We have a Planned System Maintenance scheduled from 10pm on Saturday, February 24th to 4am on Sunday, February 25th. We apologize for any inconvenience this may cause.

Tenemos un mantenimiento del sistema planificado programado desde las 10 p.m. del sábado 24 de febrero hasta las 4 a.m. del domingo 25 de febrero. Pedimos disculpas por cualquier inconveniente que esto pueda causar.

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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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Yazmin Mejia - Member Since 2023
Products

Credit Builder

Yazmin Mejia - Member Since 2023

Building a Better Future

Whether you are looking to establish, improve or rebuild your credit score, Altura has the products to assist you.

Altura has two options for our Members:

  • Credit Builder Loan
  • Summit Secured Card

Start building credit today!

Apply Now

Establish, Improve, Rebuild

Credit Builder Loan

Altura’s Credit Builder Loan is designed for Members seeking to rebuild and increase their credit score, helps establish your credit history while increasing your savings.

  • No Deposit Required
  • No Credit Inquiry
  • Savings Power
  • Stable Payment
  • Less than $90 per month
  • 5% Interest
  • Term Loan
Rates Effective Date: February 23, 2024
Type--
Credit BuilderFixed/APR^5.00% above dividend rate being paid on the Share Certificate Account securing the loan

^ APR = Annual Percentage Rate.

Download a Rate Sheet here: English | Spanish

Summit Secured Card

Altura’s Summit Secured Card, with no credit requirements, can help improve or establish your credit.

  • Deposit Required ($200 min; $3,000 max)
  • Purchasing Power
  • Fluctuating Payment
  • $25 Minimum Payment
  • Variable interest (possibly 0%)*
  • Revolving Line
  • Credit Inquiry Required
Rates Effective Date: February 23, 2024
TypeVariable/APR^
Summit Secured CardAs Low as 17.24%

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

Click here to download the credit card line agreement.

We all know that a low credit score can make your financial life a struggle. A low score affects your ability to borrow. It can make is impossible to secure a loan to buy a home or car, and can even negatively affect employment opportunities. Your score is a 3 digit number and the higher it is, the better your credit is:

720-850     Excellent

690-719     Great

660-689     Good

640-659     Fair

600-639     Poor

Below 599   Very Poor

Some financial institutions will reject consumers on the basis of low credit scores. At Altura Credit Union, we strive to assist those with low credit scores.

Credit Builder Loan

Altura’s Credit Builder Loan is designed for Members seeking to rebuild and increase their credit score, helps establish your credit history while increasing your savings.

  • No Deposit Required
  • No Credit Inquiry
  • Savings Power
  • Stable Payment
  • Less than $90 per month
  • 5% Interest
  • Term Loan
Rates Effective Date: February 23, 2024
Type--
Credit BuilderFixed/APR^5.00% above dividend rate being paid on the Share Certificate Account securing the loan

^ APR = Annual Percentage Rate.

Download a Rate Sheet here: English | Spanish

Summit Secured Card

Altura’s Summit Secured Card, with no credit requirements, can help improve or establish your credit.

  • Deposit Required ($200 min; $3,000 max)
  • Purchasing Power
  • Fluctuating Payment
  • $25 Minimum Payment
  • Variable interest (possibly 0%)*
  • Revolving Line
  • Credit Inquiry Required
Rates Effective Date: February 23, 2024
TypeVariable/APR^
Summit Secured CardAs Low as 17.24%

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

Click here to download the credit card line agreement.

We all know that a low credit score can make your financial life a struggle. A low score affects your ability to borrow. It can make is impossible to secure a loan to buy a home or car, and can even negatively affect employment opportunities. Your score is a 3 digit number and the higher it is, the better your credit is:

720-850     Excellent

690-719     Great

660-689     Good

640-659     Fair

600-639     Poor

Below 599   Very Poor

Some financial institutions will reject consumers on the basis of low credit scores. At Altura Credit Union, we strive to assist those with low credit scores.

YAZMIN MEJIA | MEMBER SINCE 2023

"So now that I've raised my credit with the Credit Builder Loan, I am planning to purchase my dream home. Thank you Altura for helping me build my credit."

WATCH HER STORY

YAZMIN MEJIA'S STORY

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

TERI BARBEAU | MEMBER SINCE 1994

"Altura has been really good to me throughout the years. Whenever I walk into a branch in my area, there's always someone to say, "Hello," as soon as I come...

WATCH HER STORY

TERI BARBEAU'S STORY

FAQs

Am I Too Young to Start Building Credit?

If you’re 18 or over, you’re at the perfect age to start building credit. Altura’s youth accounts make establishing and building credit easy. As long as you are using your credit card responsibly, you’re actually setting yourself up for future success.

How Much will a Foreclosure Affect My Credit Score?

A foreclosure has a significant negative impact on your credit. The higher your credit score was before the foreclosure, the more points you can expect it to drop. For example, if you had a credit score of 680 before the foreclosure, you should expect your credit score to drop below 600 after foreclosure. But if you had a higher credit score of 780 before the foreclosure, your credit score will end up dropping to the low 600s.

Will One Late Payment Affect My Credit Score? (Late Payment Credit Score)

Although one late payment on a loan may not seem like a big deal, it can still have an effect on your credit, especially if the payment is more than 30 days late. If you have a very high credit score (780 or more), your credit will be more severely impacted. For example, a payment that is 30 days late could cause your credit score to drop by 100 points! With the Skip a Payment option, you won’t have to worry about this.

Apply at 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

Disclaimers

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 cri...

READ MORE +

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.

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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

Ready to Start Building Your Credit?

Apply Now