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Holiday Closure: In observance of Independence Day, Altura offices and branches will be closed on Monday, July 4. Online and mobile banking and our ATMs will be available for your convenience.

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Altura partners with Balance to offer our members even more financial resources to build your education when it comes to your fiscal matters.

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Altura understands that you have to start somewhere. Use our Credit Builder options to grow your credit score quickly!

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Take advantage of the free counseling services for our Members. We offer everything from debt and budget to student loan counseling, and more!

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Working at Altura has its perks and benefits. Check out our careers page and join the family today!

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Altura offers scholarships for graduating high schoolers. A $1,000 monetary award is given to selected seniors meeting the scholarship criteria.

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Personal Loans

Skip A Payment

Altura is committed to making your life easier. That’s why we give you the option to skip a loan payment once a year.

Skipping Loan Payments

An Easy Way to Save Money

Most Altura Credit Union loans also come with the Skip a Payment option. This is the perfect way to save money when unexpected expenses come up or if money is a little tight. To use the Skip a Payment option, your account must remain in good standing and your loan must already have at least a six-month payment history.

Keep in mind that you will have to pay a small fee if you choose to skip a payment. This is still much easier than having to make your full loan payment. You are limited to one skipped payment per loan, per year. Make sure you request to skip your payment at least one day before your next payment. 

Skip a Payment is available on these loans:

  • Auto Loans
  • RV Loans
  • Big Toy Loans
  • Signature Loans

Skip a Payment is not available for home equity and mortgage loans. If you’re not sure if your loan qualifies for Skip a Payment, talk to someone at your local Altura branch.


Credit Card Automatic Payment Skips

Altura’s commitment to convenience doesn’t stop with loan repayment. It also extends to your credit card payments. If you have an Altura credit card, you have automatic payment skips every January, August, and September. During these months you can choose to pay the minimum payment due, or you can opt to skip it. This is yet another way that Altura Credit Union is always looking out for you. 

To skip a payment, talk to Altura Credit Union’s Member Services by calling 1-888-883-7228. You can also visit your local Altura branch to speak with someone in person.,


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.

How Often Can I Use Skip a Payment?

For your loans, you may only use Skip a Payment once per year per loan. For credit cards, you will have the option to skip up to three payments per year. However, skipping your credit card payments can only happen in the months of January, August, and September.

Will One Late Payment Affect My Credit Score? (Late Payment Credit Score)

Although one late payment on a loan may not seem like a big deal, it can still have an effect on your credit, especially if the payment is more than 30 days late. If you have a very high credit score (780 or more), your credit will be more severely impacted. For example, a payment that is 30 days late could cause your credit score to drop by 100 points! With the Skip a Payment option, you won’t have to worry about this.

Disclaimer Information

Skip-a-Pay is available only once per loan per year. Loan needs to have at least a six-month payment history. A payment skip cannot happen more than once in a twelve-month period. There is a fee to skip a payment on a loan. Fee is not applied to t...


Skip-a-Pay is available only once per loan per year. Loan needs to have at least a six-month payment history. A payment skip cannot happen more than once in a twelve-month period. There is a fee to skip a payment on a loan. Fee is not applied to the balance of the loan. Credit card skips are automatic and optional and do not have a fee. Interest accrues on outstanding balances. See the Schedule of Fees for details.


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Financial Well-Being

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Financial Well-Being

Learn How to Build Your Credit


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