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We have recently seen an increase in fraudulent activity targeting our Members through phishing scams using text messages, email, and phone. To help combat this rise in illicit behavior, we ask you to never click on unsolicited links or respond to suspicious texts, emails, or calls. For more information, click here.

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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Jacqueline Milner - Member Since 2017
Products

Credit Cards

20,000 Reward Points

A Special Introductory Offer for Our New uphora Credit Card Members!

Spend $2,000 in the first 90 days and you’ll get 20,000 reward points*. It really is that easy! Just think of the merchandise, cash back bonuses, travel, and more you can redeem with those 20,000 reward points… Apply Today!

Apply Now

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 in real time using the MasterCard Rewards App.

  • Spend $2,000 in the first 90 days and get 20,000 Reward Points*
  • Pay with reward points using MasterCard Rewards or get cash back.
  • 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.

Apply Now to start enjoying rewards!

Rates Effective Date: October 4, 2022
TypeVariable/APR^
uphora Rewards Credit Card14.99%

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

Click here to download the credit card line agreement.

 

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)

Apply Now

Rates Effective Date: October 4, 2022
TypeVariable/APR^
Summit Credit CardAs Low as 11.99%

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

Click here to download the credit card line agreement.

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.

Apply Now

Rates Effective Date: October 4, 2022
TypeVariable/APR^
Summit Secured CardAs Low as 14.99%

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

Click here to download the credit card line agreement.

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 in real time using the MasterCard Rewards App.

  • Spend $2,000 in the first 90 days and get 20,000 Reward Points*
  • Pay with reward points using MasterCard Rewards or get cash back.
  • 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.

Apply Now to start enjoying rewards!

Rates Effective Date: October 4, 2022
TypeVariable/APR^
uphora Rewards Credit Card14.99%

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

Click here to download the credit card line agreement.

 

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)

Apply Now

Rates Effective Date: October 4, 2022
TypeVariable/APR^
Summit Credit CardAs Low as 11.99%

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

Click here to download the credit card line agreement.

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.

Apply Now

Rates Effective Date: October 4, 2022
TypeVariable/APR^
Summit Secured CardAs Low as 14.99%

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

Click here to download the credit card line agreement.

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 uphora 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.

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

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

Disclaimer Information

*Anywhere MasterCard is accepted. The ”Spend and Get” promotional offer valid for 90 days from the date of the first transaction. Eligible Transactions: Transaction types purchases and returns (5 and 6 as detailed in the MasterCardRewards Disc...

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*Anywhere MasterCard is accepted. The ”Spend and Get” promotional offer valid for 90 days from the date of the first transaction. Eligible Transactions: Transaction types purchases and returns (5 and 6 as detailed in the MasterCardRewards Disclosure), and transactions that accrue base points. When the cumulative spend on a card reaches or exceeds $2,000 in accordance with the aforementioned criteria, a one-time adjustment for 20,000 points shall be awarded.

All loans are subject to credit approval. Membership eligibility required. Other restrictions may apply. For full disclosure and program details, please visit www.Alturacu.com/uphora

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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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