We have a Planned System Maintenance scheduled from 10pm on Saturday, April 20th to 4am on Sunday, April 21st. We apologize for any inconvenience this may cause.

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Forget generic plastic, go wild! Nicknames, teams, or just a sprinkle of you – personalize your Altura cards with a second line and make them truly yours.
Second Line on Debit and Credit Cards - Altura Credit Union

Six decades of unwavering service, six decades of dreams realized. Altura’s legacy is etched throughout Riverside County.

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Building stronger futures, brick by brick and lesson by lesson, Altura fuels community through volunteerism.

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Boost your savings, boost your luck! Altura rewards $1,500 to two lucky savers every quarter – could you be next?

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Credit Unions are financial cooperatives because they are owned by their members. Each member has an ownership share in the credit union.

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Lorenzo Perez - Member Since 2000

What is a Credit Card Balance Transfer?

A balance transfer is when you want to move your credit card debt from one financial institution to another, all for the purpose of obtaining a lower annual percentage rate and any other offers that come with it (a rewards program for example).

How do I know if a balance transfer is right for me?

At Altura, we keep our credit card rates competitively low and so if you find yourself at another financial institution paying an excessive amount, our team is ready to help assess what your payment might be with us.

Special balance transfer promotions

Financial institutions, including Altura, will often do balance transfer promotions where you can take advantage of special low rate offers. What you should consider is that the special low rate offer will remain effective as long as you can continue to make your minimum payment due, or else you run the risk of losing the introductory Annual Percentage Rate and being moved to a higher APR. Once again, with Altura, our rates in general are competitive and this also applies to our standard rate tiers.

The takeaway

If you are someone who is serious about getting ahead of your payments, a balance transfer is a great option. By having a lower APR, you can allow yourself some breathing room to pay off other debt while maintaining your new balance at a new financial institution.

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