In observance of Christmas Eve and Christmas Day, Altura’s branches and offices will be closing at 1:00pm on Tuesday, December 24th and will be closed on Wednesday, December 25th.
Online Banking, the mobile app, and our ATMs will be available for your convenience. Thank you.

The holiday season brings joy, but it also attracts increased fraud activity. Stay safe by shopping securely, monitoring your accounts, and keeping your sensitive information private.
Visit AlturaCU.com/fraud-security for more tips.

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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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Yazmin Mejia - Member Since 2023
Products

Credit Builder

Yazmin Mejia - Member Since 2023

Building a Better Future

Whether you’re just starting out or looking to improve your credit score, Altura Credit Union has the tools and resources you need.

Our Credit-Building Solutions:

  • Credit Builder Loan: A simple and effective way to establish or improve your credit history.
  • Summit Secured Card: A secure option to build credit responsibly.

Take Control of Your Financial Future

Start your journey to financial freedom today. Apply for a Credit Builder Loan or Summit Secured Card.

Apply Now

Establish, Improve, Rebuild

Rebuild Your Credit with Confidence

Altura Credit Union’s Credit Builder Loan is a unique financial tool designed to help you establish or improve your credit score.

How It Works:

  1. Secure Your Loan: You’ll secure your loan with a share certificate account.
  2. Make Monthly Payments: Make regular, on-time payments to build your credit history.
  3. Earn Dividends: Your savings in the share certificate account will earn dividends over time.
  4. Access Your Funds: Once the loan is fully paid off, you’ll have access to your savings without penalty.

Key Benefits:

  • No Credit Check: No impact on your credit score to qualify.
  • Flexible Terms: Choose from loan amounts of $1,000, $2,000, or $3,000 with terms of 12, 24, or 36 months.
  • Guaranteed Savings: Your savings are secure and grow over time.
  • Improved Credit Score: Consistent payments can help boost your creditworthiness.

Start Your Credit Journey Today

Apply for a Credit Builder Loan and take control of your financial future.

Rates Effective Date: December 21, 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

Rebuild Your Credit with the Summit Secured Card

A Smart Step Toward Financial Freedom

The Summit Secured Card from Altura Credit Union is designed to help you establish or rebuild your credit history.

How it Works:

  1. Secure Your Card: You’ll secure your credit line with a deposit in a share savings account.
  2. Responsible Spending: Use your card wisely to make purchases.
  3. Build Your Credit: Consistent, on-time payments will help improve your credit score.
  4. Access Your Funds: Your deposit remains accessible and earns interest.

Key Benefits:

  • No Credit Check: No impact on your credit score to qualify.
  • Flexible Limits: Choose a credit limit from $200 to $3,000.
  • Earn Interest on Your Deposit: Your funds continue to grow.
  • Seasonal Payment Flexibility: Skip payments, with good payment history, during the summer (August/September) and winter months (January).
  • Balance Transfer Option: Consolidate high-interest debt (fee may apply).

Start Your Credit Journey Today

Apply for the Summit Secured Card and take control of your financial future.

Rates Effective Date: December 21, 2024
TypeVariable/APR^
Summit Secured CardAs Low as 16.49%

^ Variable Rate indexed to the Prime Rate. APR = Annual Percentage Rate.

Click here to review the Credit Card Disclosures

Rebuild Your Credit and Unlock Financial Opportunities

A low credit score can significantly impact your financial life. From securing loans to finding employment, a good credit score is essential.

Why a Good Credit Score Matters:

  • Lower Interest Rates: Save money on loans and credit cards.
  • Easier Approvals: Increase your chances of getting approved for loans and credit.
  • Better Financial Opportunities: Access a wider range of financial products and services.

At Altura Credit Union, we understand the challenges of rebuilding credit. We’re committed to helping you achieve your financial goals.

How We Can Help:

  • Credit Builder Loans: A simple and effective way to establish or improve your credit history.
  • Secured Credit Cards: A secure option to build credit responsibly.

Take Control of Your Financial Future

Start your journey to a better credit score today. Contact Altura Credit Union to learn more about our credit-building solutions.

Rebuild Your Credit with Confidence

Altura Credit Union’s Credit Builder Loan is a unique financial tool designed to help you establish or improve your credit score.

How It Works:

  1. Secure Your Loan: You’ll secure your loan with a share certificate account.
  2. Make Monthly Payments: Make regular, on-time payments to build your credit history.
  3. Earn Dividends: Your savings in the share certificate account will earn dividends over time.
  4. Access Your Funds: Once the loan is fully paid off, you’ll have access to your savings without penalty.

Key Benefits:

  • No Credit Check: No impact on your credit score to qualify.
  • Flexible Terms: Choose from loan amounts of $1,000, $2,000, or $3,000 with terms of 12, 24, or 36 months.
  • Guaranteed Savings: Your savings are secure and grow over time.
  • Improved Credit Score: Consistent payments can help boost your creditworthiness.

Start Your Credit Journey Today

Apply for a Credit Builder Loan and take control of your financial future.

Rates Effective Date: December 21, 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

Rebuild Your Credit with the Summit Secured Card

A Smart Step Toward Financial Freedom

The Summit Secured Card from Altura Credit Union is designed to help you establish or rebuild your credit history.

How it Works:

  1. Secure Your Card: You’ll secure your credit line with a deposit in a share savings account.
  2. Responsible Spending: Use your card wisely to make purchases.
  3. Build Your Credit: Consistent, on-time payments will help improve your credit score.
  4. Access Your Funds: Your deposit remains accessible and earns interest.

Key Benefits:

  • No Credit Check: No impact on your credit score to qualify.
  • Flexible Limits: Choose a credit limit from $200 to $3,000.
  • Earn Interest on Your Deposit: Your funds continue to grow.
  • Seasonal Payment Flexibility: Skip payments, with good payment history, during the summer (August/September) and winter months (January).
  • Balance Transfer Option: Consolidate high-interest debt (fee may apply).

Start Your Credit Journey Today

Apply for the Summit Secured Card and take control of your financial future.

Rates Effective Date: December 21, 2024
TypeVariable/APR^
Summit Secured CardAs Low as 16.49%

^ Variable Rate indexed to the Prime Rate. APR = Annual Percentage Rate.

Click here to review the Credit Card Disclosures

Rebuild Your Credit and Unlock Financial Opportunities

A low credit score can significantly impact your financial life. From securing loans to finding employment, a good credit score is essential.

Why a Good Credit Score Matters:

  • Lower Interest Rates: Save money on loans and credit cards.
  • Easier Approvals: Increase your chances of getting approved for loans and credit.
  • Better Financial Opportunities: Access a wider range of financial products and services.

At Altura Credit Union, we understand the challenges of rebuilding credit. We’re committed to helping you achieve your financial goals.

How We Can Help:

  • Credit Builder Loans: A simple and effective way to establish or improve your credit history.
  • Secured Credit Cards: A secure option to build credit responsibly.

Take Control of Your Financial Future

Start your journey to a better credit score today. Contact Altura Credit Union to learn more about our credit-building solutions.

YAZMIN MEJIA | MEMBER SINCE 2023

"So now that I've raised my credit with the Credit Builder Loan, I am planning to purchase my dream home. Thank you Altura for helping me build my credit."

WATCH HER STORY

YAZMIN MEJIA'S STORY

GABRIELA HANSON | MEMBER SINCE 2002

"Thank you Altura, for making me feel like I'm family and not just a number. You guys have always been there for me, from 20 years ago up until now."

WATCH HER STORY

GABRIELA HANSON'S STORY

TERI BARBEAU | MEMBER SINCE 1994

"Altura has been really good to me throughout the years. Whenever I walk into a branch in my area, there's always someone to say, "Hello," as soon as I come...

WATCH HER STORY

TERI BARBEAU'S STORY

FAQs

Am I Too Young to Start Building Credit?

If you’re 18 or over, you’re at the perfect age to start building credit. Altura’s youth accounts make establishing and building credit easy. As long as you are using your credit card responsibly, you’re actually setting yourself up for future success.

How Much will a Foreclosure Affect My Credit Score?

A foreclosure has a significant negative impact on your credit. The higher your credit score was before the foreclosure, the more points you can expect it to drop. For example, if you had a credit score of 680 before the foreclosure, you should expect your credit score to drop below 600 after foreclosure. But if you had a higher credit score of 780 before the foreclosure, your credit score will end up dropping to the low 600s.

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.

Apply at a Local Branch

RIVERSIDE, CA

14th Street Branch

3451 14th Street Riverside CA 92501

WILDOMAR, CA

Bear Creek Branch

36068 Hidden Springs Road Unit 9 Wildomar CA 92595

Moreno Valley, CA

Cactus Branch

23540 Cactus Avenue Moreno Valley CA 92553

RIVERSIDE, CA

Canyon Springs Branch

2692 Canyon Springs Parkway Ste C Riverside CA 92507

COACHELLA, CA

Coachella Branch

50057 Cesar Chavez, Suite A, Coachella, CA 92236

Corona, CA

Corona Lincoln Branch

650 S. Lincoln Ste 101 Corona CA 92882

Corona, CA

Corona Plaza Branch

2331 Compton Avenue Corona CA 92881

EASTVALE, CA

Eastvale Branch

5010 Hamner Ave, Unit 120, Eastvale, CA 91752

Indio, CA

Indio Branch

81096 Hwy 111 Indio CA 92201

RIVERSIDE, CA

Magnolia Branch

10725 Magnolia Avenue Riverside CA 92505

Murrieta, CA

Murrieta Branch

40412 Murrieta Hot Springs Road Murrieta CA 92563

PERRIS, CA

Perris Branch

2570 N Perris Blvd, Suite 101, Perris, CA 92571

Rancho Mirage, CA

Rancho Mirage Branch

72877 Dinah Shore Dr Suite 100, Rancho Mirage, CA 92270

RIVERSIDE, CA

Riverside Avenue Branch

6403 Riverside Avenue Riverside CA 92506

SAN JACINTO, CA

San Jacinto Branch

1821 S. San Jacinto Avenue, Suite G, San Jacinto, CA 92583

FRENCH VALLEY, CA

Silver Hawk Branch

38995 Sky Canyon Drive Murrieta, CA 92563

Moreno Valley, CA

Stoneridge Branch

27130 Eucalyptus Avenue, Ste E Moreno Valley CA 92555

MENIFEE, CA

Sun City Branch

27220 Sun City Blvd. Sun City, CA 92586

Banning, CA

Sun Lakes Branch

300 S. Highland Springs Avenue Banning CA 92220

PALM SPRINGS, CA

Sunrise Branch

1751 N. Sunrise Way, Suite #1, Palm Springs, CA 92262

RIVERSIDE, CA

University Avenue Branch

1616 University Avenue Riverside CA 92507

Hemet, CA

West Hemet Branch

320 S. Sanderson Avenue Hemet CA 92545

WOODCREST, CA

Woodcrest Branch

17094 Van Buren Blvd, Riverside, CA 92504

Disclaimers

APR=Annual Percentage Rate. Rates are subject to change without notice.

All loans are subject to credit approval. Membership eligibility required. No loan processing fee is required. The rate will be based on cri...

READ MORE +

APR=Annual Percentage Rate. Rates are subject to change without notice.

All loans are subject to credit approval. Membership eligibility required. No loan processing fee is required. The rate will be based on criteria such as credit score, credit history and payment method. All rates are subject to change without notice. Other restrictions may apply. For fees and complete account details, view the Schedule of Fees and Credit Builder Share Certificate Disclosure.

A one-time membership fee applies for non-members.

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Financial Well-Being

Learn How to Manage Your Money

Financial Well-Being

Learn How to Build Your Credit

Calculators

Our Suite of Calculators Help Determine Monthly Payments

Altura in the Community

See How We Support Our Local Community

Ready to Start Building Your Credit?

Apply Now