The Ascentra Credit Union is a home equity loan from Ascentra Credit Union. The ongoing APR is 90% LTV: 5 Years 6.00% APR, 10 Years 6.50% APR; 100% LTV: 5 Years 7.50% APR, 10 Years 8.00% APR (Annual Percentage Rate as low as). Loan terms: 5 Years; 10 Years.