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Our Sun Lakes branch is currently closed due to a power outage and is anticipated to reopen at 10:00 am tomorrow (6-15) as normally scheduled.

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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?
Second Line on Debit and Credit Cards - Altura Credit Union

We are always holding giveaways on our Facebook page. Don’t miss out, and check back often.

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

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We volunteer our time, whether it’s fundraising for Habitat for Humanity or helping local teachers makeover their classrooms, we always want to be involved!

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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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Ricardo Villalpando - Member Since 2017
Altura Credit Union

Riverside Auto Loans

Ready to Get an Auto Loan?

To apply for an auto loan with Altura, you can visit one of our branches in Riverside, CA or apply online.

You can also use our car buying service, Auto Expert, to locate the car of your dreams. We handle everything including locating and negotiating your vehicle interest.

All About Auto Loans

How Do Auto Loans Work?

If you are looking to purchase a car, typically you will need to take out a card loan. When you get an auto loan from a financial institution, you will receive your money in a lump sum and then pay back the amount, plus interest, over a certain period of time (the “Term”).

Your monthly payment will be determined by:

  1. The amount of the loan
  2. The term of the loan – the amount of time you have to pay back the entire loan
  3. The APR (annual percentage rate) – the interest rate you pay on your loan

 

How to Refinance an Auto Loan

If you have an existing car loan that you would like to refinance, we can help you with that as well!

Refinancing your existing auto loan involves taking out a new loan with Altura as a means to pay off your existing loan balance. The benefit to refinancing is that you can typically save money by either increasing your repayment period (e.g. 36-month term to 72-month term), lowering your interest rate (APR), or both.

Auto Loan Calculator

Estimate your monthly auto loan payment with Altura’s auto loan calculator. Simply enter the information in the designated fields below to receive your monthly estimate. Planning to finally purchase that new car has never been easier!

Auto Loan Calculator

Auto Loan Rates

Below are our latest auto loan rates for new and used vehicles:

Rates Effective Date: June 18, 2021
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Car Loans (2020-2021 Model Years) - APR*2.24%2.24%2.39%2.59%4.24%
Used Car Loans (2019 & Older Model Years) - APR*2.44%2.44%2.59%2.79%4.44%

* 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...

READ MORE +

* 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.

To download a Rate Sheet, click here.

READ LESS -

How to Get a Car Loan with Altura

To apply for an auto loan with Altura, you can visit one of our branches in Riverside, CA or apply online.

You can also use our car buying service, Auto Expert, to locate the car of your dreams. We handle everything including locating and negotiating your vehicle interest.

How Do Auto Loans Work?

If you are looking to purchase a car, typically you will need to take out a card loan. When you get an auto loan from a financial institution, you will receive your money in a lump sum and then pay back the amount, plus interest, over a certain period of time (the “Term”).

Your monthly payment will be determined by:

  1. The amount of the loan
  2. The term of the loan – the amount of time you have to pay back the entire loan
  3. The APR (annual percentage rate) – the interest rate you pay on your loan

 

How to Refinance an Auto Loan

If you have an existing car loan that you would like to refinance, we can help you with that as well!

Refinancing your existing auto loan involves taking out a new loan with Altura as a means to pay off your existing loan balance. The benefit to refinancing is that you can typically save money by either increasing your repayment period (e.g. 36-month term to 72-month term), lowering your interest rate (APR), or both.

Auto Loan Calculator

Estimate your monthly auto loan payment with Altura’s auto loan calculator. Simply enter the information in the designated fields below to receive your monthly estimate. Planning to finally purchase that new car has never been easier!

Auto Loan Calculator

Auto Loan Rates

Below are our latest auto loan rates for new and used vehicles:

Rates Effective Date: June 18, 2021
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Car Loans (2020-2021 Model Years) - APR*2.24%2.24%2.39%2.59%4.24%
Used Car Loans (2019 & Older Model Years) - APR*2.44%2.44%2.59%2.79%4.44%

* 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...

READ MORE +

* 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.

To download a Rate Sheet, click here.

READ LESS -

How to Get a Car Loan with Altura

To apply for an auto loan with Altura, you can visit one of our branches in Riverside, CA or apply online.

You can also use our car buying service, Auto Expert, to locate the car of your dreams. We handle everything including locating and negotiating your vehicle interest.

Relationship Discount

Save an automatic 0.50% on your loan rate for Members who have full payroll direct deposit and automatic payment withdrawals from their Altura checking or savings account.

Debt Cancellation

Debt Cancellation protects you in the event of involuntary unemployment, disability or your heirs in the event of an untimely death.

Mechanical Breakdown Insurance

Altura offers Mechanical Breakdown Insurance to cover the smaller car repairs that regular car insurance won’t cover.

GAP Insurance

This insurance is to help you pay off your loan in the event of a total loss vehicle.

FAQs

Can I Skip a Car Payment on My Car Loan?

As an Altura Credit Union member, you can skip one payment per year on your car loan. This is a convenient option that not all lenders provide. Before you skip a payment, make sure you have at least six months of payment history on your loan.

Can I Make My Monthly Payments with an Automated Debit from My Checking Account?

Automated monthly payments are available. At the loan closing, an automated payment application will be provided. Simply return it at your earliest convenience to enroll in the automated payment program.

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Financial Well-Being

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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

Ready to Apply for an Auto Loan?

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