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Routing #322281235

We have a Planned System Maintenance scheduled from 10pm on Saturday, June 21st to 4am on Sunday, June 22nd. Online banking and the Mobile App will be unavailable during this time. We apologize for any inconvenience this may cause.

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

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The Garcia Family - Members Since 2003
Home Loans

Mortgage Refinancing

When you choose Altura, you can be confident that you’re working with a reputable mortgage lender who puts your interests first.

Apply NowInfoTestimonialsFAQDiscover More

Refinancing Your Home with Altura Credit Union

Refinancing can potentially lower your monthly mortgage payment, pay off your mortgage faster or get cash out for that project you’ve been planning.

Types of Loans

Altura offers a variety of loan options including:

  • Fixed-Rate Loans
  • Jumbo Loans
  • Adjustable-Rate Mortgages
  • Home Equity Lines of Credit
  • Manufactured Homes

Choose the one that best fits your needs!

Contact Us
Call 1-866-571-5076 or email us at Mortgage@alturacu.com to get started with home refinancing through Altura Credit Union.

Make Mortgage Payments Online

With Altura’s Online Banking you can make all your monthly payments online. All you have to do is transfer money from your Altura checking or savings account to your mortgage loan. If your account is not set up for a mortgage payment, contact a Member Service representative at 1-877-877-8697.

Home Refinancing

Mortgage Rates

Rates Effective Date: June 20, 2025
Loan TypeRateAPR*
30 Year – Conforming Fixed 6.500%6.694%
20 Year – Conforming Fixed5.990%6.184%
15 Year – Conforming Fixed5.750%5.944%
30 Year – Jumbo Fixed 6.375%6.669%
15 Year – Jumbo Fixed5.625%5.919%
30 Year – FHA Fixed6.990%7.284%
15 Year – FHA Fixed6.750%7.044%
5/6 Month Sofr ARM6.500%6.694%
Jumbo 5/6 Month Sofr ARM5.875%6.169%
7/6 Month Sofr ARM6.500%6.694%
Jumbo 7/6 Month Sofr ARM6.125%6.419%

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you ...

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*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you provide to determine if you meet the criteria. Debt to income ratio not to exceed 43%. Proof of income will be required. Loan-to-Value cannot exceed 80%. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply. NMLS# 417696

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Mortgage Rates

Rates Effective Date: June 20, 2025
Loan TypeRateAPR*
30 Year – Conforming Fixed 6.500%6.694%
20 Year – Conforming Fixed5.990%6.184%
15 Year – Conforming Fixed5.750%5.944%
30 Year – Jumbo Fixed 6.375%6.669%
15 Year – Jumbo Fixed5.625%5.919%
30 Year – FHA Fixed6.990%7.284%
15 Year – FHA Fixed6.750%7.044%
5/6 Month Sofr ARM6.500%6.694%
Jumbo 5/6 Month Sofr ARM5.875%6.169%
7/6 Month Sofr ARM6.500%6.694%
Jumbo 7/6 Month Sofr ARM6.125%6.419%

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you ...

READ MORE +

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you provide to determine if you meet the criteria. Debt to income ratio not to exceed 43%. Proof of income will be required. Loan-to-Value cannot exceed 80%. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply. NMLS# 417696

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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."

WATCH HER STORY

MARIANA FEIPEL'S STORY

THE GARCIA FAMILY | MEMBERS SINCE 2003

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

WATCH STORY

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.”

WATCH HER STORY

BELITA WIECK'S STORY

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.

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
MENIFEE, CA

Sun City Branch

27220 Sun City Blvd. Sun City, CA 92586
Banning, CA

Sun Lakes Branch

300 S. Highland Springs Avenue Banning CA 92220
PALM SPRINGS, CA

Sunrise Branch

1751 N. Sunrise Way, Suite #1, Palm Springs, CA 92262
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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Financial Well-Being

Learn How to Manage Your Money

Financial Well-Being

Learn How to Build Your Credit

Calculators

Our Suite of Calculators Help Determine Monthly Payments

Altura in the Community

See How We Support Our Local Community

Are You Ready to Refinance Your Home?

Apply Now