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You can customize your debit or credit cards with a second line. Have a favorite nickname, sports team or just something fun you want to include?
Second Line on Debit and Credit Cards - Altura Credit Union

We are always holding giveaways on our Facebook page. Don’t miss out, and check back often.

Altura Credit Union was first opened back in 1957 and has grown to span all across Riverside County.

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We volunteer our time, whether it’s fundraising for Habitat for Humanity or helping local teachers makeover their classrooms, we always want to be involved!

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Altura rewards two lucky members every quarter with a cash prize of $1,500. All you have to do is start saving!

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Credit Unions cannot be bought or sold because they are owned by their members. Members are part owners because they have a stake in the company.

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401(k)/403(b)

If you have a 401(k) or 403(b) with a former employer, you may be paying high administrative fees. Altura can help!

From 401(k) to IRA

Stop paying excessive, and sometimes hidden, administrative fees for your old 401(k) or 403(b)! You can rollover your employer-sponsored investments when you retire, change jobs, or
separate from your job for any other reason. If you choose to rollover your accounts into an IRA, Altura can help widen your investment options. If you cash-out, you’ll probably owe taxes
on the entire amount and may be subject to an early withdrawal penalty. Altura can help you make sure your account remains tax-deferred with no IRS penalties.

Even if you don’t have much money coming in every month, you can still start an investment portfolio with an Automatic Investment Plan. If you have more questions, you can make an appointment with your local CFS financial consultant. Call Member Services at 1-888-883-7228 or visit your local Altura branch.

KAREEM GONGORA | MEMBER SINCE 2015

"I ended up applying and literally getting the percentage cut in half as to what was being offered competitively and I ended up going forward and buying a car because...

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CHERESE CLOSURE | MEMBER SINCE 2015

“With my busy lifestyle and my commute, I am hardly ever at home. Therefore, I am able to take care of all of my banking needs on the website; it’s...

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BRANDON CARILLO | MEMBER SINCE 2018

"Everyone knows my name, everyone is super friendly. They even know what I'm saving for."

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BRANDON CARILLO TESTIMONIAL

AURELIA TORRES | MEMBER SINCE 1997

“Altura is there for us when we need them with auto loans, any kind of home loans and just great service. When you walk into the branches they’re friendly, professional...

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FAQ's

When Can I Withdraw My 403(b)?

You can withdraw your contributions to your 403(b) before you officially retire. However, to avoid a penalty, you must still wait until you are 59 ½. If you retire early (at age 55, for example), you may still be able to withdraw funds without penalty. Regardless of when you retire, you must withdraw the minimum or more by the time you are 70 ½.

What Happens to My 401(k) or 403(b) if I Change Jobs?

Fortunately, if you change jobs, you won’t have to worry about losing your retirement plan. You have the option to roll over your 401(k) or 403(b) into a traditional IRA. If your new employer offers a 401(k) or 403(b) of their own, you can also transfer your retirement savings from your old plan to your new one.

Can I Contribute to Both a 401(k) and 403(b) Plan?

Some employers offer their employees both a 401(k) and 403(b). If your employer does this, you can contribute to both accounts. You must still follow the guidelines about maximum tax- deferred contributions ($19,000 per year, or $25,000 a year if you are over the age of 50). If you have two plans, these numbers are calculated separately.

Disclaimer Information

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC) and SEC Register...

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Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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