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Altaone Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
altaone.org
760-371-7000
701 S China Lake Blvd
Ridgecrest, CA 93555

Altaone Federal Credit Union is headquartered in Ridgecrest and is the 67th largest credit union in the state of California. It is also the 479th largest credit union in the nation. It was established in 1947 and as of March of 2025, it had grown to 168 employees and 59,147 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+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #5612
Year Chartered1947
Employees168
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.86%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$945.8MM$826.8MM
LoansQ1 2025vs Q1 2024$750.2MM$624MM
DepositsQ1 2025vs Q1 2024$855.2MM$755.2MM
Equity CapitalQ1 2025vs Q1 2024$57.5MM$56MM
Loan Loss AllowanceQ1 2025vs Q1 2024$12.8MM$9.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.8MM$3.7MM
Real Estate OwnedQ1 2025vs Q1 2024$442K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Altaone Federal 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.

Altaone Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Regular Share Savings
0.05%$0-Sub Share Savings
0.05%$0-Club Accounts

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
4.34%*$250k*-18 Month Share Certificate
OTHER TIERS: 4.18% → $500 - $250k
4.23%*$250k*-12 Month Share Certificate
OTHER TIERS: 4.07% → $500 - $250k
4.23%*$250k*-24 Month Share Certificate
OTHER TIERS: 4.08% → $500 - $250k
4.22%*$250k*-6 Month Share Certificate
OTHER TIERS: 4.07% → $500 - $250k
4.08%$500-36 Month Share Certificate
4.08%$500-48 Month Share Certificate
4.08%$500-60 Month Share Certificate
4.08%$500-30 Month Share Certificate

Altaone Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.34%*$250k*-18 Month IRA
OTHER TIERS: 4.18% → $500 - $250k
4.23%*$250k*-12 Month IRA
OTHER TIERS: 4.07% → $500 - $250k
4.23%*$250k*-24 Month IRA
OTHER TIERS: 4.08% → $500 - $250k
4.22%*$250k*-6 Month IRA
OTHER TIERS: 4.07% → $500 - $250k
4.08%$500-36 Month IRA
4.08%$500-48 Month IRA
4.08%$500-60 Month IRA
4.08%$500-30 Month IRA
0.15%$0-IRA Accounts
Locations

Availability

Los Angeles Area

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