Online Account Access
Personal & Business Rates
Personal Rates
Rates Effective Date:
| Account Type | Opening Deposit | Rate | APY |
|---|---|---|---|
| Regular Share Savings | $25.00+ | 0.10% | 0.10% |
| Side Share | $0 | 0.10% | 0.10% |
| Holiday Savings | $0 | 0.10% | 0.10% |
| Honors Checking | $100.00+ | 0.05% | 0.05% |
| WealthBuilder^ | $10,000.00+ | 0.93% | 0.93% | ^ 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. |
Money Market Accounts
Smart Money Market
Rates Effective Date:
| Balance | Rate | APY |
|---|---|---|
| $0.00 – $9,999.99 | 0.10% | 0.10% |
| $10,000.00 – $49,999.99 | 0.15% | 0.15% |
| $50,000.00+ | 0.20% | 0.20% |
Prestige Money Market
Rates Effective Date:
^ 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. |
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| Balance | Rate | APY |
|---|---|---|
| $0.00 – $9,999.99 | 0.50% | 0.50% |
| $10,000.00 – $49,999.99 | 0.80% | 0.80% |
| $50,000.00+ | 1.24% | 1.25% |
Share Certificate Accounts
Rates Effective Date:
^ Penalties for early withdrawals. |
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| Balance | _ | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months | 50/50^^ |
|---|---|---|---|---|---|---|---|---|---|
| $1,000.00 – $99,999.99 | Rate/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% | 1.09% / 1.10% |
| $100,000.00+ | Rate/APY | 0.85% / 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% | 1.19% / 1.20% |
Consumer Loans
Rates Effective Date:
APR = Annual Percentage Rate. p(small). *APR = Annual Percentage Rate. Rate shown is at a 36 month term with a monthly payment of $1,298.71 for a $45,000 loan at an APR of 2.49% ($28.86 per thousand).Longer terms and used auto rates available. Rate includes a 0.50% reduction for automatic payment from an Altura Credit Union checking account with payroll direct deposit. No payments for the first 90 days if financed during the promotional period. Interest will accrue until time of first payment. Negative amortization may occur. If you have acquired an Altura loan within the last 60 days, you may not qualify for this loan. Zero down on approved credit. This offer is not valid for refinancing an existing Altura Credit Union loan unless a minimum of $2,500 cash out is taken on the vehicle. Promotional period ends August 31, 2019. Other restrictions may apply. Maximum limit of $150,000 aggregate total secured debt excluding real estate. Loan needs to have at least 6-months pay history to qualify for this offer, you may skip one payment every 12 months. Skip-A-Payment has a $25 fee and is available for loans financed through Altura Credit Union and excludes Home Equity or HELOC Loans, and Credit Cards Loans.
^ 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. |
|
| Loan Type | APR |
|---|---|
| New Auto Loans | 2.49% |
| Used Auto Loans | 3.49% |
| New Motorhome/RV Loans | 6.49% |
| Used Motorhome/RV Loans | 6.99% |
| New Boat Loans | 7.99% |
| Used Boat Loans | 8.05% |
| New Motorcycle Loans | 6.99% |
| Used Motorcycle Loans | 7.99% |
| New Toys & Misc. | 7.75% |
| Used Toys & Misc. (Seadoos, Dirt Bikes, etc.) | 8.99% |
| Signature Loan – 36 months | 10.19% |
| Signature Loan – 48 months | 11.19% |
| Signature Loan – 60 months | 13.19% |
Savings Secured Loans
Rates Effective Date:
| 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 |
Credit Card Loans
Rates Effective Date:
| Type | _ | _ |
|---|---|---|
| Credit Cards | Variable/APR* | As low as 11.24% |
Home Equity & Mortgage Loans
Rates Effective Date:
^ 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 |
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| Loan Type | Rate | Variable | APR | Index^^ | Margin |
|---|---|---|---|---|---|
| Home Equity Line of Credit Owner Occupied | 6.500% | 6.525% | 5.250% | 1.250% | |
| Home Equity Closed-End Loans Owner Occupied | 5.62% | 5.64% | |||
| First Mortgage Loans | Call (866) 571-5076 for Current Rates |
Business Rates
Savings & Checking Business Accounts
Rates Effective Date:
| 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% |
Business Smart Money Market
Rates Effective Date:
| Balance | Rate | APY |
|---|---|---|
| $0.00 – $2,499.99 | 0.10% | 0.10% |
| $2,500.00 – $24,999.99 | 0.10% | 0.10% |
| $25,000.00+ | 0.10% | 0.10% |
Business Prestige Money Market
Rates Effective Date:
| 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% |
Business Certificate Accounts
Altura Credit Union share accounts are federally insured to at least $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF). Fees may reduce earnings. APY = Annual Percentage Yield
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| Balance | _ | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000-$99,999.99 | Rate/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/APY | 0.85%/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% |
To download a rate sheet, click here.
To download the Important Terms of our HELOC, click here.