Credit union · NCUA insured
Altura Credit Union Savings Rates
Altura Credit Union’s best savings rate is 0.15% APY on $10,000, with its Smart Money Market. Rates checked October 16, 2026.
How Altura Credit Union’s savings rates compare
Compared with banks and credit unions near Riverside, CA, where Altura Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Altura Credit Union
1.15%APY
- Requires
- Monthly account activity
- Minimum
- $2,500
- Earns on $10,000 a year
- $115
Prestige Money Market
Top rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Altura Credit Union savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.20%
- QualifiedQualified1.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Altura Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Prestige Money Market
1.15%APY
Members must be either the primary or joint account holder on a Prestige Money Market account. An Altura checking account is required. Maintain a minimum daily balance of $2,500 to avoid a monthly fee ($10 fee if balance falls below $2,500). Requires a minimum of 10 debit card transactions per month on checking account to earn Prestige Money Market rates; otherwise balances earn Smart Money Market rates. Ability to write up to 3 checks per month. A one-time membership fee applies for non-members.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Requires 10 or more debit card transactions per month on Altura checking account. Maintain a minimum daily balance of $2,500 to avoid $10 monthly fee. Minimum opening deposit $2,500. | 1.05% | — | Requires 10 or more debit card transactions per month on Altura checking account. Maintain a minimum daily balance of $2,500 to avoid $10 monthly fee. Minimum opening deposit $2,500. |
| $10,000 – $50,000Requires 10 or more debit card transactions per month on Altura checking account. Maintain a minimum daily balance of $2,500 to avoid $10 monthly fee. Minimum opening deposit $2,500. | 1.15% | $115 | Requires 10 or more debit card transactions per month on Altura checking account. Maintain a minimum daily balance of $2,500 to avoid $10 monthly fee. Minimum opening deposit $2,500. |
| $50,000 and upRequires 10 or more debit card transactions per month on Altura checking account. Maintain a minimum daily balance of $2,500 to avoid $10 monthly fee. Minimum opening deposit $2,500. | 1.45% | — | Requires 10 or more debit card transactions per month on Altura checking account. Maintain a minimum daily balance of $2,500 to avoid $10 monthly fee. Minimum opening deposit $2,500. |
Wealth Builder
0.60%APY
To earn the stated rate, the WealthBuilder account has to have a minimum of ten (10) debit card transactions per month and a minimum daily balance of $10,000. For any month in which the transaction activity threshold is not met, the rate for that month will default to 0.20% on balances for the previous month. For any month in which the minimum balance requirement is not met, the rate for that month will default to 0.00% on balances for the previous month. Dividends are calculated daily and paid monthly. Fees may reduce earnings. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CFS).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upTo earn the stated rate, the WealthBuilder account has to have a minimum of ten (10) debit card transactions per month and a minimum daily balance of $10,000. For any month in which the transaction activity threshold is not met, the rate for that month will default to 0.20% on balances for the previous month. For any month in which the minimum balance requirement is not met, the rate for that month will default to 0.00% on balances for the previous month. Dividends are calculated daily and paid monthly. Fees may reduce earnings.$10,000 and up | 0.60% | $60 | To earn the stated rate, the WealthBuilder account has to have a minimum of ten (10) debit card transactions per month and a minimum daily balance of $10,000. For any month in which the transaction activity threshold is not met, the rate for that month will default to 0.20% on balances for the previous month. For any month in which the minimum balance requirement is not met, the rate for that month will default to 0.00% on balances for the previous month. Dividends are calculated daily and paid monthly. Fees may reduce earnings. |
Sources (2)
All captured Oct 16, 2026
Smart Money Market
0.15%APY
Dividends earned on total balance with tiered rates (higher balances earn higher dividend rates). Minimum opening deposit is $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends earned on total balance. | 0.10% | — | Dividends earned on total balance. |
| $10,000 – $50,000Dividends earned on total balance. | 0.15% | $15 | Dividends earned on total balance. |
| $50,000 and upDividends earned on total balance. | 0.20% | — | Dividends earned on total balance. |
Sources (1)
- alturacu.com/products/savings/money-markets · captured Oct 16, 2026
Regular Share Savings
0.10%APY
Free for members ages 23 and younger. A one-time membership fee applies for non-members ($5 par value share ownership deposit plus $5 membership fee).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. Dividends calculated daily and paid monthly.Any balance | 0.10% | $10 | No minimum balance required to earn dividends. Dividends calculated daily and paid monthly. |
Side Share
0.10%APY
Can be opened with any amount.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. Dividends calculated daily and paid monthly.Any balance | 0.10% | $10 | No minimum balance required to earn dividends. Dividends calculated daily and paid monthly. |
Sources (3)
- alturacu.com/products/rates
- alturacu.com/products/savings
- alturacu.com/products/savings/personal-accounts
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings
0.25%APY
Includes IRA Accumulator and IRA Roth Accumulator accounts. An annual maintenance fee applies ($15). Dividends calculated daily and paid monthly. Fees may reduce earnings. Penalties for early withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to IRA Accumulator and IRA Roth Accumulator accounts. Dividends calculated daily and paid monthly. Fees may reduce earnings. Penalties for early withdrawals.Any balance | 0.25% | $25 | Applies to IRA Accumulator and IRA Roth Accumulator accounts. Dividends calculated daily and paid monthly. Fees may reduce earnings. Penalties for early withdrawals. |
Sources (2)
All captured Oct 16, 2026
Holiday Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- alturacu.com/products/rates · captured Oct 16, 2026
Who can join Altura Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, attends school, or any businesses and other non-individual entities located in Riverside County is eligible for membership.
Family and household
- Immediate family members of existing Altura Credit Union members are eligible to apply for membership.
Membership information collected October 5, 2026.