Alta Vista Credit Union

Overview / Commentary
1425 W Lugonia Ave
Redlands, CA 92374

Alta Vista Credit Union is headquartered in REDLANDS and is the 123rd largest credit union in the state of California. It is also the 1,192nd largest credit union in the nation. It was established in 1943 and as of March of 2019, it had grown to 35 employees and 15,968 members at 2 locations. Alta Vista Credit Union's CD rates are 67% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Alta Vista CU is open to anyone who holds residence, works, or attends church in the California Counties of San Bernardino or Riverside and their family members, federal employees, active duty, retired, or veterans of the Armed Forces; including Coast Guard, reserve, and the National Guard, or be employed at any of the CU-affiliated SEG's.
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Reviews (4)

Pick A Credit Union With Breadth Or Depth

Posted by: gautier | Aug 1, 2013

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.

EWP Is Pretty Bad

If I'm reading their website properly, it looks like the EWP for CDs over 2 years is 100% of the dividends that would have been earned if the amount withdrawn was kept to maturity! That means depending on when you withdrew the money you could actually lose principal! What a deal!


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 [email protected]

This Bank Fails!

Posted by: Anonymous | Mar 27, 2011

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.


Health Grade Components

NCUA #64531
Year Chartered1943
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.85%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$169.7MM$166.0MM
LoansQ1 2019vs Q1 2018$134.3MM$112.8MM
DepositsQ1 2019vs Q1 2018$155.3MM$150.4MM
Equity CapitalQ1 2019vs Q1 2018$13.8MM$12.9MM
Loan Loss AllowanceQ1 2019vs Q1 2018$1.6MM$1.6MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.0MM$1.4MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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Always verify rates and promotions with the bank or credit union. We are not Alta Vista Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alta Vista Credit Union Savings Account Rates

1.00%$25-IRA Savings
0.15%*$25k*-Regular Savings
OTHER TIERS: 0.10% $25 - $25k
0.10%$25-Vista Savers Savings
0.10%$5-Holiday Club

Alta Vista Credit Union Money Market Rates

0.35%*$100k*-Platinum Money Markets
OTHER TIERS: 0.30% $20k - $100k
0.20%*$20k*-Premier Money Markets
OTHER TIERS: 0.15% $2k - $20k

Alta Vista Credit Union Checking Account Rates

0.05%$2.5k-Platinum Checking

Alta Vista Credit Union CD Rates

3.00%$1k-60 Month Share Certificates
2.60%$1k-17 Month Share Certificate Special
2.50%$1k-36 Month Share Certificates
2.35%$1k-24 Month Share Certificates
2.35%$250-24 Month Youth Share Certificates
2.00%$1k-18 Month Share Certificates
1.50%$1k-12 Month Share Certificates
1.50%$250-12 Month Youth Share Certificates
1.25%$1k-6 Month Share Certificates
1.25%$250-6 Month Youth Share Certificates

Alta Vista Credit Union IRA Rates

3.00%$1k$50k60 Month IRA Share Certificates
2.50%$1k$50k36 Month IRA Share Certificates
1.50%$1k$50k12 Month IRA Share Certificates

Alta Vista Credit Union Locations
Branch Office1425 W LUGONIA AVEREDLANDS, CA 92374
Branch Office2025 N RIVERSIDE AVERIALTO, CA 92377

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