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P.O. Box 10847
San Bernardino, CA 92423

Alta Vista Credit Union is headquartered in REDLANDS and is the 130th largest credit union in the state of California. It is also the 1,217st largest credit union in the nation. It was established in 1943 and as of March of 2014, it had grown to 33 employees and 12,391 members. Alta Vista Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work or worship in San Bernardino or Riverside County or be associated with the former Norton Air Force Base (retiree, civil service, Department of Defense, etc.) or any branch of the U.S. Armed Forces or Reserves. - See Details

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Reviews (3)

Pick A Credit Union With Breadth Or Depth

This one is no help outside of its one city. If you can't return to its main branch for deposits and assistance, you're on your own.

This Bank Fails!

I received one dollar bills out of an ATM and it's been over a month, and this bank has failed to fix the problem and give me my money back.

Poor customer service on this topic. Friendly faces that hurry me out of their office and banking skills worse than me (I have basically none).

I do not recommend this bank to anyone.


My husband and I have been with this bank since 2008 and have had HORRIBLE experiences.  We believe that they are utilizing a hidden internal system in efforts to maximize the number of overdraft and NSF fees charges to our account as well as other customer's accounts. I believe that they are deceptively charging numerous overdraft and NSF fees although there are deposits pending beforehand electronically at the same time.  Despite being with them since 2008, they have literally bounced every single check that resulted as a overdraft even though the check may have been as low as $20.00.  Alta Vista Credit Union initially had over 6 branch locations whereas they are now down to only 2 branches.  June 2013 they withdrew from the Credit Union sister branch network whereas customers are no longer able to make deposits or handle any financial business with (sister branch) credit unions.  Recently a local police officer came to our home to take a related report we tried to file and informed us on the "DL" that they receive immense complaints and reports about Alta Vista CU.  I believe that they have profited immensely from the alleged illegal fees in which they charged us and other customer's.  It seems as if they are rigging the NSF charges to benefit  them the most, instead of allowing items to clear independently they are making money by bouncing multiple smaller transactions for that day.  I would love insight from others that are experiencing the same issues and maybe a recommendation of another good bank to resort to my e-mail is


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Alta Vista Credit Union had $29,000 in non-current loans and owned real-estate with $12.25 million in equity and loan loss allowances on hand to cover it. This gives Alta Vista Credit Union a Texas Ratio of 0.24% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Alta Vista Credit Union decreased dramatically from 2.49% as of March 31, 2013 to 0.24% as of March 31, 2014, resulting in a positive change of 90.48%.This indicates that the balance sheet and financial strength for Alta Vista Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Alta Vista Credit Union has increased its total deposits by $3.85 million, resulting in 3.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alta Vista Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alta Vista Credit Union has $138.81 million in assets with $12.25 million in equity, resulting in a capitalization level of 8.82%, which is average.

Institution Statistics

NCUA #64531
Year Chartered1943
Primary Regulator
Assets and Liabilities
Assets$138.81 million
Loans$51.53 million
Deposits$125.64 million
Equity Capital$11.82 million
Loan Loss Allowance$423,000
Unbacked Noncurrent Loans$29,000
Real Estate Owned$0
Historic Data - March 2013
Assets$134.44 million
Equity Capital$10.99 million
Loan Loss Allowance$1.15 million
Unbacked Noncurrent Loans$29,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.24%
Return on Equity-2.88%
Interest Income$837,000

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Alta Vista Credit Union Savings Account Rates

0.10%$25-Regular Savings
0.10%$25-Next Generation Savings
0.10%$25-Vista Savers Savings
0.10%--Holiday Club Savings

Alta Vista Credit Union Money Market Rates

0.40%$100k-Platinum Money Market
0.35%$20k-Premier Money Market

Alta Vista Credit Union Checking Account Rates

0.05%$2,500-Platinum Checking

Alta Vista Credit Union CD Rates

1.56%$1k-60 Month Share Certificate
1.06%$1k-36 Month Share Certificate
0.70%$1k-24 Month Share Certificate
0.70%$250-24 Month Youth Share Certificate
0.50%$1k-18 Month Share Certificate
0.35%$1k-12 Month Share Certificate
0.35%$250-12 Month Youth Share Certificate
0.30%$1k-6 Month Share Certificate
0.30%$250-6 Month Youth Share Certificate

Alta Vista Credit Union IRA Rates

1.56%$1k-60 Month IRA Share Certificate
1.06%$1k-36 Month IRA Share Certificate
0.70%$1k-24 Month IRA Share Certificate
0.50%$1k-18 Month IRA Share Certificate
0.35%$1k-12 Month IRA Share Certificate
0.30%$1k-6 Month IRA Share Certificate

Alta Vista Credit Union Locations
Branch Office444 S WATERMAN AVE STE ASAN BERNARDINO, CA 92408-1552
Branch Office1425 W LUGONIA AVEREDLANDS, CA 92374
Branch Office2025 N RIVERSIDE AVERIALTO, CA 92377