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In observance of the July 4th holiday, all of our branches and call center will be closed on Saturday.

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With Altura Auto Loans take advantage of our low rates plus enjoy 90 days without a payment.

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Our latest giveaway with Mastercard: From now until the end of 2019, any member that swipes their debit or credit card will be entered in for a monthly $1,000 raffle!

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Alondra King - Member Since 2015
Products

Auto Loans

Ricardo Villalpando - Member Since 2017

Buy Your Dream Car

Altura values our Member relationships, so we offer an automatic .50% rate discount to Members who have full payroll direct deposit and automatic payment withdrawals from their Altura checking or savings account. You can also receive an additional .25% off your rate when you use Auto Expert to find your car and no payment for 100 days* if financed during the promotional period, ending August 30th. You can also skip one payment per loan per year using our Skip-A-Pay feature!**

Loan Options

Credit Union Auto Loan Interest Rates

Altura Credit Union offers financing on new and used cars, including tax, license and after-market products. You can use an Altura auto loan to purchase a new vehicle for yourself, or refinance an existing car.

Rates Effective Date: August 11, 2020
Loan Type36 Months48 Months60 Months72 Months84 Months
New Auto Loans - APR*2.29%2.29%2.29%2.49%3.69%
Used Auto Loans - APR*2.49%2.49%2.49%2.69%3.89%

*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 va...

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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. No payments for the first 100 days if financed during the promotional period. Interest will accrue until the time of first payment. If you have took out an Altura Credit Union loan within the last 60 days, you may not qualify for this loan. * Zero down on approved credit. This offer is not valid for refinancing an existing Altura Credit Union loan unless a minimum of $2,500 cash out is taken on the vehicle. Promotional period ends August 30, 2020. Other restrictions may apply. Maximum limit of $150,000 aggregate total secured debt excluding real estate.

** To use the Skip a Payment feature, your account must remain in good standing and your loan must have a payment history of at least six months. An accompanying $25 fee is assessed in instances where the Skip a Payment feature is used. This feature is available on loans financed through Altura Credit Union, excluding Home Equity, HELOC, and credit card loans.

READ LESS -

Recreational Vehicle Loan

Why wait to take your next adventure? Get that R.V. you’ve always wanted with our recreational vehicle loan. Altura Credit Union offers competitive financing on recreational vehicles, including tax and license. Altura offers flexible loan terms to fit your budget.

Rates Effective Date: August 11, 2020
Loan TypeRateAPR^
New Motor Home/ RV Loans6.49%6.49%
Used Motor Home/RV Loans6.99%6.99%

^ APR=Annual Percentage Rate.

To download a Rate Sheet, click here.

Toy Loan

With Altura’s Toy Loan we want you to finally make that purchase that you have been putting off.  Altura Credit Union offers competitive financing on Toy Loans. These include new boats, motorcycles, jet skis, quad-runners and more.  Take advantage of the competitive financing options for assorted budgets. Altura is here to lower your monthly payments to make it possible to put some extra money in your pocket.

 

Rates Effective Date: August 11, 2020
Loan TypeRateAPR^
New Boat Loans7.99%7.99%
Used Boat Loans8.05%8.05%
New Motorcycle Loans6.99%6.99%
Used Motorcycle Loans7.99%7.99%

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

To download a Rate Sheet, click here.

First-Time Auto Buyer Program

Everyone has to start somewhere, and we understand that. If you have little to no credit, we have just the right thing for you. Altura’s First time Auto Buyer Program is designed for those who have little to no credit and are ready to buy their first car. To make it even easier, we offer Auto Expert which will find the car that best suits you and your budget.

Some of our First-Time Auto Buyer features include:

  • Competitive Rates
  • Skip-A-Pay: skip one monthly payment per year!
  • Save time and money when you use our car locator service and get a .25% discount on your interest rate

Credit Union Auto Loan Interest Rates

Altura Credit Union offers financing on new and used cars, including tax, license and after-market products. You can use an Altura auto loan to purchase a new vehicle for yourself, or refinance an existing car.

Rates Effective Date: August 11, 2020
Loan Type36 Months48 Months60 Months72 Months84 Months
New Auto Loans - APR*2.29%2.29%2.29%2.49%3.69%
Used Auto Loans - APR*2.49%2.49%2.49%2.69%3.89%

*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 va...

READ MORE +

*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. No payments for the first 100 days if financed during the promotional period. Interest will accrue until the time of first payment. If you have took out an Altura Credit Union loan within the last 60 days, you may not qualify for this loan. * Zero down on approved credit. This offer is not valid for refinancing an existing Altura Credit Union loan unless a minimum of $2,500 cash out is taken on the vehicle. Promotional period ends August 30, 2020. Other restrictions may apply. Maximum limit of $150,000 aggregate total secured debt excluding real estate.

** To use the Skip a Payment feature, your account must remain in good standing and your loan must have a payment history of at least six months. An accompanying $25 fee is assessed in instances where the Skip a Payment feature is used. This feature is available on loans financed through Altura Credit Union, excluding Home Equity, HELOC, and credit card loans.

READ LESS -

Recreational Vehicle Loan

Why wait to take your next adventure? Get that R.V. you’ve always wanted with our recreational vehicle loan. Altura Credit Union offers competitive financing on recreational vehicles, including tax and license. Altura offers flexible loan terms to fit your budget.

Rates Effective Date: August 11, 2020
Loan TypeRateAPR^
New Motor Home/ RV Loans6.49%6.49%
Used Motor Home/RV Loans6.99%6.99%

^ APR=Annual Percentage Rate.

To download a Rate Sheet, click here.

Toy Loan

With Altura’s Toy Loan we want you to finally make that purchase that you have been putting off.  Altura Credit Union offers competitive financing on Toy Loans. These include new boats, motorcycles, jet skis, quad-runners and more.  Take advantage of the competitive financing options for assorted budgets. Altura is here to lower your monthly payments to make it possible to put some extra money in your pocket.

 

Rates Effective Date: August 11, 2020
Loan TypeRateAPR^
New Boat Loans7.99%7.99%
Used Boat Loans8.05%8.05%
New Motorcycle Loans6.99%6.99%
Used Motorcycle Loans7.99%7.99%

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

To download a Rate Sheet, click here.

First-Time Auto Buyer Program

Everyone has to start somewhere, and we understand that. If you have little to no credit, we have just the right thing for you. Altura’s First time Auto Buyer Program is designed for those who have little to no credit and are ready to buy their first car. To make it even easier, we offer Auto Expert which will find the car that best suits you and your budget.

Some of our First-Time Auto Buyer features include:

  • Competitive Rates
  • Skip-A-Pay: skip one monthly payment per year!
  • Save time and money when you use our car locator service and get a .25% discount on your interest rate

Relationship Discount

Save an automatic .50% on your auto loan rate for Members who have full payroll direct deposit and automatic payment withdrawals from their Altura checking or savings account.

Debt Cancellation

Debt Cancellation protects you in the event of involuntary unemployment, disability or your heirs in the event of an untimely death.

Mechanical Breakdown Insurance

Altura offers Mechanical Breakdown Insurance to cover the smaller car repairs that regular car insurance won’t cover.

GAP Insurance

This insurance is to help you pay off your auto loan in the event of a total loss vehicle.

ALONDRA KING | MEMBER SINCE 2017

"I decided to refinance with Altura Credit Union. The process was very easy and they really take care of everything for you."

WATCH HER STORY

ALONDRA KING'S STORY

RICARDO VILLALPANDO | MEMBER SINCE 2017

"I became an Altura Member because I saw the opportunities that they had and the great rates that they were offering."

WATCH HIS STORY

RICARDO VILLALPANDO'S STORY

JAY GREENBERG | MEMBER SINCE 1998

"Altura makes the auto loan process super simple, fast, no-hassle, and their rates are also really great."

WATCH HIS STORY

JAY GREENBERG'S STORY

Auto Loan Benefits

Skip-A-Pay Program

For a small fee, you can skip one auto loan payment per year, per qualifying loan so long as your account is in good standing.

Let’s Talk Discounts

Save More With Our Relationship Discount

Set up direct deposit with auto transfer to receive 0.5% discount on your auto loan interest rate.

Let’s Talk Discounts

Use Altura Auto Expert

Save an additional .25% off your auto loan rate and no payment for 90 days when you use our auto buying service, Auto Expert!

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Financial Well-Being

FAQs

Can I Make My Monthly Payments with an Automated Debit from My Checking Account?

Automated monthly payments are available. At the loan closing, an automated payment application will be provided. Simply return it at your earliest convenience to enroll in the automated payment program.

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Financial Well-Being

Learn How to Manage Your Money

Financial Well-Being

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Calculators

Determine Monthly Payments for Loans and Mortgages

Altura in the Community

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Are You Ready to Drive Your Dream Car?

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