astera Credit Union CD Rates
Astera Credit Union IRA Rates
| Apy | Min | Max | Product | |
| 1.70% | $50k | - | 5 Year Jumbo IRA | |
| 1.70% | $50k | - | 5 Year Jumbo Roth IRA | |
| 1.70% | $50k | - | 5 Year Jumbo CESA | |
| 1.60% | $500 | - | 5 Year IRA | |
| 1.60% | $500 | - | 5 Year Roth IRA | |
| 1.60% | $500 | - | 5 Year CESA | |
| 1.30% | $500 | - | 4 Year IRA | |
| 1.30% | $500 | - | 4 Year Roth IRA | |
| 1.30% | $500 | - | 4 Year CESA | |
| 0.90% | $500 | - | 3 Year IRA | |
| 0.90% | $500 | - | 3 Year Roth IRA | |
| 0.90% | $500 | - | 3 Year CESA | |
| 0.70% | $500 | - | 2 Year IRA | |
| 0.70% | $500 | - | 2 Year Roth IRA | |
| 0.70% | $500 | - | 2 Year CESA | |
| 0.50% | $500 | - | 18 Month IRA | |
| 0.50% | $500 | - | 18 Month Roth IRA | |
| 0.50% | $500 | - | 18 Month CESA | |
| 0.45% | $500 | - | 1 Year IRA | |
| 0.45% | $500 | - | 1 Year Roth IRA | |
| 0.45% | $500 | - | 1 Year CESA | |
| 0.30% | $500 | - | 6 Month IRA | |
| 0.30% | $500 | - | 6 Month Roth IRA | |
| 0.30% | $500 | - | 6 Month CESA |
Rates updated: 5/18/2013
Data for Q4 2012
Institution Statistics
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Institution Health
Overall Score:
4 out of 5 
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Do Not Use Astera.
Here is my expierence with Astera:
They bought out my loan from another company after I bought my car in 2008. Sometime in 2009 I believe. I recieved a form letter stating they now owned my loan. No personal information was included with the letter. Just "keep sending your payments" and a toll free number.
A couple of years later (2012), I received my second piece of correspondance. Another form letter with no personal information stating they needed insurance records. They should have all the original information from my original loan, as I still have the same insurance to this day, however I figured they needed an update. I was told I could do this process online, which I liked since I am disabled and leaving the house is difficult. Only, in order to login, I needed an account number.
I called Astera. I explained I had the documents they wanted and wanted to upload it online, but I didn't know my account number. The person on the phone could not tell me my account number, but assured me she would send a letter with that information on it that day. I updated my address with her before I hung up, as I had just moved, and awaited the letter.
It never came.
I emailed Astera asking for more informaiton and the account number. No reponse. I tried to contact Astera several times trying to obtain an account number, or short of that, what exactly they needed in the insurance documentation that I could copy and mail in. I was advised not to mail it in, to upload it online. And I would get my account number in the mail.
It never, ever came.
Then I was penalized. Fined, I don't even know how much because without that account number I have absolutly no access to my account information. They had blinded me and then fined me while keeping from me the one vital piece of information I needed to avoid the whole scene in the first place. I was threatened and my credit report was attacked when they sent me to collections, although I did pay faithfully every month the amount I believed I owed because the only communication I recieved was form letters or ignornace.
Now I am fighting to get back money that is rightfully mine. I was able to thankfully pay off the loan and walk away from this terrible experience, but I did not ever receive my account number and while they state they are refunding me the full amount, I will never know. I cannot access statements or billing information without my account number. I am being raped, and Astera's response so far has been "So?"
I am now considering legal action in order to get my account number in order to verify that they are not cheating me out of more money. If you do not want this heartache and headache, don't use Astera. It has be an awful nightmare, and all for an account number that is leagally mine to know by right.