Beware of tax scams this tax season. Scammers can trick you by pretending to be from the IRS or tax agencies. Stay safe and informed with Altura’s Member Guide and Tips. To learn more, click here

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Forget generic plastic, go wild! Nicknames, teams, or just a sprinkle of you – personalize your Altura cards with a second line and make them truly yours.
Second Line on Debit and Credit Cards - Altura Credit Union

Six decades of unwavering service, six decades of dreams realized. Altura’s legacy is etched throughout Riverside County.

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Building stronger futures, brick by brick and lesson by lesson, Altura fuels community through volunteerism.

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Boost your savings, boost your luck! Altura rewards $1,500 to two lucky savers every quarter – could you be next?

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Credit Unions are financial cooperatives because they are owned by their members. Each member has an ownership share in the credit union.

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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 may be tax-deductible (please consult with your tax professional).
  • 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: March 19, 2024
Loan TypeRateVariableAPR^^Index^^^Margin
Home Equity Line of Credit Owner Occupied^-9.750%9.779%8.500%1.250%
Home Equity Closed-End Loans Owner Occupied^8.91%-8.94%--

^ 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

Download a Rate Sheet here: English | Spanish

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

READ LESS -
Rates Effective Date: March 19, 2024
Rates Effective Date: March 19, 2024
Loan TypeRateVariableAPR^^Index^^^Margin
Home Equity Line of Credit Owner Occupied^-9.750%9.779%8.500%1.250%
Home Equity Closed-End Loans Owner Occupied^8.91%-8.94%--

^ 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

Download a Rate Sheet here: English | Spanish

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

READ LESS -
Rates Effective Date: March 19, 2024
MARIANA FEIPEL | MEMBER SINCE 2017

"I do recommend Altura Credit Union as a part of your family. Altura, thank you for helping us to live our American Dream."

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MARIANA FEIPEL'S STORY

THE GARCIA FAMILY | MEMBERS SINCE 2003

“Altura has really simplified my life. Going through the Refi process was super smooth.”

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GARCIA FAMILY TESTIMONIAL

BELITA WIECK | MEMBER SINCE 1993

“When I decided to refinance my home, I couldn’t believe my own credit union had the lowest interest rates.”

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BELITA WIECK'S STORY

FAQ's

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

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

PERRIS, CA

Perris Branch

2570 N Perris Blvd, Suite 101, Perris, CA 92571

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

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