In honor of Veterans Day, Altura Credit Union branches will be closed on Monday, November 11. Online Banking, the mobile app, and our ATMs will be available for your convenience. Thank you.

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Forget generic plastic, go wild! Nicknames, teams, or just a sprinkle of you – personalize your Altura cards with a second line and make them truly yours.
Second Line on Debit and Credit Cards - Altura Credit Union

Six decades of unwavering service, six decades of dreams realized. Altura’s legacy is etched throughout Riverside County.

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Building stronger futures, brick by brick and lesson by lesson, Altura fuels community through volunteerism.

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Boost your savings, boost your luck! Altura rewards $1,500 to two lucky savers every quarter – could you be next?

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Credit Unions are financial cooperatives because they are owned by their members. Each member has an ownership share in the credit union.

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Rates

Checking and Savings Rates

Rates Effective Date: November 9, 2024
Account TypeOpening DepositRateAPY^
Ascend Checking - Average daily balance of $0.00 to $9,999.99$25.00+0.00%0.00%
Ascend Checking – Average daily balance of $10,000.00 to $49,999.99$25.00+0.05%0.05%
Ascend Checking – Average daily balance of $50,000.00 and higher$25.00+0.20% 0.20%
Regular Share Savings$25.00+0.10%0.10%
Side Share$00.10%0.10%
Holiday Savings$00.10%0.10%
Wealth Builder^^$10,000+0.60%0.60%

^ APY = Annual Percentage Yield.

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

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^ APY = Annual Percentage Yield.

^^ 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 carry investment risk including possible loss of principal. Investment Representatives are registered through CFS. Altura Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. To earn the stated rate, the WealthBuilder account has to have a minimum of ten (10) debit card transactions per month and a minimum daily balance of $10,000. For any month in which the transaction activity threshold is not met, the rate for that month will default to 0.20% on balances for the previous month. For any month in which the minimum balance requirement is not met, the rate for that month will default to 0.00% on balances for the previous month.

Download a Rate Sheet here: English | Spanish

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Prestige Money Market

Rates Effective Date: November 9, 2024
BalanceRateAPY^
$0.00 – $9,999.991.14%1.15%
$10,000.00 – $49,999.991.24%1.25%
$50,000.00+1.54%1.55%

^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card tr...

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^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card transactions, your balance will earn the dividend rate stated on the current rate sheet. If you have less than ten debit card transactions during the month, your balances will earn the Smart Money Market rate for that month as stated on the current rate sheet. Dividends and fee postings are not considered checking account transactions. Qualifying debit card transactions include signature and PIN-based point of sale. APY= Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. See our Schedule of Fees (AlturaCU.com/disclosures) for additional details. A one-time membership fee applies for non-members. You must maintain a minimum daily balance of $2,500 to avoid a monthly fee.

Download a Rate Sheet here: English | Spanish

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Term Share Certificates

Rates Effective Date: November 9, 2024
Balance-3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 – $99,999.99Rate/APY^0.50% / 0.50%0.55% / 0.55%0.65% / 0.65%0.80% / 0.80%0.85% / 0.85%1.04% / 1.05%1.24% /
1.25%
$100,000.00+Rate/APY0.60% / 0.60%0.65% / 0.65%0.75% / 0.75%0.90% / 0.90%0.95% / 0.95%1.14% / 1.15%1.34% / 1.35%

^ APY = Annual Percentage Yield

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to c...

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^ APY = Annual Percentage Yield

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to change without notice. All dividends are calculated daily & paid monthly.

Fees may reduce earnings.

Download a Rate Sheet here: English | Spanish

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50/50 Share Certificates

Rates Effective Date: November 9, 2024
Balance-50/50^^
$1,000.00 – $99,999.99Rate/APY^0.70% / 0.70%
$100,000.00+Rate/APY0.80% / 0.80%

^ APY = Annual Percentage Yield.

^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be ...

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^ APY = Annual Percentage Yield.

^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be 24 years of age or younger. Minimum $5.00 deposits allowed throughout certificate term.

Download a Rate Sheet here: English | Spanish

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Consumer Loans

Rates Effective Date: November 9, 2024
Loan TypeAPR^
New Auto Loans (2024-2025 Model Years)*5.89%*
Used Auto Loans (2023 & Older Model Years)*6.29%*
New Motorhome/RV Loans7.75%
Used Motorhome/RV Loans8.25%
New Boat Loans8.99%
Used Boat Loans9.49%
New Motorcycle Loans 8.25%
Used Motorcycle Loans9.25%
New Toys & Misc.8.99%
Used Toys & Misc. 10.25%
Signature Loan - 24 months11.99%
Signature Loan - 36 months12.49%
Signature Loan - 48 months13.49%
Signature Loan - 60 months15.49%

^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may v...

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^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may vary depending on approved loan amount and term. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.

*  = Rate shown is at a 60 month term. Lower rates available on shorter terms. Longer terms and used auto rates are available.

Download a Rate Sheet here: English | Spanish

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Savings Secured Loans

Rates Effective Date: November 9, 2024
Type
Share SecuredVariable / APR^3.00% above dividend rate being paid on the Share Account securing the loan
Certificate SecuredFixed / APR3.00% above dividend rate being paid on the Share Certificate Account securing the loan
Credit Builder Fixed / APR5.00% above dividend rate being paid on the Share Certificate Account securing the loan

^ APR = Annual Percentage Rate.

Download a Rate Sheet here: English | Spanish

Credit Cards

Rates Effective Date: November 9, 2024
TypeVariable/APR^
Credit CardsAs low as 13.74%

^ Variable Rate indexed to the Prime Rate. APR = Annual Percentage Rate.

Click here to review the Credit Card Disclosures

Home Equity & Mortgage Loans

Rates Effective Date: November 9, 2024
Loan TypeRateVariableAPR^Index^^Margin
Home Equity Line of Credit Owner Occupied^-9.250%9.278%8.000%1.250%
Home Equity Closed-End Loans Owner Occupied^8.92%-8.95%--

^ APR=Annual Percentage Rate. Rates are subject to change without notice.

^^ Variable Rate indexed to the Prime Rate

Download a Rate Sheet here: READ MORE +

^ APR=Annual Percentage Rate. Rates are subject to change without notice.

^^ Variable Rate indexed to the Prime Rate

Download a Rate Sheet here: English | Spanish

To download the Important Terms of our HELOC, click here.

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Savings and Checking Business Accounts

Rates Effective Date: November 9, 2024
Account TypeOpening DepositRateAPY^
Business Savings$1,000.00+0.10%0.10%
Basic Business Checking$100.00+0.05%0.05%
Club Business Checking$100.00+0.05%0.05%

^ APY= Annual Percentage Yield. Rates are subject to change without notice.

Download a Rate Sheet here: English | Spanish

Business Prestige Money Market

Rates Effective Date: November 9, 2024
BalanceRateAPY^
$0.00 – $2,499.99 0.15%0.15%
$2,500.00 – $24,999.990.20%0.20%
$25,000.00+0.20%0.20%

^ APY = Annual Percentage Yield.

Download a Rate Sheet here: English | Spanish

Business Certificate Accounts

Rates Effective Date: November 9, 2024
Balance-3 Months6 Months12 Months24 Months36 months48 Months60 Months
$1,000-$99,999.99Rate/APY^0.50% /
0.50%
0.55% /
0.55%
0.65% /
0.65%
0.80% /
0.80%
0.85% /
0.85%
1.04% /
1.05%
1.24% /
1.25%
$100,000.00+Rate/APY0.60% /
0.60%
0.65% /
0.65%
0.75% /
0.75%
0.90% /
0.90%
0.95% /
0.95%
1.14% /
1.15%
1.34% /
1.35%

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to ...

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^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to change without notice. All dividends are calculated daily & paid monthly.

Fees may reduce earnings.

Penalties for early withdrawals.

Download a Rate Sheet here: English | Spanish

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