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Routing #322281235

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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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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
  • FHA Loans
  • Adjustable-Rate Mortgages
  • VA Loans
  • 100% Financing
  • Investment
  • Second Homes
  • Home Equity Lines of Credit
  • Manufactured Homes
  • Reverse Mortgages

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: September 20, 2021
TypeFixed
Mortgage Loans2.318%*

*APR = Annual Percentage Rate. Estimated Monthly Payment of $1,473.94 is principal and interest based on $75,000 down on a loan amount of $225,000 at 2.49% APR* fixed for a 15 year term, with 180 total month...

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*APR = Annual Percentage Rate. Estimated Monthly Payment of $1,473.94 is principal and interest based on $75,000 down on a loan amount of $225,000 at 2.49% APR* fixed for a 15 year term, with 180 total monthly payments, for a total cost of credit, including interest and other fees, that equals $269,109.33. 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 for this offer. 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. Promotional period ends July 18, 2021. NMLS# 417696

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Mortgage Rates

Rates Effective Date: September 20, 2021
TypeFixed
Mortgage Loans2.318%*

*APR = Annual Percentage Rate. Estimated Monthly Payment of $1,473.94 is principal and interest based on $75,000 down on a loan amount of $225,000 at 2.49% APR* fixed for a 15 year term, with 180 total month...

READ MORE +

*APR = Annual Percentage Rate. Estimated Monthly Payment of $1,473.94 is principal and interest based on $75,000 down on a loan amount of $225,000 at 2.49% APR* fixed for a 15 year term, with 180 total monthly payments, for a total cost of credit, including interest and other fees, that equals $269,109.33. 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 for this offer. 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. Promotional period ends July 18, 2021. NMLS# 417696

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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

BRANDON CARILLO | MEMBER SINCE 2018

"Everyone knows my name, everyone is super friendly. They even know what I'm saving for."

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BRANDON CARILLO TESTIMONIAL

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...

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KAREEM GONGORA TESTIMONIAL

KIMBERLY GREEN | MEMBER SINCE 1999

“Their way of greeting you and taking their time— you’re not just a number there. You feel like a person, you feel like you matter.”

WATCH STORY

KIMBERLY GREEN TESTIMONIAL

NICOLE MELENDEZ | MEMBER SINCE 2018

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

WATCH STORY

NICOLE MELENDEZ TESTIMONIAL

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
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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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

Are You Ready to Refinance Your Home?

Apply Now