Here’s a guide to switching to Altura Credit Union membership and all the benefits that come with it.
### How to Join Altura Credit Union
#### 1. **Check Eligibility**
– **Eligibility:** Generally, there will be some eligibility criteria for becoming a member of the Altura Credit Union. However, residency in a particular county, or belonging to an associated organization, might make you eligible.
– **How to Verify:** Visit or contact the Altura Credit Union webpage for further clarification about your eligibility.
#### 2. **Application Requirements**
– **ID:** Any government-issued photo ID (driver’s license, passport).
– **Proof of Address:** The applicant can submit a utility bill or lease agreement or any other account or official document.
– **Social Security Number:** The applicant’s Social Security Number or Tax Identification Number.
#### 3. **Fill Out the Application**
– **Apply Online**: Go to the Altura Credit Union homepage and click the link provided to reach the online membership application.
– **In-Person Application:** Visit a local branch and fill out the application form for membership. You will have to leave proof of document presentation with the representative.
– **Mail Application:** If it’s possible to download the application form online, fill it out and send it together with your documents to the nearest address indicated.
#### 4. **Fund Your Membership**
– **Opening Deposit:** Altura Credit Union may require an opening deposit upon opening your account. The deposit typically is paid in to a savings account and is your share of the credit union.
– **How Much to Deposit:** Ask Altura to determine the actual amount you will need to deposit.
#### 5. **AGREE TO THE MEMBERSHIP AND SIGN**
– **Read Over Terms:** Read through the membership agreement and any additional documents presented to you.
– **Sign Documents:** Sign the required forms to finalize membership.
#### 6. **Confirmation of Membership**
– **Confirmation:** Following the processing of your application, a confirmation of membership is then sent your way.
– **Account Information:** It is by this time you are given details of how to access your account and use credit union services.
### Why Bank with Altura Credit Union
#### 1. **One on One Experience**
– **Local Focus:** With Altura Credit Union, you will receive person-to-person care, many times meeting the needs of the community.
– **Customer Care:** You will receive care from a knowledgeable and friendly staff that will provide service to meet your specific needs.
#### 2. **Competitive Rates**
– **Savings Accounts:** One provides a higher interest rate on a range of savings accounts compared to traditional banks.
– **Loans and Credit Cards:** You will also have access to credit-worthy rates on loans, mortgages, and credit cards.
#### 3. **Low Fees**
– **Fee Structure:** Lower Fees and better terms in account maintenance, overdrafts, and any other services compared to larger banks.
#### 4. **Community Involvement**
– **Local Investment:** Support for local businesses and community projects.
– **Charitable Contributions:** Enlisted in local charity and community events.
#### 5. **Comprehensive Financial Products**
– **Account Options:** Checking and savings accounts that come in various types for different needs.
– **Loans Services:** Offers different loan products, including personal, auto, and home loans.
– **Investment Services:** Process to buy investment products and services related to financial planning.
#### 6. **Convenient Access**
– **Online and Mobile Banking:** You can access your account online and on your mobile device.
– **ATM Network:** ATMs countrywide, available to consumers at their convenience for easy access to money on the go.
#### 7.**Resources for Self-Improvement**
– **Financial Education** They provide resources and run seminars on financial education that will help interact with how to manage your money and come up with decisions.
– **Personal Advice** Any kind of advice and planning is available from their financial advisors.
#### 8.**Community Focus**
– **Customer Feedback:** The right to give an opinion and have a say in decisions which shape the community.
By becoming a member of Altura Credit Union, you become a part of a complete financial cooperative providing many financial products to meet your financial needs with the benefit of a very high level of community orientation and customer service,.