Altaone Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.56% | 5-year CD | |
| 0.65% | 1-year CD | |
| 0.10% | Savings | 2.20% - Barclays Online Savings Account |
Altaone Federal Credit Union is headquartered in Ridgecrest and is the 71st largest credit union in the state of California. It is also the 464th largest credit union in the nation. It was established in 1947 and as of December of 2018, it had grown to 162 employees and 54,533 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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One of the best!
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.
Would not recommend
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 5612 |
| Year Chartered | 1947 |
| Employees | 162 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.38% |
| Return on Equity - YTD | 3.81% |
| Annual Interest Income | $29.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $627.6MM$628.5MM |
| Loans | Q4 2018vs Q4 2017 | $484.0MM$530.3MM |
| Deposits | Q4 2018vs Q4 2017 | $557.4MM$566.1MM |
| Equity Capital | Q4 2018vs Q4 2017 | $62.4MM$60.3MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $7.8MM$7.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $5.7MM$5.9MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $1.2MM$1.4MM |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | - | - | IRA Accounts | |
| 0.10% | $25 | - | Regular Share Savings |
Altaone Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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 | |||||
