Presentation by: Karena Zermeno

Welcome!

Enriching Lives and Empowering Dreams

Introduction

Altura Founded in 1957 by two Riverside USD Employees
Grown to be the largest credit union in the Inland Empirewith more than 175,000 members and growing
21 Current Branches over 5000 shared branches nationwide
34,000 charge free ATMS

Credit Unions vs. Banks
Credit Union vs. Banks

Credit Union vs. Banks
Credit Union
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Not for Profit
Free Accounts
Low loan rates
Flexible
Credit building and BalanceBanks- Profit Driven (owned by stockholders)- High Fees
- Higher interest rates- Strick rules and regulations

Member Service•

We are committed to provide accuracy, consistency, and personalized service.

•Every member every time

Products and Services
VIP Checking: Not your traditional bank account•Free Checking with direct deposits available up to two days sooner•

No fee for non Altura ATM usage•

Free Cashiers Checks, Money Orders, and Personal Checks•

Dividend earning account on balances over $100•

Credit monitoring & I.D. theft protection included in membership

Ascend Checking: No requirements, No hooks, No gimmicks• Summer Savings:•6% Earning Summer Savings•

Contribute up to $2,500 a month - $25,000 for the year

• Education Supply Card:•0% Interest Revolving Credit Card•

Build positive payment history•

Approval no based on credit. (approved limit based on credit).

Products and Services Cont.
Credit Building – Great way to enhance or repair credit
Create positive payment history
Structured Savings Account
No Credit Check
1 Year / $1000 – 2 Year / $2000 – 3 Year / $3,000
Balance – Free financial resources
Money Management Counseling
Credit Report Review
Debt Management PlanAuto Ex p e rt
Auto Expert is an auto locating service that assist you in your search for a vehicle of your dreams(or budget). We handle everything including locating and negotiating for your vehicle of interest.
Auto Expert
Think of us as your personal shopper, we do all the work and they sit back and relax.

MAIN POINTS ABOUT US:• Founded in 1998 by Riverside-based Altura Credit Union, we are a personalized service thatprovides an alternative to the Dealership.
• We are an auto-locating service that locates new and used vehicles for Members, while
assisting in trade-ins, and providing a mobile solution for after-market products.
MEMBER BENEFITS:• .25% rate discount on loan for using Auto Expert• Average savings of $1,500 off MSRP
• 97% Member Satisfaction Score• Most convenient way to buy a car
Auto Expert is an auto locating service that assist you in your search for a vehicle of yourdreams

Why Altura?
Alt ura’s Board members are dedicat ed local leaders whocare about your financial well-being and volunt eer t heirt ime t o creat ing product s t o best serve our communit y.

Join today to see what sets us apart from other financial
institutions and see firsthand how we are Enriching Livesand Empowering Dreams.

Questions?
Contact Information:
Karena Zermeno– Business Development Manager
Phone: (951)757-5920
Email: kzermeno@alturacu.com
Education Website: https://www.alturacu.com/kz-vip/
On Behalf of Altura Credit Union and myself we would like to thankyou for your time and consideration for joining the Altura family!