2. Altura Credit Union

Altura Credit Union


Overview / Commentary
www.alturacu.com
888-883-7228
2847 Campus Pkwy
Riverside, CA 92507

Altura Credit Union is headquartered in Riverside and is the 35th largest credit union in the state of California. It is also the 211th largest credit union in the nation. It was established in 1957 and as of December of 2018, it had grown to 334 employees and 128,225 members at 14 locations. Altura Credit Union's CD rates are 61% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Altura Credit Union is open to those who live, work, attend school or worship in Riverside or Orange Counties in California or the cities of Anaheim, Irvine, Santa Ana, Rancho Cucamonga, Ontario or Fontana, California.
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Reviews (3)

30 Year Member

Posted by: spersall | Sep 28, 2016

I became a member when this institution was the Riverside County Employees Federal Credit Union. The name has changed, we've merged with a few other credit union, but I continue to get good service. When there have been problems, and I can count them on one hand in30 years, a phone call or a quick trip to a branch is all it's taken to clear it up. Checking accounts are free with direct deposit. The ATM access is fairly good, stand alone network ATMs in grocery stores, 7 11, etc. Web access is good. I do wish they had a mobile app for Windows, but they've done fairly good with Android and iPhone. All in all I'm not changing banks anytime soon.

2

10 year customer honest opinion

Posted by: CaptainM | Oct 15, 2015

I joined Altura around 2006 because CU's (in general) are great to belong to since they are not for profit. I enjoined the small town feel of the branch I went to and being recognized by the few employees working at the branch less about a mile from my house. I even opened up savings accounts for both of my daughters at the same branch. It was convenient and had 2 ATM's with no lines....ever. I was disappointed when my wife's bank started doing mobile deposits and Altura did not.

After a few years of banking with Altura CU, they closed the branch close to me (one of 3 in the valley where I live). They then closed another branch, leaving only one branch on the far end of the valley from me. To serve a valley with a population of around 100k residents, this final branch had only one ATM. Even after adding a second ATM, there are often long lines. They started offering mobile deposits recently but it was "too little, too late". I recently switched to another national bank and am very happy there.

Overall, Altura is not a bad place to bank and the customer service (employees) is great. But overall, compared to many banking institutions I have done business with over the past 25 years, it is just average.

1

Closing Of Branches And Poor Website For On-Line Banking

Posted by: Anonymous | Jan 19, 2012

Closing the Temecula and Murrieta branches has left customers isolated and dependent upon the old branch ATMs and the on-line banking system. Now, the Temecula bank ATM has been boarded up, and the on-line banking since January 11 does not allow Verizon customers to log-in to do business with the bank. The bank says that it is Verizon's fault - speed of the internet service - but Verizon technicians find that the speeds are no different than they were a week ago. In today's market, this is poor business process for customers. Hopefully, Altura will do a better investigation of the program and will provide solutions and communication with customers with the options and results.

AA Temecula, CA

1


Health
A+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #62799
Year Chartered1957
Employees334
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD9.49%
Annual Interest Income$48.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.42B$1.28B
LoansQ4 2018vs Q4 2017$1.02B$889.0MM
DepositsQ4 2018vs Q4 2017$1.19B$1.12B
Equity CapitalQ4 2018vs Q4 2017$152.3MM$138.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$11.9MM$11.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$3.2MM$4.4MM
Real Estate OwnedQ4 2018vs Q4 2017$1.1MM$666.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Altura Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$25-Primary Savings
0.10%--Side Share
0.10%--Holiday Savings
0.10%$1k-Business Saving

Altura Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$50k*-Prestige Money Market
OTHER TIERS: 0.50% → Up to $10k | 0.80% → $10k - $50k
0.20%*$50k*-Smart Money Market
OTHER TIERS: 0.10% → Up to $10k | 0.15% → $10k - $50k
0.20%*$2.5k*-Business Prestige Money Market
OTHER TIERS: 0.15% → Up to $2.5k
0.10%--Business Smart Money Market

Altura Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Honors Checking
0.05%$100-Basic Business Checking
0.05%$100-Club Business Checking

Altura Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$1k-50 Month Share Certificate - New Money
2.65%*$100k*-60 Month Share Certificate
OTHER TIERS: 2.55% → $1k - $100k
2.55%*$100k*-Business 60 Month Share Certificate
OTHER TIERS: 2.50% → $1k - $25k | 2.52% → $25k - $50k | 2.53% → $50k - $100k
2.10%*$100k*-48 Month Share Certificate
OTHER TIERS: 2.00% → $1k - $100k
2.00%*$100k*-Business 48 Month Share Certificate
OTHER TIERS: 1.95% → $1k - $25k | 1.97% → $25k - $50k | 1.98% → $50k - $100k
1.90%*$100k*-36 Month Share Certificate
OTHER TIERS: 1.80% → $1k - $100k
1.80%*$100k*-Business 36 Month Share Certificate
OTHER TIERS: 1.75% → $1k - $25k | 1.77% → $25k - $50k | 1.78% → $50k - $100k
1.70%*$100k*-24 Month Share Certificate
OTHER TIERS: 1.60% → $1k - $100k
1.60%*$100k*-Business 24 Month Share Certificate
OTHER TIERS: 1.55% → $1k - $25k | 1.57% → $25k - $50k | 1.58% → $50k - $100k
1.45%*$100k*-12 Month Share Certificate
OTHER TIERS: 1.35% → $1k - $100k
1.35%*$100k*-Business 12 Month Share Certificate
OTHER TIERS: 1.30% → $1k - $25k | 1.32% → $25k - $50k | 1.33% → $50k - $100k
1.20%*$100k*-6 Month Share Certificate
OTHER TIERS: 1.10% → $1k - $100k
1.20%*$100k*-50/50 Share Certificate
OTHER TIERS: 1.10% → $1k - $100k
1.10%*$100k*-Business 6 Month Share Certificate
OTHER TIERS: 1.05% → $1k - $25k | 1.07% → $25k - $50k | 1.08% → $50k - $100k
0.85%*$100k*-3 Month Share Certificate
OTHER TIERS: 0.75% → $1k - $100k
0.75%*$100k*-Business 3 Month Share Certificate
OTHER TIERS: 0.70% → $1k - $25k | 0.72% → $25k - $50k | 0.73% → $50k - $100k

Altura Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$1k-50 Month IRA - New Money
2.65%*$100k*-60 Month IRA
OTHER TIERS: 2.55% → $1k - $100k
2.10%*$100k*-48 Month IRA
OTHER TIERS: 2.00% → $1k - $100k
1.90%*$100k*-36 Month IRA
OTHER TIERS: 1.80% → $1k - $100k
1.70%*$100k*-24 Month IRA
OTHER TIERS: 1.60% → $1k - $100k
1.45%*$100k*-12 Month IRA
OTHER TIERS: 1.35% → $1k - $100k
1.20%*$100k*-6 Month IRA
OTHER TIERS: 1.10% → $1k - $100k
1.20%*$100k*-50/50 IRA
OTHER TIERS: 1.10% → $1k - $100k
0.85%*$100k*-3 Month IRA
OTHER TIERS: 0.75% → $1k - $100k
Locations

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