Altaone Federal Credit Union


Overview / Commentary
760-371-7000
701 S China Lake Blvd
Ridgecrest, CA 93555

Altaone Federal Credit Union is headquartered in Ridgecrest and is the 73rd largest credit union in the state of California. It is also the 524th largest credit union in the nation. It was established in 1947 and as of March of 2024, it had grown to 176 employees and 57,830 members at 12 locations. Altaone Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Kern, Inyo, Mono County or selected communities in northern San Bernardino County. Membership is also open to immediate family of existing members.
See current membership details

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Health
B+

Health Grade Components

Overall
NCUA #5612
Year Chartered1947
Employees176
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD3.05%
Annual Interest Income$9.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$826.8MM$795.7MM
LoansQ1 2024vs Q1 2023$624MM$627MM
DepositsQ1 2024vs Q1 2023$755.2MM$731MM
Equity CapitalQ1 2024vs Q1 2023$56MM$53.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$9.1MM$8.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.7MM$2.5MM
Real Estate OwnedQ1 2024vs Q1 2023$0$113K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Altaone Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-IRA Accounts
0.05%$0-Regular Share Savings

Altaone Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$250k*-AltaAdvantage Money Market Account
OTHER TIERS: 0.50% $100k - $250k
0.40%*$50k*-Money Market Account
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k

Altaone Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.84%*$250k*-10 Month Share Certificate
OTHER TIERS: 4.59% $5k+
4.84%*$250k*-5 Month Share Certificate
OTHER TIERS: 4.59% $5k+
4.32%*$250k*-6 Month Share Certificate
OTHER TIERS: 4.06% $500 - $250k
4.32%*$250k*-12 Month Share Certificate
OTHER TIERS: 4.06% $500 - $250k
4.32%*$250k*-18 Month Share Certificate
OTHER TIERS: 4.06% $500 - $250k
4.06%*$250k*-24 Month Share Certificate
OTHER TIERS: 3.80% $500 - $250k
3.91%*$250k*-36 Month Share Certificate
OTHER TIERS: 3.65% $500 - $250k
3.91%*$250k*-48 Month Share Certificate
OTHER TIERS: 3.65% $500 - $250k
3.91%*$250k*-60 Month Share Certificate
OTHER TIERS: 3.65% $500 - $250k
3.91%*$250k*-30 Month Share Certificate
OTHER TIERS: 3.65% $500 - $250k

Altaone Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.84%*$250k*-10 Month IRA
OTHER TIERS: 4.59% $5k - $250k
4.84%*$250k*-5 Month IRA
OTHER TIERS: 4.59% $5k - $250k
4.32%*$250k*-6 Month IRA
OTHER TIERS: 4.06% $500 - $250k
4.32%*$250k*-12 Month IRA
OTHER TIERS: 4.06% $500 - $250k
4.32%*$250k*-18 Month IRA
OTHER TIERS: 4.06% $500 - $250k
4.06%*$250k*-24 Month IRA
OTHER TIERS: 3.80% $500 - $250k
3.91%*$250k*-36 Month IRA
OTHER TIERS: 3.65% $500 - $250k
3.91%*$250k*-48 Month IRA
OTHER TIERS: 3.65% $500 - $250k
3.91%*$250k*-60 Month IRA
OTHER TIERS: 3.65% $500 - $250k
3.91%*$250k*-30 Month IRA
OTHER TIERS: 3.65% $500 - $250k
Locations

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