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Second Line on Debit and Credit Cards - Altura Credit Union

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Altura Credit Union was first opened back in 1957 and has grown to span all across Riverside County.

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Altura rewards two lucky members every quarter with a cash prize of $1,500. All you have to do is start saving!

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Credit 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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Savings Accounts

Share Certificates

A share certificate is a safe way to earn dividends by investing in cash for a set period of time.

How Do Share Certificates Work?

Share certificates are similar to certificates of deposit (CDs) except they are exclusively offered by credit unions. They are low-risk, and you don’t need much money to start investing. Altura offers two main types.

 

About Certificates

Term Certificates (3 to 60 Months)

Altura allows you to invest in a certificate for terms between 3 months and 5 years. You only need $1,000 to get started! The longer you keep your money in the account, the greater the dividends you will earn. Note that you will not be able to withdraw your money early without penalty.

Rates Effective Date: May 14, 2021
Balance-3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 – $99,999.99Rate/APY^0.25% / 0.25%0.30% / 0.30%0.40% / 0.40%0.50% / 0.50%0.60% / 0.60%0.75% / 0.75%1.00% /
1.00%
$100,000.00+Rate/APY0.35% / 0.35%0.40% / 0.40%0.50% / 0.50%0.60% / 0.60%0.70% / 0.70%0.85% / 0.85%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 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 Certificates (Ages 0-24)

A 50/50 certificate is designed for credit union members who are 24-years-old or younger. Investors only need $50 to get started. The terms are 50 weeks, just short of a year. This is the perfect way for younger people to start investing!

Rates Effective Date: May 14, 2021
Balance-50/50^^
$1,000.00 – $99,999.99Rate/APY^0.50% / 0.50%
$100,000.00+Rate/APY0.60% / 0.60%

^ 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 -

Term Certificates (3 to 60 Months)

Altura allows you to invest in a certificate for terms between 3 months and 5 years. You only need $1,000 to get started! The longer you keep your money in the account, the greater the dividends you will earn. Note that you will not be able to withdraw your money early without penalty.

Rates Effective Date: May 14, 2021
Balance-3 Months6 Months12 Months24 Months36 Months48 Months60 Months
$1,000.00 – $99,999.99Rate/APY^0.25% / 0.25%0.30% / 0.30%0.40% / 0.40%0.50% / 0.50%0.60% / 0.60%0.75% / 0.75%1.00% /
1.00%
$100,000.00+Rate/APY0.35% / 0.35%0.40% / 0.40%0.50% / 0.50%0.60% / 0.60%0.70% / 0.70%0.85% / 0.85%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 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 Certificates (Ages 0-24)

A 50/50 certificate is designed for credit union members who are 24-years-old or younger. Investors only need $50 to get started. The terms are 50 weeks, just short of a year. This is the perfect way for younger people to start investing!

Rates Effective Date: May 14, 2021
Balance-50/50^^
$1,000.00 – $99,999.99Rate/APY^0.50% / 0.50%
$100,000.00+Rate/APY0.60% / 0.60%

^ 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 -
KAREEM GONGORA | MEMBER SINCE 2015

"I ended up applying and literally getting the percentage cut in half as to what was being offered competitively and I ended up going forward and buying a car because...

WATCH STORY

KAREEM GONGORA TESTIMONIAL

AURELIA TORRES | MEMBER SINCE 1997

“Altura is there for us when we need them with auto loans, any kind of home loans and just great service. When you walk into the branches they’re friendly, professional...

WATCH STORY

AURELIA TORRES TESTIMONIAL

NICOLE MELENDEZ | MEMBER SINCE 2018

“Even if you weren't a Member they would gladly help you become a Member quickly and be there for you, through anything.”

WATCH STORY

NICOLE MELENDEZ TESTIMONIAL

KIMBERLY GREEN | MEMBER SINCE 1999

“Their way of greeting you and taking their time— you’re not just a number there. You feel like a person, you feel like you matter.”

WATCH STORY

KIMBERLY GREEN TESTIMONIAL

FAQs

What is the Difference Between a Certificate of Deposit (CDs) and a Share Certificate?

They are actually the same kind of investment. The difference is that a bank can issue CDs, while only a credit union can offer share certificates. Because of this, these investments are also insured by different organizations. While certificates of deposit are insured by the Federal Deposit Insurance Corporation (FDIC), share certificates are insured by the National Credit Union Share Insurance Fund (NCUSIF).

Is a Share Certificate a Safe Investment?

Share certificates, just like any kind of investment, do carry some risk to the investor. However, they are very safe and, thus, they are usually considered one of the best investments you can make. They are insured by the National Credit Union Share Insurance Fund for up to $250,000.

Can I Withdraw My Money from a Share Certificate Early?

Once your money is in a share certificate, you are committing not to use it for the length of your term. Thus, if you decide you want to withdraw your investment early, you will be penalized. The price of your penalty will depend on the length of the term.

Visit a Local Branch

RIVERSIDE, CA

14th Street Branch

3451 14th Street Riverside CA 92501

WILDOMAR, CA

Bear Creek Branch

36068 Hidden Springs Road Unit 9 Wildomar CA 92595

Moreno Valley, CA

Cactus Branch

23540 Cactus Avenue Moreno Valley CA 92553

RIVERSIDE, CA

Canyon Springs Branch

2692 Canyon Springs Parkway Ste C Riverside CA 92507

COACHELLA, CA

Coachella Branch

50057 Cesar Chavez, Suite A, Coachella, CA 92236

Corona, CA

Corona Lincoln Branch

650 S. Lincoln Ste 101 Corona CA 92882

Corona, CA

Corona Plaza Branch

2331 Compton Avenue Corona CA 92881

Indio, CA

Indio Branch

81096 Hwy 111 Indio CA 92201

RIVERSIDE, CA

Magnolia Branch

10725 Magnolia Avenue Riverside CA 92505

Murrieta, CA

Murrieta Branch

40412 Murrieta Hot Springs Road Murrieta CA 92563

Rancho Mirage, CA

Rancho Mirage Branch

36-101 Bob Hope Drive Ste E-9 Rancho Mirage CA 92270

RIVERSIDE, CA

Riverside Avenue Branch

6403 Riverside Avenue Riverside CA 92506

SAN JACINTO, CA

San Jacinto Branch

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

FRENCH VALLEY, CA

Silver Hawk Branch

38995 Sky Canyon Drive Murrieta, CA 92563

Moreno Valley, CA

Stoneridge Branch

27130 Eucalyptus Avenue, Ste E Moreno Valley CA 92555

Banning, CA

Sun Lakes Branch

300 S. Highland Springs Avenue Banning CA 92220

RIVERSIDE, CA

University Avenue Branch

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

Early withdrawal penalties may apply. Fees may reduce earnings. See the Schedule of Fees for details. A one-time membership fee applies for non-members.

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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