2. Altaone Federal Credit Union

Altaone Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
1.56%5-year CD
3.10% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
0.65%1-year CD
2.65% - Barclays 12 Month Online CDAdvertisement
0.10%Savings
2.00% - Ally Bank Online Savings AccountAdvertisement
View all Altaone Federal Credit Union rates »

Overview / Commentary
altaone.org
760-371-7000
701 S China Lake Blvd
Ridgecrest, CA 93555-5027

Altaone Federal Credit Union is headquartered in Ridgecrest and is the 71st largest credit union in the state of California. It is also the 455th largest credit union in the nation. It was established in 1947 and as of September of 2018, it had grown to 162 employees and 54,360 members at 11 locations. Altaone Federal Credit Union 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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Reviews (2)

One of the best!

Posted by: CaliKris | Dec 27, 2016

I banked with AltaOne when I lived in the desert. They were the first credit union I have ever banked with and they were a good introduction to the experience. My direct deposits always came in the same day and I didn't have to pay a service fee. The bank was always quiet and the tellers were super helpful. They remembered me when I would come in and always offered help when I needed it. They would call me if there were any issues with my account and made me feel comfortable that my money was safe. They offer different services like loans, safety deposit boxed etc. I enjoyed my experience with AltaOne and will probably open another account with them in the near future. Highly recommended to anyone looking for a bank.

1

Would not recommend

Posted by: rodchristian | May 16, 2018

I had a savings account with this institution for several years. The local branch is friendly and I had no issues with the customer service. However the online banking was a big problem for me. I tried several times to set up an online account even spending 30 minutes inside the branch itself trying to set it up. I had issues every time and finally gave up. The problem got worse as they began charging $2.00 for each statement they sent. I wanted to opt out of the physical statement to avoid this fee but guess what? YOU CAN ONLY OPT OUT THROUGH YOUR ONLINE ACCOUNT. You CANNOT tell a local teller to opt out for you nor can a phone representative help you with this either. Each month for months I lost $2.00 out of my account because I could NOT opt out since I had so much trouble trying to make an online account. This finally lead me to close my account out of frustration and I will never bank with them again.

2


Health
B

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #5612
Year Chartered1947
Employees162
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.66%
Annual Interest Income$22.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$635.7MM$636.0MM
LoansQ3 2018vs Q3 2017$493.3MM$533.4MM
DepositsQ3 2018vs Q3 2017$563.7MM$571.0MM
Equity CapitalQ3 2018vs Q3 2017$62.0MM$60.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$7.7MM$7.2MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$5.9MM$6.0MM
Real Estate OwnedQ3 2018vs Q3 2017$1.4MM$1.2MM
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%--IRA Accounts
0.10%$25-Regular Share Savings

Altaone Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-AltaAdvantage Money Market Account
OTHER TIERS: 0.20% → $100k - $250k
0.15%*$25k*-Money Market Account
OTHER TIERS: 0.10% → $2.5k - $25k

Altaone Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.23%*$250k*-Business Dividend Share Draft Checking
OTHER TIERS: 0.05% → $5k - $25k | 0.08% → $25k - $50k | 0.10% → $50k - $100k | 0.15% → $100k - $250k

Altaone Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%*$50k*-60 Month Share Certificate
OTHER TIERS: 1.26% → $500 - $2.5k | 1.36% → $2.5k - $10k | 1.46% → $10k - $50k
1.36%*$50k*-48 Month Share Certificate
OTHER TIERS: 1.05% → $500 - $2.5k | 1.15% → $2.5k - $10k | 1.26% → $10k - $50k
1.00%*$50k*-36 Month Share Certificate
OTHER TIERS: 0.70% → $500 - $2.5k | 0.80% → $2.5k - $10k | 0.90% → $10k - $50k
0.90%*$50k*-30 Month Bump-up Share Certificate
OTHER TIERS: 0.80% → $10k - $50k
0.70%*$50k*-24 Month Share Certificate
OTHER TIERS: 0.55% → $500 - $2.5k | 0.60% → $2.5k - $10k | 0.65% → $10k - $50k
0.65%*$50k*-12 Month Share Certificate
OTHER TIERS: 0.50% → $500 - $2.5k | 0.55% → $2.5k - $10k | 0.60% → $10k - $50k
0.65%*$50k*-18 Month Bump-up Share Certificate
OTHER TIERS: 0.45% → $5k - $10k | 0.55% → $10k - $50k
0.45%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.30% → $500 - $2.5k | 0.35% → $2.5k - $10k | 0.40% → $10k - $50k

Altaone Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%*$50k*-60 Month IRA
OTHER TIERS: 1.26% → $500 - $2.5k | 1.36% → $2.5k - $10k | 1.46% → $10k - $50k
1.36%*$50k*-48 Month IRA
OTHER TIERS: 1.05% → $500 - $2.5k | 1.15% → $2.5k - $10k | 1.26% → $10k - $50k
1.00%*$50k*-36 Month IRA
OTHER TIERS: 0.70% → $500 - $2.5k | 0.80% → $2.5k - $10k | 0.90% → $10k - $50k
0.90%*$50k*-30 Month Bump-up IRA
OTHER TIERS: 0.80% → $10k - $50k
0.70%*$50k*-24 Month IRA
OTHER TIERS: 0.55% → $500 - $2.5k | 0.60% → $2.5k - $10k | 0.65% → $10k - $50k
0.65%*$50k*-12 Month IRA
OTHER TIERS: 0.50% → $500 - $2.5k | 0.55% → $2.5k - $10k | 0.60% → $10k - $50k
0.65%*$50k*-18 Month Bump-up IRA
OTHER TIERS: 0.45% → $5k - $10k | 0.55% → $10k - $50k
0.45%*$50k*-6 Month IRA
OTHER TIERS: 0.30% → $500 - $2.5k | 0.35% → $2.5k - $10k | 0.40% → $10k - $50k
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