We have a Planned System Maintenance scheduled from 10pm on Saturday, February 24th to 4am on Sunday, February 25th. We apologize for any inconvenience this may cause.

Tenemos un mantenimiento del sistema planificado programado desde las 10 p.m. del sábado 24 de febrero hasta las 4 a.m. del domingo 25 de febrero. Pedimos disculpas por cualquier inconveniente que esto pueda causar.

Did you know?

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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Products

Membership Benefits Brochure

View our full Membership Benefits.

BENEFITS BROCHURE

 

Folleto de Beneficios de Membresía

Vea todos nuestros Beneficios de Membresía.

Folleto de Beneficios

A Redesigned Checking Experience

Altura Credit Union is continuously looking for ways to make our Members’ financial lives as convenient as possible. Based upon Member feedback, we have redesigned our main checking account.

Introducing Ascend Checking, a checking account that is simple, has limited stipulations, and no monthly service fees. You also get a several benefits that we think you’ll love, including real-time access to monitor and protect your credit score and dividends based on balances in your account*.

  • No Fees
    • No monthly maintenance fees. No gimmicks. Ever.
  • Free Credit Monitoring
    • Free credit monitoring, reporting and daily updates.**
  • Dividends**
    • Earn dividends on higher balances.**
  • ID Theft Protection
    • Get free ID theft protection

* The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an average daily balance of $50,000.00 during the statement cycle. Any account not qualifying for Tier I or Tier II will not earn dividends.

** Access to this feature is available to members who have either 5 monthly card transactions (debit or credit) or an existing current loan.

Minimum balance requirements: The minimum balance required to open this account is $25.00. Transaction limitations: No transaction limitations apply to this account unless
otherwise stated here: AlturaCU.com/Fees. Fees and Charges: No monthly maintenance fees or charges apply to this account. Click here for the full disclosure.

Auto Loans

Altura Credit Union offers financing on new and used cars, including tax, license and after-market products. You can use an Altura auto loan to purchase a new vehicle for yourself, or refinance an existing car.

Rates Effective Date: February 23, 2024
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Car Loans (2023-2024 Model Years) - ^APR4.99%5.49%5.69%6.09%7.49%
Used Car Loans (2022 & Older Model Years) - ^APR5.39%5.99%6.29%6.49%7.99%

^ 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.

Download a Rate Sheet here: English | Spanish

READ LESS -

Personal Loans

Whether unexpected or not, we understand that events happen in our everyday lives that may require us to borrow money. We make it easy and efficient for you to do just that with our Personal Loan. Altura’s Personal Loan can help fund all your needs without emptying your pockets with your best interest in mind:

  • Consolidating debt
  • Vacations
  • Weddings
  • Home improvements

Borrow up to $15,000 for a fixed term, with just your signature. A credit union personal loan is a loan that can be used to consolidate higher interest rate debt, go on a vacation with your family, or cover any unexpected expenses and more. Altura offers flexible loan terms to fit your budget.

Rates Effective Date: February 23, 2024
TermAPR
Up to 24 Months11.99%
Up to 36 Months12.49%
Up to 48 Months13.49%
Up to 60 Months15.49%

APPLY NOW

Download a Rate Sheet here: English | Spanish

Mortgage Loans

Altura offers many loan options including:

  • Jumbo Loans
  • Second Homes
  • Investment
  • Conventional Loans
  • Fixed-Rate Loans
  • FHA Loans
  • Adjustable-Rate Mortgages
  • VA Loans
  • Home Equity Lines of Credit
  • Manufactured Homes
Rates Effective Date: February 23, 2024
Loan TypeRateAPR*
15 Year5.875%6.169%
5/6 Month Sofr ARM6.375%6.669%
Jumbo 5/6 Month Sofr ARM6.375%6.769%
7/6 Month Sofr ARM6.500%6.794%
Jumbo 7/6 Month Sofr ARM6.500%6.894%

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you ...

READ MORE +

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you provide to determine if you meet the criteria. Debt to income ratio not to exceed 43%. Proof of income will be required. Loan-to-Value cannot exceed 80%. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply. NMLS# 417696

READ LESS -

Credit Builder

Designed for Members who are seeking to rebuild and increase their credit score.  Once the application is approved, funds will be placed into a Share Certificate. You make easy monthly payments and once the loan is paid off, you will have access to the cash.  Credit Builder helps you build up your credit history and your savings at the same time.

Even with a low score you can:

  • Be approved quickly!
  • Borrow up to $3,000.
  • Terms are 12-month, 24-month, & 36-month
Rates Effective Date: February 23, 2024
Type--
Credit BuilderFixed/APR^5.00% above dividend rate being paid on the Share Certificate Account securing the loan

^ APR = Annual Percentage Rate.

Download a Rate Sheet here: English | Spanish

Altura Cares

Altura’s Member Enrichment Program, Altura Cares, aspires to Enrich the Lives and Empower the Dreams of our Members and Communities we call home. Through unique experiences and extraordinary gestures both big and small, we are dedicated to making a difference for our Members and being there when it matters most.

 

Learn More

Your Path to Financial Fitness Starts Here

At Altura Credit Union, we care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget managing spending and debt. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

 

GO TO BALANCE

Altura Credit Union is Here to Support You

Throughout Altura’s history, we have been very much involved in our community. It’s easy for companies to say they care about the community and their customers (in our case, Members), but it’s something else when companies show it. Here at Altura, we put our money where our mouth is. We proudly sponsor groups, events, fundraisers, and individuals who fall within our Sponsorship Guidelines.

 

Learn More

Membership Benefits Brochure

View our full Membership Benefits.

BENEFITS BROCHURE

 

Folleto de Beneficios de Membresía

Vea todos nuestros Beneficios de Membresía.

Folleto de Beneficios

A Redesigned Checking Experience

Altura Credit Union is continuously looking for ways to make our Members’ financial lives as convenient as possible. Based upon Member feedback, we have redesigned our main checking account.

Introducing Ascend Checking, a checking account that is simple, has limited stipulations, and no monthly service fees. You also get a several benefits that we think you’ll love, including real-time access to monitor and protect your credit score and dividends based on balances in your account*.

  • No Fees
    • No monthly maintenance fees. No gimmicks. Ever.
  • Free Credit Monitoring
    • Free credit monitoring, reporting and daily updates.**
  • Dividends**
    • Earn dividends on higher balances.**
  • ID Theft Protection
    • Get free ID theft protection

* The dividend for Tier I annual percentage yield will be paid on accounts maintaining an average daily balance of $10,000.00 during the statement cycle and the dividend for Tier II annual percentage yield will be paid on accounts maintaining an average daily balance of $50,000.00 during the statement cycle. Any account not qualifying for Tier I or Tier II will not earn dividends.

** Access to this feature is available to members who have either 5 monthly card transactions (debit or credit) or an existing current loan.

Minimum balance requirements: The minimum balance required to open this account is $25.00. Transaction limitations: No transaction limitations apply to this account unless
otherwise stated here: AlturaCU.com/Fees. Fees and Charges: No monthly maintenance fees or charges apply to this account. Click here for the full disclosure.

Auto Loans

Altura Credit Union offers financing on new and used cars, including tax, license and after-market products. You can use an Altura auto loan to purchase a new vehicle for yourself, or refinance an existing car.

Rates Effective Date: February 23, 2024
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Car Loans (2023-2024 Model Years) - ^APR4.99%5.49%5.69%6.09%7.49%
Used Car Loans (2022 & Older Model Years) - ^APR5.39%5.99%6.29%6.49%7.99%

^ 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.

Download a Rate Sheet here: English | Spanish

READ LESS -

Personal Loans

Whether unexpected or not, we understand that events happen in our everyday lives that may require us to borrow money. We make it easy and efficient for you to do just that with our Personal Loan. Altura’s Personal Loan can help fund all your needs without emptying your pockets with your best interest in mind:

  • Consolidating debt
  • Vacations
  • Weddings
  • Home improvements

Borrow up to $15,000 for a fixed term, with just your signature. A credit union personal loan is a loan that can be used to consolidate higher interest rate debt, go on a vacation with your family, or cover any unexpected expenses and more. Altura offers flexible loan terms to fit your budget.

Rates Effective Date: February 23, 2024
TermAPR
Up to 24 Months11.99%
Up to 36 Months12.49%
Up to 48 Months13.49%
Up to 60 Months15.49%

APPLY NOW

Download a Rate Sheet here: English | Spanish

Mortgage Loans

Altura offers many loan options including:

  • Jumbo Loans
  • Second Homes
  • Investment
  • Conventional Loans
  • Fixed-Rate Loans
  • FHA Loans
  • Adjustable-Rate Mortgages
  • VA Loans
  • Home Equity Lines of Credit
  • Manufactured Homes
Rates Effective Date: February 23, 2024
Loan TypeRateAPR*
15 Year5.875%6.169%
5/6 Month Sofr ARM6.375%6.669%
Jumbo 5/6 Month Sofr ARM6.375%6.769%
7/6 Month Sofr ARM6.500%6.794%
Jumbo 7/6 Month Sofr ARM6.500%6.894%

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you ...

READ MORE +

*APR = Annual Percentage Rate. All loans and home equity lines of credit are subject to credit approval. Not all applicants will qualify. Altura will review your credit report along with the information you provide to determine if you meet the criteria. Debt to income ratio not to exceed 43%. Proof of income will be required. Loan-to-Value cannot exceed 80%. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply. NMLS# 417696

READ LESS -

Credit Builder

Designed for Members who are seeking to rebuild and increase their credit score.  Once the application is approved, funds will be placed into a Share Certificate. You make easy monthly payments and once the loan is paid off, you will have access to the cash.  Credit Builder helps you build up your credit history and your savings at the same time.

Even with a low score you can:

  • Be approved quickly!
  • Borrow up to $3,000.
  • Terms are 12-month, 24-month, & 36-month
Rates Effective Date: February 23, 2024
Type--
Credit BuilderFixed/APR^5.00% above dividend rate being paid on the Share Certificate Account securing the loan

^ APR = Annual Percentage Rate.

Download a Rate Sheet here: English | Spanish

Altura Cares

Altura’s Member Enrichment Program, Altura Cares, aspires to Enrich the Lives and Empower the Dreams of our Members and Communities we call home. Through unique experiences and extraordinary gestures both big and small, we are dedicated to making a difference for our Members and being there when it matters most.

 

Learn More

Your Path to Financial Fitness Starts Here

At Altura Credit Union, we care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. And should you need, BALANCE can assist with confidential, no-cost financial counseling services to help you develop a sensible budget managing spending and debt. For all your financial life stage changes and more, we—in partnership with BALANCE—are here to help.

 

GO TO BALANCE

Altura Credit Union is Here to Support You

Throughout Altura’s history, we have been very much involved in our community. It’s easy for companies to say they care about the community and their customers (in our case, Members), but it’s something else when companies show it. Here at Altura, we put our money where our mouth is. We proudly sponsor groups, events, fundraisers, and individuals who fall within our Sponsorship Guidelines.

 

Learn More

Contact Me

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