Loans & Credit Cards

Credit Builder Credit Card and Certificate of Deposit

Altura has two options for our Members when it comes to rebuilding credit. A higher score helps your ability to borrow; it can make it possible to secure a loan and easier to buy a home or car.

First option – Certificate of Deposit

Rates Effective Date:

Type _ _
Credit Builder Fixed / APR 5.00% above dividend rate being paid on the Share Certificate Account securing the loan

How it works:

The money you deposit is placed into a CD; we call them Share Certificates. You make easy monthly payments and once the loan is paid off, you will have access to the cash. Even with a low score you can:

• Be approved quickly!
• Borrow up to $3,000.
• Get a very competitive rate.

Second option – Summit Secured Credit Card

Rebuild Credit

We look at a low credit score and see an opportunity to help. The Summit Secured card is designed for people who need to rebuild credit scores that have dropped dramatically. It can also be used by people who have a decent score they want to make even better.

Be approved quickly Competitive rates.
Rebuild credit quickly. Limit your daily spending to ensure healthy balance.


Where does your score stand?

720-849…….Excellent
690-719…….Great
660-689…….Good
640-659…….Fair
600-639…….Poor
Below 599…Very Poor

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

All loans are subject to credit approval. Membership eligibility required. No loan processing fee is required. The rate will be based on criteria such as credit score, credit history and payment method. All rates are subject to change without notice. Other restrictions may apply. For fees and complete account details, view the Schedule of Fees and Credit Builder Share Certificate Disclosure.

A one-time membership fee applies for non-members.