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Our Call Center and Online Chat will be unavailable after 5:00pm on Thursday, Feb. 20th. They will resume their regular hours of operation on Friday, Feb. 21st. We apologize for any inconvenience this may cause.

Did you know?

You can customize your debit or credit cards with a second line. Have a favorite nickname, sports team or just something fun you want to include?
Second Line on Debit and Credit Cards - Altura Credit Union

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

Altura Credit Union was first opened back in 1957 and has grown to span all across Riverside County.

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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 Cards

Rewards Credit Card

Competitive Rate
No Annual Fee
Earn Points - Redeem & Pay with Rewards
Pay with Mobile
Microchip Tech
24/7 Fraud Protection
No Interest for 25 Days on Purchases***
Uphora Rewards Card
Competitive Rate

Feature Available Icon - Altura Credit Union

No Annual Fee

Feature Available Icon - Altura Credit Union

Earn Points - Redeem & Pay with Rewards

Feature Available Icon - Altura Credit Union

Pay with Mobile

Feature Available Icon - Altura Credit Union

Microchip Tech

Feature Available Icon - Altura Credit Union

24/7 Fraud Protection

Feature Available Icon - Altura Credit Union

No Interest for 25 Days on Purchases***

Feature Available Icon - Altura Credit Union

Credit Card Options

uphora Rewards Card

Every uphora card comes with MasterCard Rewards, so you can earn points and redeem them for merchandise, cash back, travel, and more! You can track your rewards using the MasterCard Rewards App. You’ll also qualify for auto rental coverage for damage, collision, and theft. With our special welcome offer, you can get 20,000 reward points when you spend $2,000 in your first 90 days.*

Already have a uphora rewards card? Click here to register.

Welcome Offer – Get 20,000 Reward Points When You Spend $2,000 in the first 90 days *

  • 24/7 fraud protection tracking to keep an eye out for unusual (and suspicious) activity.
  • Account Alerts to help you manage your credit account. Choose either email or text delivery.
  • Pay with reward points using MasterCard Rewards or get cash back.
  • Keep track of your reward points in real time through the MasterCard Rewards App.
  • Get auto rental coverage for damage, collision and theft.
  • Buy with confidence – our cards offer extended warranty coverage.
Rates Effective Date: February 21, 2020
TypeVariable/APR^
uphora Rewards Credit CardAs Low as 13.49%

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

To download a Rate Sheet, click here.

 

*Anywhere MasterCard is accepted. ”Spend and Get” promotional offer valid for 90 days from the first transaction. Eligible Transactions: Transaction Types Purchases and Returns (Refer to MasterCard Rewards Disclosure 5 and 6), Transactions that accrue base points. When the cumulative spend on a card is greater than or equal to $2,000 and meeting the above criteria, a one-time adjustment for 20,000 points will be awarded. All loans are subject to credit approval. Membership eligibility required. Other restrictions may apply. For full disclosure and program details visit AlturaCU.com/uphora © 2020 MasterCard. MasterCard, MasterCard Pay with Rewards and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Summit Card

Unlike uphora, the Summit Card is not a rewards card. It’s perfect if you usually have a high monthly balance. For information on rates, click here.

  • 24/7 fraud protection tracking to keep an eye out for unusual (and suspicious) activity.
  • Account Alerts to help you manage your credit account. Choose either email or text delivery.
  • Perfect for high balance transfers.
  • Buy with confidence – our cards offer extended warranty coverage.
Rates Effective Date: February 21, 2020
TypeVariable/APR^
Summit Credit CardAs Low as 10.49%

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

To download a Rate Sheet, click here.

Summit Secured Card

Summit Secured is perfect if you need to rebuild your credit score. It’s also great if you have a mediocre credit score that you want to improve. With Summit Secured, you can get approved and start rebuilding credit quickly. Just make sure you limit your daily spending.

  • Be approved quickly.
  • Competitive rates.
  • Rebuild credit quickly.
  • Limit your daily spending to ensure healthy balance.
Rates Effective Date: February 21, 2020
TypeVariable/APR^
Summit Secured CardAs Low as 13.49%

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

To download a Rate Sheet, click here.

uphora Rewards Card

Every uphora card comes with MasterCard Rewards, so you can earn points and redeem them for merchandise, cash back, travel, and more! You can track your rewards using the MasterCard Rewards App. You’ll also qualify for auto rental coverage for damage, collision, and theft. With our special welcome offer, you can get 20,000 reward points when you spend $2,000 in your first 90 days.*

Already have a uphora rewards card? Click here to register.

Welcome Offer – Get 20,000 Reward Points When You Spend $2,000 in the first 90 days *

  • 24/7 fraud protection tracking to keep an eye out for unusual (and suspicious) activity.
  • Account Alerts to help you manage your credit account. Choose either email or text delivery.
  • Pay with reward points using MasterCard Rewards or get cash back.
  • Keep track of your reward points in real time through the MasterCard Rewards App.
  • Get auto rental coverage for damage, collision and theft.
  • Buy with confidence – our cards offer extended warranty coverage.
Rates Effective Date: February 21, 2020
TypeVariable/APR^
uphora Rewards Credit CardAs Low as 13.49%

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

To download a Rate Sheet, click here.

 

*Anywhere MasterCard is accepted. ”Spend and Get” promotional offer valid for 90 days from the first transaction. Eligible Transactions: Transaction Types Purchases and Returns (Refer to MasterCard Rewards Disclosure 5 and 6), Transactions that accrue base points. When the cumulative spend on a card is greater than or equal to $2,000 and meeting the above criteria, a one-time adjustment for 20,000 points will be awarded. All loans are subject to credit approval. Membership eligibility required. Other restrictions may apply. For full disclosure and program details visit AlturaCU.com/uphora © 2020 MasterCard. MasterCard, MasterCard Pay with Rewards and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Summit Card

Unlike uphora, the Summit Card is not a rewards card. It’s perfect if you usually have a high monthly balance. For information on rates, click here.

  • 24/7 fraud protection tracking to keep an eye out for unusual (and suspicious) activity.
  • Account Alerts to help you manage your credit account. Choose either email or text delivery.
  • Perfect for high balance transfers.
  • Buy with confidence – our cards offer extended warranty coverage.
Rates Effective Date: February 21, 2020
TypeVariable/APR^
Summit Credit CardAs Low as 10.49%

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

To download a Rate Sheet, click here.

Summit Secured Card

Summit Secured is perfect if you need to rebuild your credit score. It’s also great if you have a mediocre credit score that you want to improve. With Summit Secured, you can get approved and start rebuilding credit quickly. Just make sure you limit your daily spending.

  • Be approved quickly.
  • Competitive rates.
  • Rebuild credit quickly.
  • Limit your daily spending to ensure healthy balance.
Rates Effective Date: February 21, 2020
TypeVariable/APR^
Summit Secured CardAs Low as 13.49%

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

To download a Rate Sheet, click here.

Fraud Protection

Get 24/7 fraud protection tracking.

Activity Alerts

Receive email and text account activity alerts.

Mobile Payments

Pay with your mobile device at many merchants.

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

NICOLE MELENDEZ | MEMBER SINCE 2018

“Even if you weren't a Member they would gladly help you become a Member quickly and be there for you, through anything.”

WATCH STORY

NICOLE MELENDEZ 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

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

FAQs

How Old Do I Have to Be to Open a Credit Card?

In most cases, you must be at least 18-years-old to open a credit card alone. However, minors can be added onto their parents’ credit cards as authorized users.

How Long Does a Credit Card Application Take?

The first step to obtaining your credit card is to fill out an application. It usually takes 7 to 14 business days for an application to be approved. Then you will have to wait another 7 to 10 days for your card to arrive in the mail. So from start to finish, you can expect for the process to take a few weeks.

Can I Choose Not to Activate My Credit Card?

If you filled out a credit card application on impulse, you might end up regretting your decision by the time you get the card in the mail. It’s important to know that when you apply for a credit card, you aren’t just asking for the card itself. Your account is probably already active whether or not you’ve activated the card itself. As long as your card does not have an annual fee, your best option may be to leave the card open. This will help preserve your credit score.

Disclaimer Information

*Anywhere MasterCard is accepted. ”Spend and Get” promotional offer valid for 90 days from the first transaction. Eligible Transactions: Transaction Types Purchases and Returns (Refer to MasterCard Rewards Disclosure 5 and 6), T...

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*Anywhere MasterCard is accepted. ”Spend and Get” promotional offer valid for 90 days from the first transaction. Eligible Transactions: Transaction Types Purchases and Returns (Refer to MasterCard Rewards Disclosure 5 and 6), Transactions that accrue base points. When the cumulative spend on a card is greater than or equal to $2,000 and meeting the above criteria, a one-time adjustment for 20,000 points will be awarded. All loans are subject to credit approval. Membership eligibility required. Other restrictions may apply. For full disclosure and program details visit www.Alturacu.com/uphora © 2017 MasterCard. MasterCard, MasterCard Pay with Rewards and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Interests rates are variable and may change without notice.

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

***On approved credit. Not all Members will qualify.

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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

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