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Our Sun Lakes branch is currently closed due to a power outage and is anticipated to reopen at 10:00 am tomorrow (6-15) as normally scheduled.

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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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Home Loans

Home Equity Loans

Whether you’re looking to pay off debt, renovate your home, finance your teen’s college, or something else - you can obtain a home equity loan from Altura with ease.

Borrowing from Altura Credit Union

A home equity loan allows you to essentially borrow the money you’ve already invested in your home. These loans allow you to receive a large sum of money quickly without being crippled by high-interest rates. At Altura Credit Union, you can borrow up to $150,000 for a home equity loan.

Home equity loans are available for owner-occupied, one- to four-family units but exclude manufactured and mobile homes. You can use them for a variety of reasons. It’s up to you!

More great reasons to choose home equity loans:

  • The interest on some home equity loans is tax-deductive.
  • Maximum APR for a home equity line of credit at any time is 18%.
  • You can borrow up to 80% Loan to Value!

If you have any questions about home equity loans, contact Altura Credit Union by calling (888) 883-7228.

Home Equity and Home Equity Line of Credit Rates

Rates Effective Date: June 18, 2021
Loan TypeRateVariableAPR^^Index^^^Margin
Home Equity Line of Credit Owner Occupied^-4.500%4.523%3.250%1.250%
Home Equity Closed-End Loans Owner Occupied^4.79%-4.81%--

^ Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rate...

READ MORE +

^ Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.

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

^^^ Variable Rate indexed to the Prime Rate

To download a Rate Sheet, click here.

To download the Important Terms of our HELOC, click here.

READ LESS -
Rates Effective Date: June 18, 2021
Rates Effective Date: June 18, 2021
Loan TypeRateVariableAPR^^Index^^^Margin
Home Equity Line of Credit Owner Occupied^-4.500%4.523%3.250%1.250%
Home Equity Closed-End Loans Owner Occupied^4.79%-4.81%--

^ Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rate...

READ MORE +

^ Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.

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

^^^ Variable Rate indexed to the Prime Rate

To download a Rate Sheet, click here.

To download the Important Terms of our HELOC, click here.

READ LESS -
Rates Effective Date: June 18, 2021
THE GARCIA FAMILY | MEMBERS SINCE 2003

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

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Home Equity Loan

Do You Qualify?

Home equity loans are available for owner-occupied, one-to-four-family units and exclude manufactured and mobile homes.

Home Equity Loan

Did You Know?

With Altura Credit Union, you can borrow up to $150,000.

FAQ's

How Long Will the Online Application Take?

The application will ask you questions about the home and your finances and should take less than 20 minutes.

What is the Maximum Percentage of My Home’s Value I Can Borrow?

The maximum percentage of your home’s value depends on the purpose of your loan, how you use the property, and the loan type you choose, so the best way to determine what loan amount we can offer is to complete our online application!

Can I Get Advanced Copies of the Documents I will be Signing at Closing?

The most important documents you will sign at closing are the note and mortgage, sometimes called the deed of trust. Unless there are special circumstances, these documents are usually prepared one to two days before your closing. Other documents are prepared by the closing agent the day before or the day of your closing. If you would like copies of the completed documents to be sent to you after they are prepared, please contact your Mortgage Loan Officer.

Can I Make My Monthly Payments with an Automated Debit from My Checking Account?

Automated monthly payments are available. At the loan closing, an automated payment application will be provided. Simply return it at your earliest convenience to enroll in the automated payment program.

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

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

36-101 Bob Hope Drive Ste E-9 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

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