Login

EnrollForgot UsernameForgot Password

Online and mobile banking will be unavailable from Saturday, 1/18 10PM until Sunday, 1/19 2AM PST for scheduled maintenance. We apologize for any inconvenience this may cause.

Holiday Decoration - Altura Credit Union

Did you know?

With Altura Auto Loans take advantage of our low rates plus enjoy 90 days without a payment.

LEARN MORE

Our latest giveaway with Mastercard: From now until the end of 2019, any member that swipes their debit or credit card will be entered in for a monthly $1,000 raffle!

LEARN MORE

Placeholder

Individual Retirement Account (IRA)

1 OF 1

Placeholder Text

Placeholder Text

Contact Consultant Today

  • This field is for validation purposes and should be left unchanged.

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.

VIEW BIO AND CONTACT

Albert Yanez (CFS)

Magnolia Ave. | Corona Plaza | Lincoln Ave. | Canyon Springs | Murrieta
Albert 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. “For 17 years, I have been helping clients achieve their financial goals. I believe it’s important to invest my time to understand what you’re working toward before you invest your money. It's also important to understand the level of risk you're comfortable accepting when investing. Whether you're planning for retirement, saving for college for children or grandchildren, or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals."
951.214.5222
F: 951.571.5822
CA Insurance License 0M70362
no
no
VIEW BIO AND CONTACT

Chris Clapinski (CFS)

Hemet | Indio | Rancho Mirage
Chris 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
VIEW BIO AND CONTACT

Darren York (CFS)

Cactus Ave. | Stoneridge Towne Center | Lincoln
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.
951.571.5000 ext. 5635
F:
CA Insurance License 0C82800
no
no
VIEW BIO AND CONTACT

Thoeurn Indy (CFS)

14th Street | Riverside Ave. | University Ave by appointment
Altura Credit Union is pleased to introduce you to Thoeurn Indy our Senior CFS Financial Advisor.  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.   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
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

Rates Effective Date: February 17, 2020
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 to at least $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject t...

READ MORE +

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured to at least $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.

To download a Rate Sheet, click here.

READ LESS -
Rates Effective Date: February 17, 2020
Balance--3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 - $99,999.99RATE/APY^1.00%/1.00%1.34%/1.35%1.59%/1.60%1.83%/1.85%2.03%/2.05%2.23%/2.25%2.62%/2.65%
$100,000+RATE/APY^1.09%/1.10%1.44%/1.45%1.69%/1.70%1.93%/1.95%2.13%/2.15%2.32%/2.35%2.71%/2.75%

^ APY = Annual Percentage Yield.

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

Rates are subject t...

READ MORE +

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured to at least $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.

To download a Rate Sheet, click here.

READ LESS -
Rates Effective Date: February 17, 2020
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 to at least $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).

Rates are subject t...

READ MORE +

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured to at least $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.

To download a Rate Sheet, click here.

READ LESS -
Rates Effective Date: February 17, 2020
Balance--3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 - $99,999.99RATE/APY^1.00%/1.00%1.34%/1.35%1.59%/1.60%1.83%/1.85%2.03%/2.05%2.23%/2.25%2.62%/2.65%
$100,000+RATE/APY^1.09%/1.10%1.44%/1.45%1.69%/1.70%1.93%/1.95%2.13%/2.15%2.32%/2.35%2.71%/2.75%

^ APY = Annual Percentage Yield.

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

Rates are subject t...

READ MORE +

^ APY = Annual Percentage Yield.

Altura Credit Union share accounts are federally insured to at least $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.

To download a Rate Sheet, click here.

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.

tips-slider-icon

Learn About How to be More Financially Fit

Financial Well-being

Discover More

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

We are Invested in Helping You Live a Financially Healthy Life

Benefits of Membership