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Members: To check the status of your possible Economic Impact Payment (Stimulus Check), we advise you to first check: irs.gov/coronavirus/get-my-payment, and then check your account online, as that will have the latest updates to your account.

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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Lorenzo Perez - Member Since 2000
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 6 months on balance transfers*
Rewards
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 6 months on balance transfers*

Feature Available Icon - Altura Credit Union

Rewards

1% Cash Back

Credit Card Options

uphora Rewards Credit 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.

For a limited time, get 0% interest on balance transfers when you sign up for uphora! Click here to learn more.

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

  • 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.
Rates Effective Date: January 19, 2021
TypeVariable/APR^
uphora Rewards Credit Card0%

^ 0% interest on Balance Transfers for the first 6 months. Click here to learn more.

To download a Rate Sheet, click here.

 

Anywhere MasterCard is accepted. For a list of qualifying transactions, along with the complete program disclosure and details, click here. Loans are subject to credit approval. Membership eligibility required. Other restrictions may apply. © 2020 MasterCard. MasterCard, MasterCard Pay with Rewards and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Summit Card – Low APR Credit Cards

Unlike uphora, the Summit Card is not a rewards card. It’s perfect if you usually have a high monthly balance. For information on credit card interest 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.
  • Summit is a low APR credit card (low interest credit card)
Rates Effective Date: January 19, 2021
TypeVariable/APR^
Summit Credit CardAs Low as 8.99%

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

To download a Rate Sheet, click here.

Summit Secured Card – Credit Card for Building Credit

Need a credit card for building credit? 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: January 19, 2021
TypeVariable/APR^
Summit Secured CardAs Low as 11.99%

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

To download a Rate Sheet, click here.

uphora Rewards Credit 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.

For a limited time, get 0% interest on balance transfers when you sign up for uphora! Click here to learn more.

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

  • 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.
Rates Effective Date: January 19, 2021
TypeVariable/APR^
uphora Rewards Credit Card0%

^ 0% interest on Balance Transfers for the first 6 months. Click here to learn more.

To download a Rate Sheet, click here.

 

Anywhere MasterCard is accepted. For a list of qualifying transactions, along with the complete program disclosure and details, click here. Loans are subject to credit approval. Membership eligibility required. Other restrictions may apply. © 2020 MasterCard. MasterCard, MasterCard Pay with Rewards and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Summit Card – Low APR Credit Cards

Unlike uphora, the Summit Card is not a rewards card. It’s perfect if you usually have a high monthly balance. For information on credit card interest 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.
  • Summit is a low APR credit card (low interest credit card)
Rates Effective Date: January 19, 2021
TypeVariable/APR^
Summit Credit CardAs Low as 8.99%

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

To download a Rate Sheet, click here.

Summit Secured Card – Credit Card for Building Credit

Need a credit card for building credit? 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: January 19, 2021
TypeVariable/APR^
Summit Secured CardAs Low as 11.99%

^ 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.

LORENZO PEREZ | MEMBER SINCE 2000

"If you have a credit card with any other bank, you should switch to Altura’s uphoraTM credit card."

WATCH HIS STORY

LORENZO PEREZ'S STORY

JACQUELINE MILNER | MEMBER SINCE 1998

"I chose the uphora™ credit card simply because it has the rewards I need. There's no annual fees, a low interest rate, and I can track all of my purchases...

WATCH HER STORY

JACQUELINE MILNER'S STORY

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

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 It Take to Get a Credit Card?

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 it to take a few weeks to get a credit card.

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

*Click here to learn more.

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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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