--- title: "Ascend Credit Union Rates (Nov 2026): Mortgage 6.92%" description: "Ascend Credit Union rates today: 5 5 arm mortgage 6.92% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Ascend Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/ascend" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ascend Credit Union Rates (Nov 2026): Mortgage 6.92% ### Mortgage rates 20 offers | Product | Published | Rate | Term / condition | Status | | **FHA 30-Year Fixed** 30 year fixed | — APR | 6.875% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | — APR | 6.875% | — | Standard | | **Special Program for First-Time Homebuyers (VA 30 Year Fixed Rate)** 30 year fixed | — APR | 6.993% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 7.000% | — | Standard | | **Special Program for First-Time Homebuyers (30 Year Fixed)** 30 year fixed | — APR | 7.094% | — | Standard | | **Special Program for First-Time Homebuyers (FHA 30 Year Fixed Rate)** 30 year fixed | — APR | 7.730% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.500% | — | Standard | | **Special Program for First-Time Homebuyers (15 Year Fixed)** 15 year fixed | — APR | 6.647% | — | Standard | | **5/5 ARM 30 Year** 5 5 arm | — APR | 6.375% | — | Standard | | **Special Program for First-Time Homebuyers (5/5 ARM 30 Year)** 5 5 arm | — APR | 6.614% | — | Standard | | **7/1 ARM 30 Year** 7 1 arm | — APR | 6.625% | — | Standard | | **10/1 ARM 30 Year** 10 1 arm | — APR | 6.875% | — | Standard | | **Special Program for First-Time Homebuyers (5/5 ARM First Time Homebuyer)** 5 5 arm | — APR | 6.922% | — | Standard | | **5/5 ARM First Time Homebuyer** 5 5 arm | 6.922% APR | 7.125% | — | Standard | | **Special Program for First-Time Homebuyers (7/1 ARM 30 Year)** 7 1 arm | — APR | 7.247% | — | Standard | | **Special Program for First-Time Homebuyers (10/1 ARM 30 Year)** 10 1 arm | — APR | 7.414% | — | Standard | | **5/1 Vacant Land** 5 1 arm | — APR | 8.500% | — | Standard | | **Special Program for First-Time Homebuyers (5/1 Vacant Land)** 5 1 arm | — APR | 9.046% | — | Standard | | **A Thoughtful Step Forward (Mortgage)** other | — APR | 6.610% | — | Standard | | **The Next Chapter for Ascend and LGE (Mortgage)** other | — APR | 6.610% | — | Standard | Ascend Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **The Next Chapter for Ascend and LGE (Auto Loan)** auto | — APR | 5.490% | — | Standard | | **Up to 60-Month New Auto Loan** auto_new_60mo | — APR | 5.490% | 60 mo · new | Standard | | **Up to 60-Month Used Auto Loan** auto_used_60mo | — APR | 5.890% | 60 mo · used | Standard | | **New Vehicle (61 - 75 Months)** auto_new_75mo | — APR | 5.990% | 75 mo · new | Standard | | **Used Vehicle (61 - 75 Months)** auto_used_75mo | — APR | 6.240% | 75 mo · used | Standard | | **New Vehicle (76 - 84 Months)** auto_new_84mo | — APR | 6.490% | 84 mo · new | Standard | | **Used Vehicle (76 - 84 Months)** auto_used_84mo | — APR | 7.040% | 84 mo · used | Standard | Ascend Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **3-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 5.500% | — | Standard | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.000% | — | Standard | | **7-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.500% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.000% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.250% | — | Standard | Ascend Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 12.350% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 12.600% | — | Standard | Ascend Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 31 offers | Product | Published | Rate | Term / condition | Status | | **Health Savings Account Rates (Under $9,999.99)** savings | — APY | 0.01% | — | Standard | | **Health Savings Account Rates ($10,000 - $99,999.99)** savings | — APY | 0.05% | — | Standard | | **Health Savings Account Rates ($100,000 - $249,999.99)** savings | — APY | 0.15% | — | Standard | | **Traditional Business Money Market* (Under $2500)** money_market | — APY | 0.20% | — | Eligibility restricted | | **Business Basic Checking** checking | — APY | 0.20% | — | Eligibility restricted | | **Christmas Club** savings | — APY | 0.20% | — | Specialty offer | | **Health Savings Account Rates ($250,000 AND OVER)** savings | — APY | 0.20% | — | Standard | | **Traditional Business Money Market* ($2,500 - $9,999.99)** money_market | — APY | 0.50% | — | Eligibility restricted | | **Traditional Business Money Market* ($10,000 - $99,999.99)** money_market | — APY | 1.30% | — | Eligibility restricted | | **Traditional Business Money Market* ($100,000 - $249,999.99)** money_market | — APY | 1.35% | — | Eligibility restricted | | **Traditional Business Money Market* ($250,000 - $499,999.99)** money_market | — APY | 1.35% | — | Eligibility restricted | | **Traditional Business Money Market* ($2,500,000.00 - $4,999,999.99)** money_market | — APY | 1.35% | — | Eligibility restricted | | **Traditional Business Money Market* ($500,000 - $999,999.99)** money_market | — APY | 1.35% | — | Eligibility restricted | | **Traditional Business Money Market* ($1,000,000.00 - $2,499,999.99)** money_market | — APY | 1.35% | — | Eligibility restricted | | **High-Yield Checking*** checking | — APY | 3.14% | — | Context only | | **High-Yield** savings | — APY | 3.14% | — | Context only | | **The Next Chapter for Ascend and LGE (Checking)** checking | — APY | 3.20% | — | Standard | | **Business High-Yield Money Market** money_market | — APY | 3.25% | — | Eligibility restricted | | **Regular, Business and / or IRA Certificate (3 Months)** ira_cd_3mo | — APY | 3.66% | 3 mo | Eligibility restricted | | **Traditional Business Money Market* ($5,000,000.00 AND OVER)** money_market | — APY | 3.75% | — | Eligibility restricted | | **Regular, Business and / or IRA Certificate (6 Months)** ira_cd_6mo | — APY | 3.82% | 6 mo | Eligibility restricted | | **Regular, Business and / or IRA Certificate (Jumbo 6 Months)** ira_cd_6mo | — APY | 3.87% | 6 mo | Eligibility restricted | | **Regular, Business and / or IRA Certificate (36 Months)** ira_cd_36mo | — APY | 3.92% | 36 mo | Eligibility restricted | | **Regular, Business and / or IRA Certificate (48 Months)** ira_cd_48mo | — APY | 3.97% | 48 mo | Eligibility restricted | | **Regular, Business and / or IRA Certificate (18 Months)** ira_cd_18mo | — APY | 3.97% | 18 mo | Eligibility restricted | | **Regular, Business and / or IRA Certificate (24 Months)** ira_cd_24mo | — APY | 4.02% | 24 mo | Eligibility restricted | | **Regular, Business and / or IRA Certificate (Jumbo 24 Months)** ira_cd_24mo | — APY | 4.07% | 24 mo | Eligibility restricted | | **Regular, Business and / or IRA Certificate (60 Months)** ira_cd_60mo | — APY | 4.07% | 60 mo | Eligibility restricted | | **Regular, Business and / or IRA Certificate (12 Months)** ira_cd_12mo | — APY | 4.20% | 12 mo | Eligibility restricted | | **The Next Chapter for Ascend and LGE (Certificates)** cd | — APY | 4.20% | — | Standard | | **Regular, Business and / or IRA Certificate (Jumbo 12 Months)** ira_cd_12mo | — APY | 4.25% | 12 mo | Eligibility restricted | Ascend Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Ascend Credit Union offers a 5 5 arm mortgage at 6.922% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/ascend) , verified from [Ascend Credit Union's official website](https://ascend.org/) Loading branch locator… ## About Ascend Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 265.5K Assets $4.7B Founded 1951 Locations reported 30 NCUA charter 7397 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Jack Daniel Employees** LYNCHBURG ELEMENTARY SCHOOL BRANCH · LYNCHBURG · TN · 37352-8327 About 10.9 miles away](https://rateapi.dev/credit-unions/tennessee/jack-daniel-employees) [**Heritage South Community CU** Manchester Branch · Manchester · TN · 37355 About 10.9 miles away](https://rateapi.dev/credit-unions/tennessee/heritage-south-community-cu) [**Redstone** Future Shelbyville Branch Office · Shelbyville · TN · 37160-2303 About 17.7 miles away](https://rateapi.dev/credit-unions/alabama/redstone) [**City & County** Murfreesboro · Murfreesboro · TN · 37127 About 30.4 miles away](https://rateapi.dev/credit-unions/minnesota/city-county) [**Tennessee Department of Safety** Location of Records · Lewisburg · TN · 37091 About 33.4 miles away](https://rateapi.dev/credit-unions/tennessee/tennessee-department-of-safety) [**Family Security** Hazel Green · Hazel Green · AL · 35750 About 35.0 miles away](https://rateapi.dev/credit-unions/alabama/family-security) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Ascend Credit Union Membership eligibility from Ascend Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ascend Credit Union's website. Check the membership page below to confirm whether you qualify. - Location franklin, davidson, dickson, marshall, maury, putnam, rutherford, van buren, warren, white — TN - Association The Nature Conservancy (TNC), The Nature Conservancy Verified from [Ascend Credit Union's membership page](https://ascend.org/eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Ascend Credit Union Geography 10 counties · Associations 2 · Family 3 45 published paths to membership, last verified August 27, 2026, quoted from Ascend Credit Union’s own published criteria. ### Geography 10 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Davidson County, TN - Dickson County, TN - Franklin County, TN - Marshall County, TN - Maury County, TN - Putnam County, TN - Rutherford County, TN - Van Buren County, TN - Warren County, TN - White County, TN “If you live, work, worship, or attend school in an area deemed financially underserved by the U.S. government, you’re eligible to join Ascend. All of Franklin County, as well as parts of Davidson, Dickson, Marshall, Maury, Putnam, Rutherford, Van Buren, Warren, and White counties, are considered…” > [source ↗](https://ascend.org/eligibility) ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of The Nature Conservancy (TNC) “All members of The Nature Conservancy (TNC) in Tennessee are eligible to join Ascend. Become a member of TNC by making a one-time contribution of $25 on their website .” > [source ↗](https://ascend.org/eligibility) - Member of The Nature Conservancy (TNC) - Member of The Nature Conservancy “All members of The Nature Conservancy (TNC) in Tennessee are eligible to join Ascend.” > [source ↗](https://ascend.org/eligibility) - Member of The Nature Conservancy ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, parents, grandparents, children, siblings, grandchildren “If someone in your immediate family – spouse, parents, grandparents, children, siblings, or grandchildren, including the same step and adoptive relationships – is an Ascend member, you’re eligible to join.” > [source ↗](https://ascend.org/eligibility) - Family member (spouse, parents, grandparents, children, siblings, grandchildren) of a member - Family of a member household member “Also, if anyone who lives in your household and can demonstrate a degree of permanency is a member of Ascend, you’re eligible to join.” > [source ↗](https://ascend.org/eligibility) - Family member (household member) of a member - Family of a member spouse, parent, grandparent, child, sibling, grandchild, step and adoptive relationships, household member “If someone in your immediate family – spouse, parents, grandparents, children, siblings, or grandchildren, including the same step and adoptive relationships – is an Ascend member, you’re eligible to join. Also, if anyone who lives in your household and can demonstrate a degree of permanency is a…” > [source ↗](https://ascend.org/eligibility) - Family member (spouse, parent, grandparent, child, sibling, grandchild, step and adoptive relationships, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Ascend Credit Union? Yes No ## Work at Ascend Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Ascend Credit Union ranks against Tennessee peers. - See which AI assistants fetched Ascend Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Tennessee - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ascend&state=tennessee&code=TN&name=Ascend%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ascend Credit Union offer? Ascend Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Ascend Credit Union rates updated? RateAPI verifies Ascend Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Ascend Credit Union's rate data? Rate data is collected directly from Ascend Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Ascend Credit Union's mortgage rate? As of November 12, 2026, Ascend Credit Union offers a 5 5 arm mortgage at 6.922% APR. ### Who can join Ascend Credit Union? Ascend Credit Union publishes its membership criteria on its own website. RateAPI tracks 45 published membership paths covering 10 counties and 2 associations for Ascend Credit Union, each quoted from Ascend Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Ascend Credit Union's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee mortgage rate leaders](https://rateapi.dev/mortgage-rates/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Tennessee HELOC rate leaders](https://rateapi.dev/heloc-rates/tennessee) [Tennessee personal loan leaders](https://rateapi.dev/personal-loan-rates/tennessee) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://ascend.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Ascend Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Ascend Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /ascend " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ascend Credit Union locations Search, filter, and browse all 30 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/tennessee/ascend Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp