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We have a Planned System Maintenance scheduled from 9pm on Saturday, April 12th to 3am on Sunday, April 13th. Online banking and the Mobile App will be unavailable during this time. We apologize for any inconvenience this may cause.

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

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What is the Difference Between a Credit Card and a Debit Card?

When you pay using your debit card, the money for the transaction is coming directly from your checking account. On the other hand, with a credit card, you won’t immediately be charged. You are accruing expenses. Every month, you will receive a credit card bill. If you don’t pay the bill off right away, you will have to pay interest on your purchases.

You will also need to set up a PIN when you open a debit card. You don’t need a PIN with a credit card. However, you are still able to run your debit card as a credit card where you sign for a purchase rather than using your PIN.