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?
In honor of Martin Luther King Jr. Day, Altura’s branches and offices will be closed on Monday, January 17. Online and mobile banking and our ATMs will be available for your convenience. Thank you.
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?
Altura Credit Union was first opened back in 1957 and has grown to span all across Riverside County.
Learn MoreWe volunteer our time, whether it’s fundraising for Habitat for Humanity or helping local teachers makeover their classrooms, we always want to be involved!
Learn MoreAltura rewards two lucky members every quarter with a cash prize of $1,500. All you have to do is start saving!
Learn MoreCredit 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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| Account Type | Opening Deposit | Rate | APY^ |
|---|---|---|---|
| Ascend Checking - Average daily balance of $0.00 to $9,999.99 | $25.00+ | 0.00% | 0.00% |
| Ascend Checking – Average daily balance of $10,000.00 to $49,999.99 | $25.00+ | 0.05% | 0.05% |
| Ascend Checking – Average daily balance of $50,000.00 and higher | $25.00+ | 0.20% | 0.20% |
| Regular Share Savings | $25.00+ | 0.10% | 0.10% |
| Side Share | $0 | 0.10% | 0.10% |
| Holiday Savings | $0 | 0.10% | 0.10% |
| Wealth Builder^^ | $10,000+ | 0.60% | 0.60% |
^ APY = Annual Percentage Yield.
^^ Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC R...
^ APY = Annual Percentage Yield.
^^ Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may carry investment risk including possible loss of principal. Investment Representatives are registered through CFS. Altura Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. To earn the stated rate, the WealthBuilder account has to have a minimum of ten (10) debit card transactions per month and a minimum daily balance of $10,000. For any month in which the transaction activity threshold is not met, the rate for that month will default to 0.20% on balances for the previous month. For any month in which the minimum balance requirement is not met, the rate for that month will default to 0.00% on balances for the previous month.
| Balance | Rate | APY |
|---|---|---|
| $0.00 – $9,999.99 | 0.20% | 0.20% |
| $10,000.00 – $49,999.99 | 0.40% | 0.40% |
| $50,000.00+ | 0.60% | 0.60% |
^ To qualify for a Prestige Money Market the primary member must also maintain an active checking account under any account number to earn the stated Prestige Money Market rates. An active checking account i...
^ To qualify for a Prestige Money Market the primary member must also maintain an active checking account under any account number to earn the stated Prestige Money Market rates. An active checking account is defined as a checking account that has a minimum of ten (10) debit card transactions per month. For any month in which the transaction activity threshold is not met, the rate for that month will default to the current Smart Money Market rate on balances for the previous month.
| Balance | - | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000.00 – $99,999.99 | Rate/APY^ | 0.20% / 0.20% | 0.25% / 0.25% | 0.35% / 0.35% | 0.40% / 0.40% | 0.55% / 0.55% | 0.70% / 0.70% | 0.90% / 0.90% |
| $100,000.00+ | Rate/APY | 0.30% / 0.30% | 0.35% / 0.35% | 0.45% / 0.45% | 0.50% / 0.50% | 0.65% / 0.65% | 0.80% / 0.80% | 1.00% / 1.00% |
^ 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...
^ 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.
| Balance | - | 50/50^^ |
|---|---|---|
| $1,000.00 – $99,999.99 | Rate/APY^ | 0.40% / 0.40% |
| $100,000.00+ | Rate/APY | 0.50% / 0.50% |
^ APY = Annual Percentage Yield.
^^ 50-week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 1.10% APY. Share certificate holders must be ...
^ APY = Annual Percentage Yield.
^^ 50-week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 1.10% APY. Share certificate holders must be 24 years of age or younger. Minimum $5.00 deposits allowed throughout certificate term.
| Loan Type | APR^ |
|---|---|
| New Auto Loans (2021-2022 Model Years)* | 2.39%* |
| Used Auto Loans (2020 & Older Model Years)* | 2.59%* |
| New Motorhome/RV Loans | 6.49% |
| Used Motorhome/RV Loans | 6.99% |
| New Boat Loans | 7.49% |
| Used Boat Loans | 7.75% |
| New Motorcycle Loans | 6.99% |
| Used Motorcycle Loans | 7.99% |
| New Toys & Misc. | 7.75% |
| Used Toys & Misc. | 8.99% |
| Signature Loan - 36 months | 10.19% |
| Signature Loan - 48 months | 11.19% |
| Signature Loan - 60 months | 13.19% |
^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may v...
^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may vary depending on approved loan amount and term. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.
* = Rate shown is at a 60 month term. Lower rates available on shorter terms. Longer terms and used auto rates are available.
| Type | ||
|---|---|---|
| Share Secured | Variable / APR^ | 3.00% above dividend rate being paid on the Share Account securing the loan |
| Certificate Secured | Fixed / APR | 3.00% above dividend rate being paid on the Share Certificate Account securing the loan |
| Credit Builder | Fixed / APR | 5.00% above dividend rate being paid on the Share Certificate Account securing the loan |
^ APR = Annual Percentage Rate.
| Type | Variable/APR^ |
|---|---|
| Credit Cards | As low as 8.99% |
^ Variable Rate indexed to the Prime Rate. APR = Annual Percentage Rate.
| Loan Type | Rate | Variable | APR^ | Index^^ | Margin |
|---|---|---|---|---|---|
| Home Equity Line of Credit Owner Occupied^ | - | 4.500% | 4.523% | 3.250% | 1.250% |
| Home Equity Closed-End Loans Owner Occupied^ | 5.20% | - | 5.22% | - | - |
^ APR=Annual Percentage Rate. Rates are subject to change without notice.
^^ Variable Rate indexed to the Prime Rate
| Account Type | Opening Deposit | Rate | APY^ |
|---|---|---|---|
| Business Savings | $1,000.00+ | 0.10% | 0.10% |
| Basic Business Checking | $100.00+ | 0.05% | 0.05% |
| Club Business Checking | $100.00+ | 0.05% | 0.05% |
^ APY= Annual Percentage Yield. Rates are subject to change without notice.
| Balance | Rate | APY^ |
|---|---|---|
| $0.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $24,999.99 | 0.20% | 0.20% |
| $25,000.00+ | 0.20% | 0.20% |
^ APY = Annual Percentage Yield.
| Balance | - | 3 Months | 6 Months | 12 Months | 24 Months | 36 months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000-$99,999.99 | Rate/APY^ | 0.20% / 0.20% | 0.25% / 0.25% | 0.35% / 0.35% | 0.40% / 0.40% | 0.55% / 0.55% | 0.70% / 0.70% | 0.90% / 0.90% |
| $100,000.00+ | Rate/APY | 0.30% / 0.30% | 0.35% / 0.35% | 0.45% / 0.45% | 0.50% / 0.50% | 0.65% / 0.65% | 0.80% / 0.80% | 1.00% / 1.00% |
^ 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...
^ 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.
| Account | Opening Deposit | Rate | APY^ |
|---|---|---|---|
| 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...
^ 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.
| Balance | -- | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000.00 - $99,999.99 | RATE/APY^ | 0.30% / 0.30% | 0.35% / 0.35% | 0.45% / 0.45% | 0.50% / 0.50% | 0.65% / 0.65% | 0.80% / 0.80% | 1.00% / 1.00% |
| $100,000+ | RATE/APY^ | 0.40% / 0.40% | 0.45% / 0.45% | 0.55% / 0.55% | 0.60% / 0.60% | 0.75% / 0.75% | 0.90% / 0.90% | 1.09% / 1.10% |
^ 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...
^ 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.
| Account Type | Opening Deposit | Rate | APY^ |
|---|---|---|---|
| Ascend Checking - Average daily balance of $0.00 to $9,999.99 | $25.00+ | 0.00% | 0.00% |
| Ascend Checking – Average daily balance of $10,000.00 to $49,999.99 | $25.00+ | 0.05% | 0.05% |
| Ascend Checking – Average daily balance of $50,000.00 and higher | $25.00+ | 0.20% | 0.20% |
| Regular Share Savings | $25.00+ | 0.10% | 0.10% |
| Side Share | $0 | 0.10% | 0.10% |
| Holiday Savings | $0 | 0.10% | 0.10% |
| Wealth Builder^^ | $10,000+ | 0.60% | 0.60% |
^ APY = Annual Percentage Yield.
^^ Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC R...
^ APY = Annual Percentage Yield.
^^ Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may carry investment risk including possible loss of principal. Investment Representatives are registered through CFS. Altura Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. To earn the stated rate, the WealthBuilder account has to have a minimum of ten (10) debit card transactions per month and a minimum daily balance of $10,000. For any month in which the transaction activity threshold is not met, the rate for that month will default to 0.20% on balances for the previous month. For any month in which the minimum balance requirement is not met, the rate for that month will default to 0.00% on balances for the previous month.
| Balance | Rate | APY |
|---|---|---|
| $0.00 – $9,999.99 | 0.20% | 0.20% |
| $10,000.00 – $49,999.99 | 0.40% | 0.40% |
| $50,000.00+ | 0.60% | 0.60% |
^ To qualify for a Prestige Money Market the primary member must also maintain an active checking account under any account number to earn the stated Prestige Money Market rates. An active checking account i...
^ To qualify for a Prestige Money Market the primary member must also maintain an active checking account under any account number to earn the stated Prestige Money Market rates. An active checking account is defined as a checking account that has a minimum of ten (10) debit card transactions per month. For any month in which the transaction activity threshold is not met, the rate for that month will default to the current Smart Money Market rate on balances for the previous month.
| Balance | - | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000.00 – $99,999.99 | Rate/APY^ | 0.20% / 0.20% | 0.25% / 0.25% | 0.35% / 0.35% | 0.40% / 0.40% | 0.55% / 0.55% | 0.70% / 0.70% | 0.90% / 0.90% |
| $100,000.00+ | Rate/APY | 0.30% / 0.30% | 0.35% / 0.35% | 0.45% / 0.45% | 0.50% / 0.50% | 0.65% / 0.65% | 0.80% / 0.80% | 1.00% / 1.00% |
^ 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...
^ 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.
| Balance | - | 50/50^^ |
|---|---|---|
| $1,000.00 – $99,999.99 | Rate/APY^ | 0.40% / 0.40% |
| $100,000.00+ | Rate/APY | 0.50% / 0.50% |
^ APY = Annual Percentage Yield.
^^ 50-week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 1.10% APY. Share certificate holders must be ...
^ APY = Annual Percentage Yield.
^^ 50-week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 1.10% APY. Share certificate holders must be 24 years of age or younger. Minimum $5.00 deposits allowed throughout certificate term.
| Loan Type | APR^ |
|---|---|
| New Auto Loans (2021-2022 Model Years)* | 2.39%* |
| Used Auto Loans (2020 & Older Model Years)* | 2.59%* |
| New Motorhome/RV Loans | 6.49% |
| Used Motorhome/RV Loans | 6.99% |
| New Boat Loans | 7.49% |
| Used Boat Loans | 7.75% |
| New Motorcycle Loans | 6.99% |
| Used Motorcycle Loans | 7.99% |
| New Toys & Misc. | 7.75% |
| Used Toys & Misc. | 8.99% |
| Signature Loan - 36 months | 10.19% |
| Signature Loan - 48 months | 11.19% |
| Signature Loan - 60 months | 13.19% |
^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may v...
^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may vary depending on approved loan amount and term. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.
* = Rate shown is at a 60 month term. Lower rates available on shorter terms. Longer terms and used auto rates are available.
| Type | ||
|---|---|---|
| Share Secured | Variable / APR^ | 3.00% above dividend rate being paid on the Share Account securing the loan |
| Certificate Secured | Fixed / APR | 3.00% above dividend rate being paid on the Share Certificate Account securing the loan |
| Credit Builder | Fixed / APR | 5.00% above dividend rate being paid on the Share Certificate Account securing the loan |
^ APR = Annual Percentage Rate.
| Type | Variable/APR^ |
|---|---|
| Credit Cards | As low as 8.99% |
^ Variable Rate indexed to the Prime Rate. APR = Annual Percentage Rate.
| Loan Type | Rate | Variable | APR^ | Index^^ | Margin |
|---|---|---|---|---|---|
| Home Equity Line of Credit Owner Occupied^ | - | 4.500% | 4.523% | 3.250% | 1.250% |
| Home Equity Closed-End Loans Owner Occupied^ | 5.20% | - | 5.22% | - | - |
^ APR=Annual Percentage Rate. Rates are subject to change without notice.
^^ Variable Rate indexed to the Prime Rate
| Account Type | Opening Deposit | Rate | APY^ |
|---|---|---|---|
| Business Savings | $1,000.00+ | 0.10% | 0.10% |
| Basic Business Checking | $100.00+ | 0.05% | 0.05% |
| Club Business Checking | $100.00+ | 0.05% | 0.05% |
^ APY= Annual Percentage Yield. Rates are subject to change without notice.
| Balance | Rate | APY^ |
|---|---|---|
| $0.00 – $2,499.99 | 0.15% | 0.15% |
| $2,500.00 – $24,999.99 | 0.20% | 0.20% |
| $25,000.00+ | 0.20% | 0.20% |
^ APY = Annual Percentage Yield.
| Balance | - | 3 Months | 6 Months | 12 Months | 24 Months | 36 months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000-$99,999.99 | Rate/APY^ | 0.20% / 0.20% | 0.25% / 0.25% | 0.35% / 0.35% | 0.40% / 0.40% | 0.55% / 0.55% | 0.70% / 0.70% | 0.90% / 0.90% |
| $100,000.00+ | Rate/APY | 0.30% / 0.30% | 0.35% / 0.35% | 0.45% / 0.45% | 0.50% / 0.50% | 0.65% / 0.65% | 0.80% / 0.80% | 1.00% / 1.00% |
^ 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...
^ 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.
| Account | Opening Deposit | Rate | APY^ |
|---|---|---|---|
| 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...
^ 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.
| Balance | -- | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000.00 - $99,999.99 | RATE/APY^ | 0.30% / 0.30% | 0.35% / 0.35% | 0.45% / 0.45% | 0.50% / 0.50% | 0.65% / 0.65% | 0.80% / 0.80% | 1.00% / 1.00% |
| $100,000+ | RATE/APY^ | 0.40% / 0.40% | 0.45% / 0.45% | 0.55% / 0.55% | 0.60% / 0.60% | 0.75% / 0.75% | 0.90% / 0.90% | 1.09% / 1.10% |
^ 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...
^ 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.
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