What are the current interest rates at Altura Credit Union?

Current rates for Altura Credit Union include: 12-Month CD: 0.65%, 24-Month CD: 0.80%, 60-Month CD: 1.25%, Savings: 0.10%, MMA: 0.10%

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Altura Credit Union

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Altura Credit Union Rates & Review September 2026

Q: How many branches does Altura Credit Union operate?

Altura Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Altura Credit Union?

Yes, to access services at Altura Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Altura Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Altura Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Altura Credit Union's 60 Month Business CD Accounts rates are at 1.35%, 60 Month Term CDs rates are at 1.35%, Term CDs (3 to 60 month) rates are at 1.35%, 60 Month Business CD Accounts rates are at 1.25%, 60 Month Term CDs rates are at 1.25%. Altura Credit Union's savings rates are at 0.10%. Altura Credit Union's money market rates are at 0.10%. Altura Credit Union's 15 Year - FHA Fixed rates are at 6.12%, 15 Year - Jumbo Fixed rates are at 6.24%, 30 Year - Jumbo Fixed rates are at 7.00%, 30 Year - FHA Fixed rates are at 7.12%. Altura Credit Union's Personal Loan Rates are as low as 9.99%. Altura Credit Union's Credit Card Rates are at 12.74%. MonitorBankRates evaluates the financial stability of Altura Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.72%. Rates last updated and verified on 09/22/2026.

Altura Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Altura Credit Union? Share your experience about Altura Credit Union by leaving a review below, or read customer reviews before you decide to use Altura Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.72%

Excellent Lower than avg

Health Trend

Very strong 6 quarters

Full history ›

Altura Credit Union
Altura Credit Union - Operation & Technology Center

2847 Campus Pkwy
Riverside, CA 92507-0906

https://www.alturacu.com

Altura Credit Union CD Rates

Product	Rate	APY	Term
60 Month Business Certificate Accounts	1.34%	1.35%	60 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
60 Month Term Share Certificates	1.34%	1.35%	60 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Term Certificates (3 to 60 month)	1.34%	1.35%	60 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
60 Month Business Certificate Accounts	1.24%	1.25%	60 Months
Min Balance $1,000 Details Balance: $1,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
60 Month Term Share Certificates	1.24%	1.25%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Term Certificates (3 to 60 month)	1.24%	1.25%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
48 Month Business Certificate Accounts	1.14%	1.15%	48 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
48 Month Term Share Certificates	1.14%	1.15%	48 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
48 month Term Certificates (3 to 60 month)	1.14%	1.15%	48 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
48 Month Business Certificate Accounts	1.04%	1.05%	48 Months
Min Balance $1,000 Details Balance: $1,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
48 Month Term Share Certificates	1.04%	1.05%	48 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
48 month Term Certificates (3 to 60 month)	1.04%	1.05%	48 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
36 Month Business Certificate Accounts	0.95%	0.95%	36 months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
36 Month Term Share Certificates	0.95%	0.95%	36 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
36 month Term Certificates (3 to 60 month)	0.95%	0.95%	36 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
24 Month Business Certificate Accounts	0.90%	0.90%	24 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
24 Month Term Share Certificates	0.90%	0.90%	24 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
24 month Term Certificates (3 to 60 month)	0.90%	0.90%	24 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
36 Month Business Certificate Accounts	0.85%	0.85%	36 months
Min Balance $1,000 Details Balance: $1,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
36 Month Term Share Certificates	0.85%	0.85%	36 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
36 month Term Certificates (3 to 60 month)	0.85%	0.85%	36 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
24 Month Business Certificate Accounts	0.80%	0.80%	24 Months
Min Balance $1,000 Details Balance: $1,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
24 Month Term Share Certificates	0.80%	0.80%	24 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
50/50 Certificates (Ages 0-24)	0.80%	0.80%
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
50/50 Share Certificates	0.80%	0.80%
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
24 month Term Certificates (3 to 60 month)	0.80%	0.80%	24 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 Month Business Certificate Accounts	0.75%	0.75%	12 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 Month Term Share Certificates	0.75%	0.75%	12 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 month Term Certificates (3 to 60 month)	0.75%	0.75%	12 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
50/50 Certificates (Ages 0-24)	0.70%	0.70%
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
50/50 Share Certificates	0.70%	0.70%
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 Month Business Certificate Accounts	0.65%	0.65%	12 Months
Min Balance $1,000 Details Balance: $1,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 Month Term Share Certificates	0.65%	0.65%	12 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
6 Month Business Certificate Accounts	0.65%	0.65%	6 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
6 Month Term Share Certificates	0.65%	0.65%	6 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
6 month Term Certificates (3 to 60 month)	0.65%	0.65%	6 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 month Term Certificates (3 to 60 month)	0.65%	0.65%	12 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
3 Month Business Certificate Accounts	0.60%	0.60%	3 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
3 Month Term Share Certificates	0.60%	0.60%	3 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
3 month Term Certificates (3 to 60 month)	0.60%	0.60%	3 Months
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
6 Month Business Certificate Accounts	0.55%	0.55%	6 Months
Min Balance $1,000 Details Balance: $1,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
6 Month Term Share Certificates	0.55%	0.55%	6 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
6 month Term Certificates (3 to 60 month)	0.55%	0.55%	6 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
3 Month Business Certificate Accounts	0.50%	0.50%	3 Months
Min Balance $1,000 Details Balance: $1,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
3 Month Term Share Certificates	0.50%	0.50%	3 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
3 month Term Certificates (3 to 60 month)	0.50%	0.50%	3 Months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union Savings Rates

Product	Rate	APY
Business Savings	0.10%	0.10%
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Holiday Savings	0.10%	0.10%
Min Deposit $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Regular Share Savings	0.10%	0.10%
Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union Money Market Rates

Product	Rate	APY
Prestige Money Market	1.44%	1.45%
Min Balance $50,000 Details Balance: $50,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Prestige Money Market	1.14%	1.15%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Prestige Money Market	1.04%	1.05%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Business Prestige Money Market	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Business Prestige Money Market	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Smart Money Market	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000.00+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Business Prestige Money Market	0.15%	0.15%
Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Smart Money Market	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Smart Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union Checking Rates

Product	Rate	APY
Ascend Checking	0.20%	0.20%
Min Balance $25 Details Average daily balance of $50,000.00 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Ascend Checking	0.05%	0.05%
Min Balance $25 Details Average daily balance of $10,000.00 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Basic Business Checking	0.05%	0.05%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Club Business Checking	0.05%	0.05%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year - FHA Fixed	6.13%	-	6.42%	15 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
15 Year - Jumbo Fixed	6.24%	-	6.53%	15 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
30 Year - Jumbo Fixed	7.00%	-	7.29%	30 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
30 Year - FHA Fixed	7.13%	-	7.42%	30 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit Owner Occupied	8.25%	-	8.28%
Details Variable Rate: 8.250%; Index: 7.000%; Margin: 1.250% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Home Equity Closed-End Loans Owner Occupied	9.13%	-	9.16%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto Loans (2025-2026 Model Years)	-	-	4.59%
Details Rate applies to 2025-2026 Model Years. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Used Auto Loans (2024 & Older Model Years)	-	-	4.99%
Details Rate applies to 2024 & Older Model Years. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Motorhome/RV Loans	-	7.75%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle Loans	-	8.25%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Used Motorhome/RV Loans	-	8.25%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Boat Loans	-	8.99%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Used Motorcycle Loans	-	9.25%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Used Boat Loans	-	9.49%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	12.74%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.99%	24 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Signature Loan	10.49%	36 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Signature Loan	11.49%	48 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Signature Loan	12.49%	60 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Altura Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15 Year - Conforming Fixed	6.38%	-	6.57%	15 Year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
20 Year - Conforming Fixed	6.99%	-	7.18%	20 Year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
30 Year - Conforming Fixed	6.99%	-	7.18%	30 Year
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Toys & Misc. Loan	-	-	8.99%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Used Toys & Misc. Loan	-	-	10.25%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Business IRA Accumulator	0.25%	-	0.25%
Min Balance $50 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Business IRA Roth Accumulator	0.25%	-	0.25%
Min Balance $50 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Side Share	0.10%	-	0.10%
Min Deposit $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Wealth Builder	0.60%	-	0.60%
Min Balance $10,000 Details ^^ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Altura Credit Union’s Texas Ratio stayed near 2.94% in Q4 2024 to 2.72% in Q1 2026, so its financial health has stayed very strong over the past 6 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.7B	2.72%	5.0	A+
December 31, 2025	$2.6B	3.39%	5.0	A+
September 30, 2025	$2.5B	2.85%	5.0	A+
June 30, 2025	$2.6B	2.98%	5.0	A+
March 31, 2025	$2.6B	2.14%	5.0	A+
December 31, 2024	$2.6B	2.94%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Altura Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Altura Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Altura Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Altura Credit Union

Website https://www.alturacu.com

Address 2847 Campus Pkwy, Riverside, CA 92507-0906

Phone 877-258-8721

Fax

President Jerry Rivera

CEO Jennifer Binkley

Full-Time Employees 418

Part-Time Employees 70

Branch Locations 23

ATM Locations 23

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.72%

Return on Assets (ROA)

0.1294%

Return on Equity (ROE)

1.1906%

Non-Performing Loans Ratio (NPL)

0.50%

Total Assets

2,665,893,053

Total Amount of Shares and Deposits

2,386,844,398

Total Shares and Deposits < 1 Year

2,379,874,851

Total Shares and Deposits 1 3 Years

4,851,723

Total Shares and Deposits > 3 Years

2,117,824

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

203,046,486

Total Uninsured Shares and Deposits > $250K (F+J)

203,046,486

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,183,797,912

Total Interest Expense (Sum of items 6 8)

5,159,819

Share Certificates

14,154

Number of Accounts for Share Drafts

192,417

IRA KEOGH Accounts

2,105

Number of Accounts for Regular Shares

179,244

Non Member Deposits

Money Market Shares

10,721

Net Income (unless the amount is already included in Undivided Earnings)

3,449,694

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

57,254,419

Total Liabilities

2,428,249,695

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Altura Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

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Frequently Asked Questions About Altura Credit Union

How many branches does Altura Credit Union operate?

Altura Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Altura Credit Union?

Yes, to access services at Altura Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Altura Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Altura Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Altura Credit Union offer online and mobile banking?

Most modern institutions like Altura Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.alturacu.com.

Current Altura Credit Union Rates

12-Month CD0.65%
24-Month CD0.80%
60-Month CD1.25%
Savings0.10%
MMA0.10%

Retrieved from our database of financial products. Rates subject to change.

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Altura Credit Union Rates & Review September 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

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Financials

Altura Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Altura Credit Union

How many branches does Altura Credit Union operate?

Is a member application needed to join Altura Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Altura Credit Union offer online and mobile banking?

Current Altura Credit Union Rates

Compare to Other Credit Unions