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Altaone Federal Credit Union


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 73rd largest credit union in the state of California. It is also the 506th largest credit union in the nation. It was established in 1947 and as of December of 2019, it had grown to 160 employees and 54,938 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: |

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.

3

Would not recommend

Posted by: |

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.

3


Health
B+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #5612
Year Chartered1947
Employees160
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.53%
Annual Interest Income$28.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$612.7MM$627.6MM
LoansQ4 2019vs Q4 2018$443.3MM$484.0MM
DepositsQ4 2019vs Q4 2018$541.3MM$557.4MM
Equity CapitalQ4 2019vs Q4 2018$64.6MM$62.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$6.7MM$7.8MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$4.2MM$5.7MM
Real Estate OwnedQ4 2019vs Q4 2018$370.00K$1.2MM
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
0.15%--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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