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 67th largest credit union in the state of California. It is also the 473rd largest credit union in the nation. It was established in 1947 and as of September of 2024, it had grown to 167 employees and 57,848 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

Health Grade Components

Overall
NCUA #5612
Year Chartered1947
Employees167
Primary Regulator
Profit Margin
Return on Assets - YTD0.1%
Return on Equity - YTD1.51%
Annual Interest Income$29.8MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$932.3MM$821.2MM
LoansQ3 2024vs Q3 2023$694.5MM$624.5MM
DepositsQ3 2024vs Q3 2023$839.8MM$767.6MM
Equity CapitalQ3 2024vs Q3 2023$59.8MM$50.6MM
Loan Loss AllowanceQ3 2024vs Q3 2023$10.3MM$9.8MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$5.1MM$2.6MM
Real Estate OwnedQ3 2024vs Q3 2023$28K$103K
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
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
4.58%*$250k*-5 Month Share Certificate
OTHER TIERS: 4.32% $5k - $250k
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*-30 Month Share Certificate
OTHER TIERS: 3.65% $500 - $250k
3.85%*$250k*-48 Month Share Certificate
OTHER TIERS: 3.60% $500 - $250k
3.85%*$250k*-60 Month Share Certificate
OTHER TIERS: 3.60% $500 - $250k

Altaone Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.58%*$250k*-5 Month IRA
OTHER TIERS: 4.32% $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*-30 Month IRA
OTHER TIERS: 3.65% $500 - $250k
3.85%*$250k*-48 Month IRA
OTHER TIERS: 3.60% $500 - $250k
3.85%*$250k*-60 Month IRA
OTHER TIERS: 3.60% $500 - $250k
Locations

Availability



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