In observance of Juneteenth, Altura’s branches and offices will be closed on Wednesday, June 19th.
Online Banking, the mobile app, and our ATMs will be available for your convenience. Thank you.

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Don’t wait, accelerate your savings! Experience Altura’s low rates and 100-day payment grace period*.

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Individual Retirement Account (IRA)

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Contact Me

Get in Touch With a Consultant

CFS Wealth Management Consultants can assist you in determining your short- or long-term investment needs. They can also help you in managing your current investments and explore new options.

Contact Me

Lolla Long (CFS)

Canyon Springs | Corona Lincoln | Corona Plaza | Eastvale | Magnolia
A California native, Lolla grew up in the Sacramento area and attended College of the Redwoods majoring in Business Administration. She’s been in the financial services industry since 2013 after a long career in the retail bank as a Branch Manager and a District Manager. Lolla is licensed in: Series 7 (General Securities), Series 65 (NASAA Investment Advisers Law Examination), Series 63 (Uniform Securities Agent license, along with Life, Accident and Health Insurance as well as a Variable Contracts. In her free time, she enjoys traveling and spending time with her family.
951.840.9553
F: 951.373.5450
CA Insurance License OI72833
no
no
Contact Me

Chris Clapinski (CFS)

Coachella | Hemet | Indio | Rancho Mirage | San Jacinto | Sun Lakes
Chris, our CFS Financial Consultant, offers his clients industry expertise and is committed to providing personalized full-service planning. He helps clients pursue their financial goals by providing a comprehensive assessment and assisting with services such as retirement planning, income distribution, tax-advantaged investments, fixed and variable annuities, rollover strategies and trust and estate planning strategies. "Since 2007, I have been working with clients to help them meet their financial goals. The first step in the process is to listen to the goals of each client. Next, we create a financial plan through communication and education. Once the plan is implemented, I monitor it while working closely with the client to make any necessary changes. My wife Jodi and I reside in La Quinta, Ca. with our two beautiful daughters, ages 17 and 15. Most weekends are spent traveling Southern California to their club soccer matches. When not attending a soccer match I enjoy running and helping coach baseball at the local high school."
760.262.7307
F:
CA Insurance License 0F71685
no
no
Contact Me

Darren York (CFS)

Cactus Ave. | Stoneridge Towne Center* | Woodcrest
Altura Credit Union is pleased to introduce you to Darren York, our CFS Financial Consultant. Darren is a licensed professional, trained to objectively analyze your insurance and investment needs in order to help you create a financial plan designed to meet your unique goals. "I have been helping members since 1999 and have been an advisor at Visterra Credit Union, now Altura Credit Union, since 2004. Specializing in retirement planning, I am dedicated to guiding my clients toward reaching their financial goals by understanding their needs, offering sound investment advice and providing a high level of personal service. Through regular updates and portfolio reviews, I can help you stay on top of your assets and help you manage your future." *By appointment only
951.571.5000 ext. 5635
F:
CA Insurance License 0C82800
no
no
Contact Me

Thoeurn Indy (CFS)

14th Street | Riverside Ave. | University Ave.*
Altura Credit Union is pleased to introduce you to Thoeurn Indy, our Senior CFS Financial Consultant.  Thoeurn is a licensed professional, trained to objectively analyze your insurance and investment needs in order to help you create a financial plan designed to meet your unique goals. “Client focused with individual attention. For the past 20 years, I have been helping clients prepare for their financial goals. I believe that the first step is to have a plan, that is why I work with my clients to develop a comprehensive financial plan to guide them in achieving their goals. I am a husband and proud father to three awesome girls. We have resided in the Inland Empire and serviced the community since 2006 and love being a part of this wonderful community. In our spare time, we love to travel and enjoy long road trips together." *By appointment only To set an appointment, contact my assistant Fe Obongen at C: 951.202.2479
951.571.5507
951.217.8779
F:
CA Insurance License 0C15545
no
no
Contact Me

Ramon Baez (CFS)

Murrieta | Perris | French Valley | Silver Hawk | Wildomar | Bear Creek
Please welcome Ramon Baez to our So Cal team. Ramon has joined the Altura CU team of reps and will be covering the Murrieta branches. Ramon has at least 10 years in the financial industry and was most recently at Edward Jones as an FA. Ramon is from the Murrieta area, he’s married with two kids and enjoys training in Jiu Jitsu as well as marathon running. We are excited to have Ramon onboard and we expect many great things from him. Welcome to the team Ramon!!!
951.529.6750
F:
CA Insurance License 0M68142
no
no
Contact Me

Sevada Zadooryan (CFS)

Covers All Branches
Please welcome Financial Consultant Sevada Zadooryan to Altura Credit Union. Since stepping into the financial services arena in 2016, he partners with clients to understand their goals (retirement, debt, etc.), creates personalized plans, and prioritizes financial education. Through clear communication, he simplifies complex financial choices, empowering you to make informed decisions. Committed to your success, Sevada regularly reviews and adapts your plan as your life and the market change. Fluent in English, Farsi, and Armenian, he brings a diverse perspective to financial planning. Sevada holds a Bachelor of Science in Management from California State University Northridge. When not crunching numbers or mapping out financial blueprints, he indulges in hiking and quality time with his family.
858.251.5546
F:
CA Insurance License 0M60310
no
no
Just Getting Started in Investing?

An Automatic Investment Plan can help you start an investment portfolio with as little as $25 per month!

Learn More

Rates

Start saving for retirement with an IRA Savings account.

Rates Effective Date: June 21, 2024
AccountOpening DepositRateAPY^
IRA Accumulator$50.00+0.25%0.25%
IRA Roth Accumulator$50.00+0.25%0.25%

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to ...

READ MORE +

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to change without notice. All dividends are calculated daily & paid monthly.

Fees may reduce earnings.

Penalties for early withdrawals.

Download a Rate Sheet here: English | Spanish

READ LESS -
Rates Effective Date: June 21, 2024
Balance--3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 - $99,999.99RATE/APY^0.60% /
0.60%
0.65% /
0.65%
0.75% /
0.75%
0.90% /
0.90%
0.95% /
0.95%
1.14% /
1.15%
1.34% /
1.35%
$100,000+RATE/APY^0.70% /
0.70%
0.75% /
0.75%
0.85% /
0.85%
1.00% /
1.00%
1.04% /
1.05%
1.24% / 1.25%1.44% /
1.45%

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to ...

READ MORE +

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to change without notice. All dividends are calculated daily & paid monthly.

Fees may reduce earnings.

Penalties for early withdrawals.

Download a Rate Sheet here: English | Spanish

READ LESS -

Start saving for retirement with an IRA Savings account.

Rates Effective Date: June 21, 2024
AccountOpening DepositRateAPY^
IRA Accumulator$50.00+0.25%0.25%
IRA Roth Accumulator$50.00+0.25%0.25%

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to ...

READ MORE +

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to change without notice. All dividends are calculated daily & paid monthly.

Fees may reduce earnings.

Penalties for early withdrawals.

Download a Rate Sheet here: English | Spanish

READ LESS -
Rates Effective Date: June 21, 2024
Balance--3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 - $99,999.99RATE/APY^0.60% /
0.60%
0.65% /
0.65%
0.75% /
0.75%
0.90% /
0.90%
0.95% /
0.95%
1.14% /
1.15%
1.34% /
1.35%
$100,000+RATE/APY^0.70% /
0.70%
0.75% /
0.75%
0.85% /
0.85%
1.00% /
1.00%
1.04% /
1.05%
1.24% / 1.25%1.44% /
1.45%

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to ...

READ MORE +

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject to change without notice. All dividends are calculated daily & paid monthly.

Fees may reduce earnings.

Penalties for early withdrawals.

Download a Rate Sheet here: English | Spanish

READ LESS -
IRA Rollovers

The Best Time to Rollover

You might be asking yourself when is the best time to rollover these employer-sponsored investments? We recommend when your retire, when you change jobs or when you separate from an employer for any reason.

Financial Security After You Retire

Have a Plan But Stay Flexible

Retiring successfully takes planning. Take an honest inventory of your assets, savings, investments, and set some goals for your retirement. While you need a plan you also need to be flexible and open to unexpected changes. Keep yourself informed about the latest developments in areas such as the cost of living, tax laws, investments, real estate trends, and other areas that are likely to have an impact on your life.

Financial Security After You Retire

Don’t Touch Your Retirement Account Early

Withdrawing money from your retirement account early may be tempting but it’s seldom a financially wise decision. You also incur tax penalties if you take money out of an IRA or 401K before retirement age (currently 59.5). If you’re thinking about raiding your retirement account, make this an absolute last resort. You’ll be glad you held out a few years from now.

Get Out of Debt

For Your Long-Term Financial Well-Being

Reducing or eliminating debt is one of the best ways to improve your financial situation. Debts are especially draining after you retire. Do whatever you can to cut down on what you owe, especially high-interest debts such as credit cards.

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