Beware of tax scams this tax season. Scammers can trick you by pretending to be from the IRS or tax agencies. Stay safe and informed with Altura’s Member Guide and Tips. To learn more, click here

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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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Gabriela Hanson - Member Since 2002

Checking Accounts

Compare Checking Accounts

Minimum Opening Deposit
Ways To Avoid Monthly Fee
Monthly Fee
Unlimited Check Writing
Earns Dividends*
Free Web Bill Pay
Free Money Orders
Free Checks
Daily ATM Withdrawal Limit

Learn More About Our Personal Accounts

Ascend Checking

Ascend Checking is our free personal checking account that will not have any monthly maintenance fees, ever. Whether you are just starting your financial journey or reaching the age where a fixed income is a reality, Ascend will grow with you and provide amazing benefits along the way:

  • No monthly maintenance fee. No gimmicks. Ever.
  • Free credit score, monitoring and reporting. Updated daily.
  • Dividends earned on higher balances.
  • ID theft protection.

To go along with your Ascend Checking account, you receive free credit score, report and monitoring** as well as free Identity Theft Protection. To take advantage of Mastercard free Identity Theft Protection, click here to learn more and enroll.

As an Altura Debit cardholder, you get a variety of different benefits with your Mastercard. Click here for the full benefits guide.

Rates Effective Date: March 18, 2024
AccountOpening 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%

^ APY = Annual Percentage Yield.

Download a Rate Sheet here: English | Spanish

*The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an average daily balance of $50,000.00 during the statement cycle. Any account not qualifying for Tier I or Tier II will not earn dividends. Waived Fee for Cashiers Checks and Money Orders for Tier I or Tier II.

**Active Membership (5 swipes or loan) required for anytime credit score.

Wealth Builder Checking

This product is perfect for simplifying and organizing your finances. This high-rate liquid checking account is great for merging existing CDs, Savings and Money Markets into a Checking Account that earns a great yield.

  • No monthly fee with a minimum daily balance of $10,000.
  • Minimum opening deposit is $10,000 new money and a minimum investment of $50,000 with CFS, Wealth Management.
  • No per-check charges
  • Free Money Orders and Cashier’s Checks
Rates Effective Date: March 18, 2024
Account TypeOpening DepositRateAPY^
Wealth Builder^^$10,000+0.60%0.60%

$10,000 minimum daily balance required to earn dividends (minimum of ten (10) debit card transactions per month in order to receive stated rate and a $50,000.00+ CFS relationship required.

^ APY = Ann...

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$10,000 minimum daily balance required to earn dividends (minimum of ten (10) debit card transactions per month in order to receive stated rate and a $50,000.00+ CFS relationship required.

^ 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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MyMoney Checking

When you’re just starting out, you don’t need a super complicated checking account. If you’re between the ages of 12 and 17, you qualify for a youth account through Altura. This is a simple account that gives you the opportunity to learn how to manage your money.

Features:

  • Comes with a debit MasterCard
  • Online account access with E-Statements
  • No monthly fee
  • No minimum balance

Ascend Checking

Ascend Checking is our free personal checking account that will not have any monthly maintenance fees, ever. Whether you are just starting your financial journey or reaching the age where a fixed income is a reality, Ascend will grow with you and provide amazing benefits along the way:

  • No monthly maintenance fee. No gimmicks. Ever.
  • Free credit score, monitoring and reporting. Updated daily.
  • Dividends earned on higher balances.
  • ID theft protection.

To go along with your Ascend Checking account, you receive free credit score, report and monitoring** as well as free Identity Theft Protection. To take advantage of Mastercard free Identity Theft Protection, click here to learn more and enroll.

As an Altura Debit cardholder, you get a variety of different benefits with your Mastercard. Click here for the full benefits guide.

Rates Effective Date: March 18, 2024
AccountOpening 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%

^ APY = Annual Percentage Yield.

Download a Rate Sheet here: English | Spanish

*The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an average daily balance of $50,000.00 during the statement cycle. Any account not qualifying for Tier I or Tier II will not earn dividends. Waived Fee for Cashiers Checks and Money Orders for Tier I or Tier II.

**Active Membership (5 swipes or loan) required for anytime credit score.

Wealth Builder Checking

This product is perfect for simplifying and organizing your finances. This high-rate liquid checking account is great for merging existing CDs, Savings and Money Markets into a Checking Account that earns a great yield.

  • No monthly fee with a minimum daily balance of $10,000.
  • Minimum opening deposit is $10,000 new money and a minimum investment of $50,000 with CFS, Wealth Management.
  • No per-check charges
  • Free Money Orders and Cashier’s Checks
Rates Effective Date: March 18, 2024
Account TypeOpening DepositRateAPY^
Wealth Builder^^$10,000+0.60%0.60%

$10,000 minimum daily balance required to earn dividends (minimum of ten (10) debit card transactions per month in order to receive stated rate and a $50,000.00+ CFS relationship required.

^ APY = Ann...

READ MORE +

$10,000 minimum daily balance required to earn dividends (minimum of ten (10) debit card transactions per month in order to receive stated rate and a $50,000.00+ CFS relationship required.

^ 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

READ LESS -

MyMoney Checking

When you’re just starting out, you don’t need a super complicated checking account. If you’re between the ages of 12 and 17, you qualify for a youth account through Altura. This is a simple account that gives you the opportunity to learn how to manage your money.

Features:

  • Comes with a debit MasterCard
  • Online account access with E-Statements
  • No monthly fee
  • No minimum balance

Payroll Direct Deposit

An easy and safe way for your employer to instantly deposit your funds on payday.

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Overdraft Protection

A backup to ensure that all your transactions are paid.

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Debit Card

Get convenient access to your checking account and link to Apple, Android and Samsung Pay.

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Shared Branching/CO-OP ATMs

Altura’s many shared branches and ATM locations make it easy for you to bank from almost anywhere.

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Check Orders

Check styles and accessories for personality!

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Official Bank Checks

A more widely-accepted and safer alternative to personal checks.

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Money Orders

A prepaid payment method with the convenience of a personal check but with
more security.

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Wire Transfers

The ability to send and receive electronic payments from just about anywhere.

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Lost/Stolen Credit Cards

An understanding staff that will act fast to protect your accounts
and identity.

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Courtesy Pay

Protection against insufficient funds for Altura members use who payroll direct
deposit.

LEARN MORE
GABRIELA HANSON | MEMBER SINCE 2002

"Thank you Altura, for making me feel like I'm family and not just a number. You guys have always been there for me, from 20 years ago up until now."

WATCH HER STORY

GABRIELA HANSON'S STORY

SARAH JOHNSON | MEMBER SINCE 2017

“With my Ascend checking account, I'm also able to check my credit score, which is on my app, and do everything at once.”

WATCH HER STORY

SARAH JOHNSON'S STORY

CATHERINE CEE | MEMBER SINCE 2017

"I have been a Member since 2017. I love them because they are real people. I'm just grateful to be a part of Altura Credit Union."

WATCH STORY

CATHERINE CEE'S STORY

MASTERCARD FEATURE

Secure Remote Commerce

In an effort to combat e-commerce fraud and streamline the online checkout process, Mastercard is now offering a new online checkout process called SRC (Secure Remote Commerce). There is a simple, one-time enrollment process that takes just a couple of minutes. Click the button below to start the enrollment process with Mastercard:

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Learn About How to be More Financially Fit

Financial Well-Being

Frequently Asked Questions

What Can I Do with a Checking Account?

With a checking account, you can make deposits and withdrawals. When you set up payroll direct deposit (PDD) with your account, your paychecks will automatically be deposited to your checking account. You can access this money by writing checks, using your debit card, making withdrawals, and more.

Do You Offer Second-Chance Checking Accounts?

If you don’t qualify for our standard checking accounts, a Reliance Checking Account is where you begin. After one year of positive account activity, and after having paid off any outstanding checking account related debt, you’ll be eligible to move up to a Ascend Checking Account.

Learn More

How Do I Find My Checking Account Number or the Account Number on a Check?

Although they vary in length, checking account numbers are usually between eight and twelve digits long. This number identifies your personal account. You can find your checking account number by looking at one of your personal checks. It will be the second (middle) set of numbers on the bottom of every check. You can also find your account number through online and mobile banking.

What is a Routing Number? (How Do You Get Your Routing Number)

An ABA routing number is a nine-digit number that identifies the financial institution where you have your checking account. You’ll need your routing number when you’re making payments online or over the phone. To figure out your routing number, look at the bottom of your personal checks. It is the first group of numbers on the far left.

Altura’s routing number is 322281235.

Visit a Local Branch

RIVERSIDE, CA

14th Street Branch

3451 14th Street Riverside CA 92501

WILDOMAR, CA

Bear Creek Branch

36068 Hidden Springs Road Unit 9 Wildomar CA 92595

Moreno Valley, CA

Cactus Branch

23540 Cactus Avenue Moreno Valley CA 92553

RIVERSIDE, CA

Canyon Springs Branch

2692 Canyon Springs Parkway Ste C Riverside CA 92507

COACHELLA, CA

Coachella Branch

50057 Cesar Chavez, Suite A, Coachella, CA 92236

Corona, CA

Corona Lincoln Branch

650 S. Lincoln Ste 101 Corona CA 92882

Corona, CA

Corona Plaza Branch

2331 Compton Avenue Corona CA 92881

EASTVALE, CA

Eastvale Branch

5010 Hamner Ave, Unit 120, Eastvale, CA 91752

Indio, CA

Indio Branch

81096 Hwy 111 Indio CA 92201

RIVERSIDE, CA

Magnolia Branch

10725 Magnolia Avenue Riverside CA 92505

Murrieta, CA

Murrieta Branch

40412 Murrieta Hot Springs Road Murrieta CA 92563

PERRIS, CA

Perris Branch

2570 N Perris Blvd, Suite 101, Perris, CA 92571

Rancho Mirage, CA

Rancho Mirage Branch

72877 Dinah Shore Dr Suite 100, Rancho Mirage, CA 92270

RIVERSIDE, CA

Riverside Avenue Branch

6403 Riverside Avenue Riverside CA 92506

SAN JACINTO, CA

San Jacinto Branch

1821 S. San Jacinto Avenue, Suite G, San Jacinto, CA 92583

FRENCH VALLEY, CA

Silver Hawk Branch

38995 Sky Canyon Drive Murrieta, CA 92563

Moreno Valley, CA

Stoneridge Branch

27130 Eucalyptus Avenue, Ste E Moreno Valley CA 92555

Banning, CA

Sun Lakes Branch

300 S. Highland Springs Avenue Banning CA 92220

RIVERSIDE, CA

University Avenue Branch

1616 University Avenue Riverside CA 92507

Hemet, CA

West Hemet Branch

320 S. Sanderson Avenue Hemet CA 92545

WOODCREST, CA

Woodcrest Branch

17094 Van Buren Blvd, Riverside, CA 92504

DISCLAIMER INFORMATION

*The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an av...

READ MORE +

*The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an average daily balance of $50,000.00 during the statement cycle. Any account not qualifying for Tier I or Tier II will not earn dividends. Waived Fee for Cashiers Checks and Money Orders for Tier I or Tier II.

**Active Membership (5 swipes or loan) required for anytime credit score.

READ LESS -

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Financial Well-Being

Learn How to Manage Your Money

Financial Well-Being

Learn How to Build Your Credit

Calculators

Our Suite of Calculators Help Determine Monthly Payments

Altura in the Community

See How We Support Our Local Community

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