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Branches will be closed Thursday, July 4, 2019 in observation of Independence Day.

Did you know?

We are always holding giveaways on our Facebook page. Don’t miss out, and check back often.

We volunteer our time, whether it’s fundraising for Habitat for Humanity or helping local teachers makeover their classrooms, we always want to be involved!

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Altura rewards two lucky members every quarter with a cash prize of $1,500. All you have to do is start saving!

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Credit Unions cannot be bought or sold because they are owned by their members. Members are part owners because they have a stake in the company.

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Products

Credit Builder

Options to Build Credit

Credit Builder

Designed for Members who are seeking to rebuild and increase their credit score.  Once the application is approved, funds will be placed into a Share Certificate. You make easy monthly payments and once the loan is paid off, you will have access to the cash.  Credit Builder helps you build up your credit history and your savings at the same time.

Even with a low score you can:

  • Be approved quickly!
  • Borrow up to $3,000.
  • Terms are 12-month, 24-month, & 36-month
Rates Effective Date: December 5, 2019
Type--
Credit BuilderFixed/APR^5.00% above dividend rate being paid on the Share Certificate Account securing the loan

^ APR = Annual Percentage Rate.

To download a Rate Sheet, click here.

Summit Secured Credit Card

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

Credit Builder

Designed for Members who are seeking to rebuild and increase their credit score.  Once the application is approved, funds will be placed into a Share Certificate. You make easy monthly payments and once the loan is paid off, you will have access to the cash.  Credit Builder helps you build up your credit history and your savings at the same time.

Even with a low score you can:

  • Be approved quickly!
  • Borrow up to $3,000.
  • Terms are 12-month, 24-month, & 36-month
Rates Effective Date: December 5, 2019
Type--
Credit BuilderFixed/APR^5.00% above dividend rate being paid on the Share Certificate Account securing the loan

^ APR = Annual Percentage Rate.

To download a Rate Sheet, click here.

Summit Secured Credit Card

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
BRANDON CARILLO | MEMBER SINCE 2018

"Everyone knows my name, everyone is super friendly. They even know what I'm saving for."

WATCH STORY

BRANDON CARILLO TESTIMONIAL

KAREEM GONGORA | MEMBER SINCE 2015

"I ended up applying and literally getting the percentage cut in half as to what was being offered competitively and I ended up going forward and buying a car because...

WATCH STORY

KAREEM GONGORA TESTIMONIAL

KIMBERLY GREEN | MEMBER SINCE 1999

“Their way of greeting you and taking their time— you’re not just a number there. You feel like a person, you feel like you matter.”

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KIMBERLY GREEN TESTIMONIAL

AURELIA TORRES | MEMBER SINCE 1997

“Altura is there for us when we need them with auto loans, any kind of home loans and just great service. When you walk into the branches they’re friendly, professional...

WATCH STORY

AURELIA TORRES TESTIMONIAL

NICOLE MELENDEZ | MEMBER SINCE 2018

“Even if you weren't a member they would gladly help you out. Help you become a member quickly and were there for you, through anything.”

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NICOLE MELENDEZ TESTIMONIAL

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?

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.

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...

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

Determine Monthly Payments for Loans and Mortgages

Altura in the Community

See How We Support Our Local Community

Ready to Start Building Your Credit?

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