We have recently seen an increase in fraudulent activity through phishing scams via text message, email and phone.
In order to safeguard your identity and protect your finances, never click unsolicited links or respond to suspicious texts, emails or calls. For more information click here.

Did you know?

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.

Learn More

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!

Learn More

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

Learn More

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.

Learn More


helpful tips

How Much Can I Afford On a Mortgage?

How much can I afford on a mortgage?

When first considering purchasing a home, one of your first and perhaps most difficult questions may be “how much can I afford on a mortgage?” The answer to this question is really a calculation of several factors.

  • Household income
  • Monthly debts (loans, credit card debt, etc.)
  • Savings

What is the Debt-To-Income Ratio?

Also known as the DTI, your debt-to-income ratio is a comparison of your gross (pre-tax) monthly income and your monthly expenses.

It is calculated by:

  • First, adding up your bills, which can include:
  • Current rent or current mortgage
  • Loan payments
  • Credit card
  • Other items owed: other debt, child support, etc.
  • Second, take the total from the first step and divide it by your before-tax-income.
  • Third, whatever your calculation is, you’ll need to put that in the from of a percentage.

What does this mean for my mortgage:

While your credit score could get you qualified at a higher ratio, your mortgage and related costs (taxes and insurance) shouldn’t be higher than 28%.

Calculate how much you can afford

Our simple, easy-to-use mortgage calculator can tell you how much you can afford on a mortgage!

Mortgage Calculator

Discover More

Financial Well-Being

Learn How to Manage Your Money

Financial Well-Being

Learn How to Build Your Credit


Our Suite of Calculators Help Determine Monthly Payments

Altura in the Community

See How We Support Our Local Community

Ready to Apply for a Mortgage Loan?

Apply Now