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The Ungerer Family - Members Since 2000
Savings Accounts

Credit Union Money Market

The Ungerer Family - Members Since 2000

Planting For Your Future

By taking advantage of our Prestige Money Market Account, you can earn higher dividends than a traditional savings account while still providing access to your funds.

Money market accounts are the perfect combination of savings and checking accounts. However, unlike a traditional savings account, you can also write checks with your money market. The higher your account balance is, the higher dividends you’ll earn. You invest in a money market account to earn the higher dividends than you would with a savings account.

Open a Prestige Money Market Account with Altura

Still have questions about money markets? Altura Credit Union would love to answer them! Call us at (888) 883-7228 or visit your local Altura branch today.

About Money Market Accounts

Prestige Money Market

A Prestige Money Market account gives you the ability to earn higher dividends while keeping your funds liquid. This account also allows check-writing privileges.

Features include:

  • Dividends paid monthly, calculated daily. Rate may change after the account is opened.
  • Rates are higher than current Smart Money Market rates.
  • Tiered rates – the higher your balance, the higher your rate.
  • An Altura checking account is required.
  • Higher dividends are earned each month so long as the Altura checking account has a minimum of ten debit card transactions per month. Otherwise, the rate paid reverts to the current Smart Money Market rate for that month.
  • To earn the lowest Prestige Money Market rate, maintain a minimum balance of $2,500. Otherwise, the rate earned is equal to the current Smart Money Market rate.
  • Monthly fee when your balance falls below $2,500.
  • Minimum opening deposit is $2,500
  • Ability to write up to three checks per month.
Rates Effective Date: March 19, 2024
BalanceRateAPY^
$0.00 – $9,999.991.14%1.15%
$10,000.00 – $49,999.991.24%1.25%
$50,000.00+1.54%1.55%

^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card tr...

READ MORE +

^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card transactions, your balance will earn the dividend rate stated on the current rate sheet. If you have less than ten debit card transactions during the month, your balances will earn the Smart Money Market rate for that month as stated on the current rate sheet. Dividends and fee postings are not considered checking account transactions. Qualifying debit card transactions include signature and PIN-based point of sale. APY= Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. See our Schedule of Fees (AlturaCU.com/disclosures) for additional details. A one-time membership fee applies for non-members. You must maintain a minimum daily balance of $2,500 to avoid a monthly fee.

Download a Rate Sheet here: English | Spanish

READ LESS -

Smart Money Market Rates

A Smart Money Market is a high yield, liquid savings account that rewards members for maintaining higher balances.

Features include:

  • Dividends Earned on Total Balance
  • Tiered Rates (higher balances earn higher dividend rate)
Rates Effective Date: March 19, 2024
BalanceRateAPY
$0.00 – $9,999.990.10%0.10%
$10,000.00 – $49,999.990.15%0.15%
$50,000.00+0.20%0.20%

Prestige Money Market

A Prestige Money Market account gives you the ability to earn higher dividends while keeping your funds liquid. This account also allows check-writing privileges.

Features include:

  • Dividends paid monthly, calculated daily. Rate may change after the account is opened.
  • Rates are higher than current Smart Money Market rates.
  • Tiered rates – the higher your balance, the higher your rate.
  • An Altura checking account is required.
  • Higher dividends are earned each month so long as the Altura checking account has a minimum of ten debit card transactions per month. Otherwise, the rate paid reverts to the current Smart Money Market rate for that month.
  • To earn the lowest Prestige Money Market rate, maintain a minimum balance of $2,500. Otherwise, the rate earned is equal to the current Smart Money Market rate.
  • Monthly fee when your balance falls below $2,500.
  • Minimum opening deposit is $2,500
  • Ability to write up to three checks per month.
Rates Effective Date: March 19, 2024
BalanceRateAPY^
$0.00 – $9,999.991.14%1.15%
$10,000.00 – $49,999.991.24%1.25%
$50,000.00+1.54%1.55%

^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card tr...

READ MORE +

^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card transactions, your balance will earn the dividend rate stated on the current rate sheet. If you have less than ten debit card transactions during the month, your balances will earn the Smart Money Market rate for that month as stated on the current rate sheet. Dividends and fee postings are not considered checking account transactions. Qualifying debit card transactions include signature and PIN-based point of sale. APY= Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. See our Schedule of Fees (AlturaCU.com/disclosures) for additional details. A one-time membership fee applies for non-members. You must maintain a minimum daily balance of $2,500 to avoid a monthly fee.

Download a Rate Sheet here: English | Spanish

READ LESS -

Smart Money Market Rates

A Smart Money Market is a high yield, liquid savings account that rewards members for maintaining higher balances.

Features include:

  • Dividends Earned on Total Balance
  • Tiered Rates (higher balances earn higher dividend rate)
Rates Effective Date: March 19, 2024
BalanceRateAPY
$0.00 – $9,999.990.10%0.10%
$10,000.00 – $49,999.990.15%0.15%
$50,000.00+0.20%0.20%
THE UNGERER FAMILY | MEMBERS SINCE 2000

"One of the best parts about the Prestige Money Market is you have full access to it at any time."

WATCH THEIR STORY

THE UNGERER FAMILY STORY

GABRIELA HANSON | MEMBER SINCE 2002

"Thank you Altura, for making me feel like I'm family and not just a number. You guys have always been there for me, from 20 years ago up until now."

WATCH HER STORY

GABRIELA HANSON'S STORY

TERI BARBEAU | MEMBER SINCE 1994

"Altura has been really good to me throughout the years. Whenever I walk into a branch in my area, there's always someone to say, "Hello," as soon as I come...

WATCH HER STORY

TERI BARBEAU'S STORY

FAQs

How Safe are Money Markets?

There are risks with all investments. However, money market accounts are a fairly safe option for investing that carries a low risk for the investor. Plus, your accounts are federally insured by The National Credit Union Administration (NCUA) up to $250,000.

Is a Money Market Account or CD Better?

The best investment for your money is largely personal preference. If you’re looking for an investment that gives you more immediate access to your funds, a money market is the best option for you. As long as you don’t go over your transaction limit, you can withdraw from or deposit money into your account with ease.

You won’t have this same luxury with a CD. Once your money is in a CD, it’s there until the term is up. If you’re willing to part with your money long-term (two years or more), you’ll make a sizable return on a CD investment. But if you don’t want to invest for that long, a money market will usually offer you a better interest rate than a CD with a shorter term.

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6403 Riverside Avenue Riverside CA 92506

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1821 S. San Jacinto Avenue, Suite G, San Jacinto, CA 92583

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38995 Sky Canyon Drive Murrieta, CA 92563

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27130 Eucalyptus Avenue, Ste E Moreno Valley CA 92555

Banning, CA

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300 S. Highland Springs Avenue Banning CA 92220

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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

Disclaimer Information

^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card transactions, your balance will earn the d...

READ MORE +

^ Members must be either the primary or joint account holder on a Prestige Money Market account, in order to receive this rate. During any given month that your checking account has ten or more debit card transactions, your balance will earn the dividend rate stated on the current rate sheet. If you have less than ten debit card transactions during the month, your balances will earn the Smart Money Market rate for that month as stated on the current rate sheet. Dividends and fee postings are not considered checking account transactions. Qualifying debit card transactions include signature and PIN-based point of sale. APY= Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings. See our Schedule of Fees (AlturaCU.com/disclosures) for additional details. A one-time membership fee applies for non-members. You must maintain a minimum daily balance of $2,500 to avoid a monthly fee.

READ LESS -

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