Learn more about Ascentra Credit Union promotions, bonuses and offers here!
Update 8/20/25: There’s currently a $200 checking bonus (up to $375 offer) valid through 9/30/25.
About Ascentra Credit Union Promotions
Ascentra Credit Union is headquartered in Bettendorf, Iowa and was established in 1950. Since then they have grown to 10 locations and offer money market rates that are 36% higher than the national average. If this does not interest you, but you still want to save big, you can see all these nationwide bank bonuses for more suitable offers.
| Eligibility: Membership in Ascentra Credit Union is open to those who live or work in Cedar, Clinton, Delaware, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Scott, and Washington Counties in Iowa or in Carroll, Henry, Jo Daviess, Knox, Mercer, Peoria, Rock Island, and Whiteside Counties in Illinois. See current membership details |
I’ll review the offers below.
Ascentra Credit Union $200 Checking Bonus
Ascentra Credit Union is offering a $200 bonus when you open a new qualifying checking account
- What you’ll get: $100 bonus
- Account Type: Checking Account
- Availability: IA (Bank Locator)
- Credit Inquiry: Unknown
- ChexSystems: Unknown, let us know
- Opening Deposit: $25
- Credit Card Funding: Unknown
- Direct Deposit Requirement: Yes (see what works)
- Monthly Fee: Yes can be waived
- Household Limit: None Listed
- Closing Account Fee: None listed, check with CSR
(Expires 09/30/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | Chase Total Checking® ($300 bonus) |
| Bank of America ($500 bonus offer) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
- Earn up to $375 bonus. Start by opening a savings and checking account with the potential to earn even more
- $25 Credit Report Review: Become a member and complete a credit report review at savings account opening.
- $50 Direct Deposit: Make 5 direct deposits of at least $250 each within 180 days of account opening.
- $75 Debit Card: Complete at least 10 transactions per month within 180 days of account opening.
- $50 Digital Banking/Mobile App & eStatements: Enroll within 30 days of account opening.
- $25 Ascentra Visa Credit Card: Apply and accept a personal Visa Credit card at account opening.
- $50 Ascentra Visa Credit Card Balance Transfer: Transfer balances totaling $2,500 or more within 60 days of credit card account opening.
- $100 Auto Loan: Apply and accept an auto loan with a minimum loan amount of $5,000 within 180 days of account opening. Refinance from another lender or get a new or used auto loan with Ascentra.
- Valid for personal accounts only.
- Offer is exclusive to new members only.
- The primary account holder must be 18 years of age or older, must be a new member to Ascentra and open a membership savings and checking account to qualify.
- Incentive payout will be one total amount paid 180 days after account opening based on all qualified incentives met. Offer qualification time runs from 6/1/25 – 9/30/25.
- Offer limited to one account per new member.
- Personal savings and checking accounts have an annual percentage yield (APY) of 0.05%. APY is accurate as of the last dividend declaration date.
- Fees may reduce earnings on the account.
- 2Field of membership includes the Iowa counties of Cedar, Clinton, Delaware, Des Moines, Dubuque, Jackson, Johnson, Jones, Linn, Louisa, Muscatine, Scott and Washington and the Illinois counties of Carroll, Henry, Jo Daviess, Knox, Mercer, Peoria, Rock Island and Whiteside.
- 3Approval is based on credit worthiness and offer applies on acceptance of credit card at account opening.
- 4Approval is based on credit worthiness and offer applies on acceptance of balance transfer totaling at least $2,500 within 60 days of credit card opening.
- 5Approval is based on credit worthiness and offer applies on acceptance of auto loan with a minimum loan amount of $5,000 within 180 days of account opening.
- Must be a refinance from another lender or a new or used auto loan with Ascentra.
- Federally insured by the NCUA.
Ascentra Credit Union $50 Referral Bonus (Expired)
Earn a $50 bonus for every person you refer with Ascentra Credit Union
Ascentra Credit Union is offering a $50 bonus when you open a new qualifying checking account
- What you’ll get: $50 bonus
- Account Type: Checking or Savings Account
- Availability: IA (Bank Locator)
- Credit Inquiry: Unknown
- ChexSystems: Unknown, let us know
- Opening Deposit: $5
- Credit Card Funding: Unknown
- Direct Deposit Requirement: None Listed
- Monthly Fee: None Listed
- Household Limit: None Listed
- Closing Account Fee: None listed, check with CSR
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | Chase Total Checking® ($300 bonus) |
| Bank of America ($500 bonus offer) | SoFi Checking and Savings ($325 bonus) |
How To Earn Bonus
- Complete either requirement:
- Open a savings account + loan
- Open savings account + a checking account with direct deposit
- Have your friend apply in-branch or online, and make sure to use code MEMREF when applying
- $50 for every qualifying member referral
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Bottom Line
Be sure to take a look at Ascentra Credit Union to learn more about their bonus promotions. While this promotion is fairly easy to meet the requirements and provides great services. However I can only recommend this promotion if it triggers a safe pull and since there is not a lot of information I recommend you check with your local CSR.
While Ascentra Credit Union does have competitive CD and Savings rates for a traditional bank, it is still hard to beat online banks. Therefore you may want to check out our full list of Bank Rates and CD Rates.
Feel free comment below and let us know about any additional information we may have missed and whether or not this event triggers a soft pull. We value your feedback and will continue to keep you posted on the latest bank offers nationwide.
*Check back at this page for updated Ascentra Credit Union promotions, bonuses and offers.
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