Checking and Savings Rates
Rates Effective Date: July 27, 2024
| Account Type | Opening Deposit | Rate | APY^ |
|---|---|---|---|
| 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 | $0 | 0.10% | 0.10% |
| Holiday Savings | $0 | 0.10% | 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...
^ 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.
Prestige Money Market
Rates Effective Date: July 27, 2024
| Balance | Rate | APY^ |
|---|---|---|
| $0.00 – $9,999.99 | 1.14% | 1.15% |
| $10,000.00 – $49,999.99 | 1.24% | 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...
^ 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.
Term Share Certificates
Rates Effective Date: July 27, 2024
| Balance | - | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000.00 – $99,999.99 | Rate/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/APY | 0.60% / 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...
^ 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.
50/50 Share Certificates
Rates Effective Date: July 27, 2024
| Balance | - | 50/50^^ |
|---|---|---|
| $1,000.00 – $99,999.99 | Rate/APY^ | 0.70% / 0.70% |
| $100,000.00+ | Rate/APY | 0.80% / 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 ...
^ 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.
Consumer Loans
Rates Effective Date: July 27, 2024
| Loan Type | APR^ |
|---|---|
| New Auto Loans (2023-2024 Model Years)* | 5.99%* |
| Used Auto Loans (2022 & Older Model Years)* | 6.49%* |
| New Motorhome/RV Loans | 7.75% |
| Used Motorhome/RV Loans | 8.25% |
| New Boat Loans | 8.99% |
| Used Boat Loans | 9.49% |
| New Motorcycle Loans | 8.25% |
| Used Motorcycle Loans | 9.25% |
| New Toys & Misc. | 8.99% |
| Used Toys & Misc. | 10.25% |
| Signature Loan - 24 months | 11.99% |
| Signature Loan - 36 months | 12.49% |
| Signature Loan - 48 months | 13.49% |
| Signature Loan - 60 months | 15.49% |
^ 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...
^ 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.
Savings Secured Loans
Rates Effective Date: July 27, 2024
| Type | ||
|---|---|---|
| Share Secured | Variable / APR^ | 3.00% above dividend rate being paid on the Share Account securing the loan |
| Certificate Secured | Fixed / APR | 3.00% above dividend rate being paid on the Share Certificate Account securing the loan |
| Credit Builder | Fixed / APR | 5.00% above dividend rate being paid on the Share Certificate Account securing the loan |
Credit Cards
Rates Effective Date: July 27, 2024
| Type | Variable/APR^ |
|---|---|
| Credit Cards | As low as 14.24% |
^ Variable Rate indexed to the Prime Rate. APR = Annual Percentage Rate.
Home Equity & Mortgage Loans
Rates Effective Date: July 27, 2024
| Loan Type | Rate | Variable | APR^ | Index^^ | Margin |
|---|---|---|---|---|---|
| Home Equity Line of Credit Owner Occupied^ | - | 9.750% | 9.779% | 8.500% | 1.250% |
| Home Equity Closed-End Loans Owner Occupied^ | 8.87% | - | 8.90% | - | - |
^ 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
Savings and Checking Business Accounts
Rates Effective Date: July 27, 2024
| Account Type | Opening Deposit | Rate | APY^ |
|---|---|---|---|
| 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% |
Business Prestige Money Market
Rates Effective Date: July 27, 2024
| Balance | Rate | APY^ |
|---|---|---|
| $0.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $24,999.99 | 0.20% | 0.20% |
| $25,000.00+ | 0.20% | 0.20% |
Business Certificate Accounts
Rates Effective Date: July 27, 2024
| Balance | - | 3 Months | 6 Months | 12 Months | 24 Months | 36 months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000-$99,999.99 | Rate/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/APY | 0.60% / 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 ...
^ 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.