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Rates

Personal & Business Rates

Checking and Savings Rates

Rates Effective Date: December 5, 2019
Account TypeOpening DepositRateAPY^
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$00.10%0.10%
Holiday Savings$00.10%0.10%
Wealth Builder^^$10,000+0.93%0.93%

^ 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...

READ MORE +

^ 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.

To download a Rate Sheet, click here.

READ LESS -

Prestige Money Market

Rates Effective Date: December 5, 2019
BalanceRateAPY
$0.00 – $9,999.990.50%0.50%
$10,000.00 – $49,999.990.80%0.80%
$50,000.00+1.24%1.25%

^ 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...

READ MORE +

^ 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.

To download a Rate Sheet, click here.

READ LESS -

Term Share Certificates

Rates Effective Date: December 5, 2019
Balance-3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 – $99,999.99Rate/APY^0.75% / 0.75%1.09% / 1.10%1.34% / 1.35%1.59% / 1.60%1.78% / 1.80%1.98% / 2.00%2.37% / 2.40%
$100,000.00+Rate/APY0.85% / 0.85%1.19% / 1.20%1.44% / 1.45%1.69% / 1.70%1.88% / 1.90%2.08% / 2.10%2.47% / 2.50%

^ 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...

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.

To download a Rate Sheet, click here.

READ LESS -

50/50 Share Certificates

Rates Effective Date: December 5, 2019
Balance-50/50^^
$1,000.00 – $99,999.99Rate/APY^1.09% / 1.10%
$100,000.00+Rate/APY1.19% / 1.20%

^ 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 ...

READ MORE +

^ 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.

To download a Rate Sheet, click here.

READ LESS -

Consumer Loans

Rates Effective Date: December 5, 2019
Loan TypeAPR^
New Auto Loans3.29%
Used Auto Loans3.49%
New Motorhome/RV Loans6.49%
Used Motorhome/RV Loans6.99%
New Boat Loans7.99%
Used Boat Loans8.05%
New Motorcycle Loans6.99%
Used Motorcycle Loans7.99%
New Toys & Misc.7.75%
Used Toys & Misc.8.99%
Signature Loan - 35 months10.19%
Signature Loan - 48 months11.19%
Signature Loan - 60 months13.19%

APR is Annual Percentage Rate.

*APR = Annual Percentage Rate. Rate shown is at a 60-month term.

  • Listed interest rates include a .50% discount for full...
READ MORE +

APR is Annual Percentage Rate.

*APR = Annual Percentage Rate. Rate shown is at a 60-month term.

  • 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.

^ APR = Annual Percentage Rate. Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.

^^ Variable Rate indexed to the Prime Rate

Your minimum monthly payment will depend on the outstanding balance owed on your loan amortized over the remaining term of the loan. Monthly payment example: A 20-year home equity loan for $50,000, with an annual percentage rate of 4.50% would have 240 monthly payments of $316.47; however, your rate is subject to change depending on the current variable annual percentage rate. A refundable deposit may be required at time of application.

Always consult your tax advisor. You must maintain hazard insurance on the property that will secure this loan. Flood insurance may also be required. Other restrictions may apply.

To download a Rate Sheet, click here.

READ LESS -

Savings Secured Loans

Rates Effective Date: December 5, 2019
Type
Share SecuredVariable / APR^3.00% above dividend rate being paid on the Share Account securing the loan
Certificate SecuredFixed / APR3.00% above dividend rate being paid on the Share Certificate Account securing the loan
Credit BuilderFixed / APR5.00% above dividend rate being paid on the Share Certificate Account securing the loan

^ APR = Annual Percentage Rate.

To download a Rate Sheet, click here.

Credit Cards

Rates Effective Date: December 5, 2019
Type
Credit CardsVariable/APR^As low as 10.74%

^ Variable Rate indexed to the Prime Rate. APR = Annual Percentage Rate.

To download a Rate Sheet, click here.

Home Equity & Mortgage Loans

Rates Effective Date: December 5, 2019
Loan TypeRateVariableAPRIndex^^Margin
Home Equity Line of Credit Owner Occupied-6.000%6.025%4.750%1.250%
Home Equity Closed-End Loans Owner Occupied5.70%-5.72%--
First Mortgage Loans----Call (866) 571-5076 for Current Rates

^ Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rate...

READ MORE +

^ Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.

^^ Variable Rate indexed to the Prime Rate

To download a Rate Sheet, click here.

To download the Important Terms of our HELOC, click here.

READ LESS -

Savings and Checking Business Accounts

Rates Effective Date: December 5, 2019
Account TypeOpening DepositRateAPY^
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.

To download a Rate Sheet, click here.

Business Prestige Money Market

Rates Effective Date: December 5, 2019
BalanceRateAPY^
$0.00 – $2,499.990.15%0.15%
$2,500.00 – $24,999.990.20%0.20%
$25,000.00+0.20%0.20%

^ APY = Annual Percentage Yield.

To download a Rate Sheet, click here.

Business Certificate Accounts

Rates Effective Date: December 5, 2019
Balance-3 Months6 Months9 Months12 Months24 Months48 Months60 Months
$1,000-$99,999.99Rate/APY^0.75%/0.75%1.09%/1.10% 1.34%/1.35% 1.59%/1.60%1.78%/1.80%1.98%/2.00%2.52%/2.55%
$100,000.00+Rate/APY0.85%/0.85%1.19%/1.20%1.44%/1.45%1.69%/1.70%1.88%/1.90%2.08%/2.10%2.62%/2.65%

^ 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 -

Checking and Savings Rates

Rates Effective Date: December 5, 2019
Account TypeOpening DepositRateAPY^
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$00.10%0.10%
Holiday Savings$00.10%0.10%
Wealth Builder^^$10,000+0.93%0.93%

^ 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...

READ MORE +

^ 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.

To download a Rate Sheet, click here.

READ LESS -

Prestige Money Market

Rates Effective Date: December 5, 2019
BalanceRateAPY
$0.00 – $9,999.990.50%0.50%
$10,000.00 – $49,999.990.80%0.80%
$50,000.00+1.24%1.25%

^ 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...

READ MORE +

^ 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.

To download a Rate Sheet, click here.

READ LESS -

Term Share Certificates

Rates Effective Date: December 5, 2019
Balance-3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 – $99,999.99Rate/APY^0.75% / 0.75%1.09% / 1.10%1.34% / 1.35%1.59% / 1.60%1.78% / 1.80%1.98% / 2.00%2.37% / 2.40%
$100,000.00+Rate/APY0.85% / 0.85%1.19% / 1.20%1.44% / 1.45%1.69% / 1.70%1.88% / 1.90%2.08% / 2.10%2.47% / 2.50%

^ 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...

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.

To download a Rate Sheet, click here.

READ LESS -

50/50 Share Certificates

Rates Effective Date: December 5, 2019
Balance-50/50^^
$1,000.00 – $99,999.99Rate/APY^1.09% / 1.10%
$100,000.00+Rate/APY1.19% / 1.20%

^ 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 ...

READ MORE +

^ 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.

To download a Rate Sheet, click here.

READ LESS -

Consumer Loans

Rates Effective Date: December 5, 2019
Loan TypeAPR^
New Auto Loans3.29%
Used Auto Loans3.49%
New Motorhome/RV Loans6.49%
Used Motorhome/RV Loans6.99%
New Boat Loans7.99%
Used Boat Loans8.05%
New Motorcycle Loans6.99%
Used Motorcycle Loans7.99%
New Toys & Misc.7.75%
Used Toys & Misc.8.99%
Signature Loan - 35 months10.19%
Signature Loan - 48 months11.19%
Signature Loan - 60 months13.19%

APR is Annual Percentage Rate.

*APR = Annual Percentage Rate. Rate shown is at a 60-month term.

  • Listed interest rates include a .50% discount for full...
READ MORE +

APR is Annual Percentage Rate.

*APR = Annual Percentage Rate. Rate shown is at a 60-month term.

  • 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.

^ APR = Annual Percentage Rate. Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.

^^ Variable Rate indexed to the Prime Rate

Your minimum monthly payment will depend on the outstanding balance owed on your loan amortized over the remaining term of the loan. Monthly payment example: A 20-year home equity loan for $50,000, with an annual percentage rate of 4.50% would have 240 monthly payments of $316.47; however, your rate is subject to change depending on the current variable annual percentage rate. A refundable deposit may be required at time of application.

Always consult your tax advisor. You must maintain hazard insurance on the property that will secure this loan. Flood insurance may also be required. Other restrictions may apply.

To download a Rate Sheet, click here.

READ LESS -

Savings Secured Loans

Rates Effective Date: December 5, 2019
Type
Share SecuredVariable / APR^3.00% above dividend rate being paid on the Share Account securing the loan
Certificate SecuredFixed / APR3.00% above dividend rate being paid on the Share Certificate Account securing the loan
Credit BuilderFixed / APR5.00% above dividend rate being paid on the Share Certificate Account securing the loan

^ APR = Annual Percentage Rate.

To download a Rate Sheet, click here.

Credit Cards

Rates Effective Date: December 5, 2019
Type
Credit CardsVariable/APR^As low as 10.74%

^ Variable Rate indexed to the Prime Rate. APR = Annual Percentage Rate.

To download a Rate Sheet, click here.

Home Equity & Mortgage Loans

Rates Effective Date: December 5, 2019
Loan TypeRateVariableAPRIndex^^Margin
Home Equity Line of Credit Owner Occupied-6.000%6.025%4.750%1.250%
Home Equity Closed-End Loans Owner Occupied5.70%-5.72%--
First Mortgage Loans----Call (866) 571-5076 for Current Rates

^ Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rate...

READ MORE +

^ Fees apply and will include a processing, flood, title insurance, property appraisal and escrow fee. A membership fee applies for applicants who are not currently a member of Altura Credit Union. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.

^^ Variable Rate indexed to the Prime Rate

To download a Rate Sheet, click here.

To download the Important Terms of our HELOC, click here.

READ LESS -

Savings and Checking Business Accounts

Rates Effective Date: December 5, 2019
Account TypeOpening DepositRateAPY^
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.

To download a Rate Sheet, click here.

Business Prestige Money Market

Rates Effective Date: December 5, 2019
BalanceRateAPY^
$0.00 – $2,499.990.15%0.15%
$2,500.00 – $24,999.990.20%0.20%
$25,000.00+0.20%0.20%

^ APY = Annual Percentage Yield.

To download a Rate Sheet, click here.

Business Certificate Accounts

Rates Effective Date: December 5, 2019
Balance-3 Months6 Months9 Months12 Months24 Months48 Months60 Months
$1,000-$99,999.99Rate/APY^0.75%/0.75%1.09%/1.10% 1.34%/1.35% 1.59%/1.60%1.78%/1.80%1.98%/2.00%2.52%/2.55%
$100,000.00+Rate/APY0.85%/0.85%1.19%/1.20%1.44%/1.45%1.69%/1.70%1.88%/1.90%2.08%/2.10%2.62%/2.65%

^ 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 -

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