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.
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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.
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Learn MoreCredit Unions are financial cooperatives because they are owned by their members. Each member has an ownership share in the credit union.
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A share certificate is a safe way to earn dividends by investing in cash for a set period of time.
Share certificates are similar to certificates of deposit (CDs) except they are exclusively offered by credit unions. They are low-risk, and you don’t need much money to start investing. Altura offers two main types.
Altura allows you to invest in a certificate for terms between 3 months and 5 years. You only need $1,000 to get started! The longer you keep your money in the account, the greater the dividends you will earn. Note that you will not be able to withdraw your money early without penalty.
| Balance | - | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000.00 – $99,999.99 | Rate/APY^ | 0.50% / 0.50% | 0.55% / 0.55% | 0.65% / 0.65% | 0.80% / 0.80% | 0.85% / 0.85% | 1.04% / 1.05% | 1.24% / 1.25% |
| $100,000.00+ | Rate/APY | 0.60% / 0.60% | 0.65% / 0.65% | 0.75% / 0.75% | 0.90% / 0.90% | 0.95% / 0.95% | 1.14% / 1.15% | 1.34% / 1.35% |
^ APY = Annual Percentage Yield
Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).
Rates are subject to c...
^ APY = Annual Percentage Yield
Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).
Rates are subject to change without notice. All dividends are calculated daily & paid monthly.
Fees may reduce earnings.
A 50/50 certificate is designed for credit union members who are 24-years-old or younger. Investors only need $50 to get started. The terms are 50 weeks, just short of a year. This is the perfect way for younger people to start investing!
| Balance | - | 50/50^^ |
|---|---|---|
| $1,000.00 – $99,999.99 | Rate/APY^ | 0.70% / 0.70% |
| $100,000.00+ | Rate/APY | 0.80% / 0.80% |
^ APY = Annual Percentage Yield.
^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be ...
^ APY = Annual Percentage Yield.
^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be 24 years of age or younger. Minimum $5.00 deposits allowed throughout certificate term.
Altura allows you to invest in a certificate for terms between 3 months and 5 years. You only need $1,000 to get started! The longer you keep your money in the account, the greater the dividends you will earn. Note that you will not be able to withdraw your money early without penalty.
| Balance | - | 3 Months | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|
| $1,000.00 – $99,999.99 | Rate/APY^ | 0.50% / 0.50% | 0.55% / 0.55% | 0.65% / 0.65% | 0.80% / 0.80% | 0.85% / 0.85% | 1.04% / 1.05% | 1.24% / 1.25% |
| $100,000.00+ | Rate/APY | 0.60% / 0.60% | 0.65% / 0.65% | 0.75% / 0.75% | 0.90% / 0.90% | 0.95% / 0.95% | 1.14% / 1.15% | 1.34% / 1.35% |
^ APY = Annual Percentage Yield
Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).
Rates are subject to c...
^ APY = Annual Percentage Yield
Altura Credit Union share accounts are federally insured for up to $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF).
Rates are subject to change without notice. All dividends are calculated daily & paid monthly.
Fees may reduce earnings.
A 50/50 certificate is designed for credit union members who are 24-years-old or younger. Investors only need $50 to get started. The terms are 50 weeks, just short of a year. This is the perfect way for younger people to start investing!
| Balance | - | 50/50^^ |
|---|---|---|
| $1,000.00 – $99,999.99 | Rate/APY^ | 0.70% / 0.70% |
| $100,000.00+ | Rate/APY | 0.80% / 0.80% |
^ APY = Annual Percentage Yield.
^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be ...
^ APY = Annual Percentage Yield.
^^ 50 week term certificate & opening deposit of $50.00. A minimum balance of $50.00 is required to earn dividends at 0.60% APY. Share certificate holders must be 24 years of age or younger. Minimum $5.00 deposits allowed throughout certificate term.
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WATCH STORYThey are actually the same kind of investment. The difference is that a bank can issue CDs, while only a credit union can offer share certificates. Because of this, these investments are also insured by different organizations. While certificates of deposit are insured by the Federal Deposit Insurance Corporation (FDIC), share certificates are insured by the National Credit Union Share Insurance Fund (NCUSIF).
Share certificates, just like any kind of investment, do carry some risk to the investor. However, they are very safe and, thus, they are usually considered one of the best investments you can make. They are insured by the National Credit Union Share Insurance Fund for up to $250,000.
Once your money is in a share certificate, you are committing not to use it for the length of your term. Thus, if you decide you want to withdraw your investment early, you will be penalized. The price of your penalty will depend on the length of the term.
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Early withdrawal penalties may apply. Fees may reduce earnings. See the Schedule of Fees for details. A one-time membership fee applies for non-members.