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 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+

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
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

Interactive local rates map


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