AltaOne Credit Union Kernville CA | Best Auto Loans & ATM Access

Introduction

Welcome to Altaone, your trusted financial partner located at 44 Big Blue Road, Kernville, CA 93238. Since our establishment in 1947, we have been dedicated to serving our community with integrity and commitment. With a robust membership of 57,848 individuals, we take pride in offering personalized banking solutions tailored to meet the needs of every member. At Altaone, we understand that financial stability is essential for both individuals and businesses. That's why we currently manage over $932 million in assets and have facilitated numerous loans and leases totaling 33,191. Our focus on community impact drives us to provide resources that empower our members to achieve their financial goals. While members can visit us at our branch location, official correspondence should be sent to P.O. Box 523, Kernville, CA 93238. Our team is led by CEO Stephanie Sievers and Board President Norman Alexander, who together foster a culture of trust and open communication within the credit union. We invite you to explore the various services we offer, including checking accounts, auto loans, mortgage financing, and business banking solutions. With total deposits exceeding $102 million and a net worth of $91 million, you can feel confident knowing that your finances are in safe hands. For any inquiries or assistance, don't hesitate to reach out at (760) 376-2251 during our lobby hours from Monday to Friday, 10 AM to 2 PM. Visit our website at altaone.org to learn more about how we can help you today!

Branch History & Mission

Community Engagement

We believe in giving back to the community that has supported us for so many years. Through various outreach programs and partnerships with local organizations, we strive to uplift those around us. From sponsoring local events to providing financial education workshops, Altaone is deeply committed to serving Kernville. In addition to our community focus, we embrace modern advancements in banking. With features like online and mobile banking, ATM availability, and shared service centers, we ensure that our members can access their accounts conveniently while maintaining compliance with ADA standards.

Join Us

As we continue to grow and evolve alongside our community, we invite you to be part of this journey. Experience firsthand the benefits of membership at Altaone where your financial well-being matters most. Visit us today or reach out at 760-376-2251 during our operating hours from Monday to Friday between 10 AM and 2 PM. Together, let's build a brighter future for everyone in Kernville! For more information about joining Altaone or exploring our services further, visit us at altaone.org.

Our Mission

At Altaone, our mission goes beyond just providing financial services; it's about making a positive impact on our community. We are dedicated to empowering individuals and families with the tools they need to achieve their financial goals. Our offerings include personal banking services like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We pride ourselves on being more than just a bank; we are a trusted partner in the lives of our members. Our goal is to foster financial literacy and support local initiatives that enhance the quality of life in Kernville and its surrounding areas.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is key for many of our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can access our services with ease. Plus, ample parking is available for your convenience.

Connect with Us

If you have any questions or need assistance, don't hesitate to reach out! You can give us a call at 760-376-2251. We look forward to welcoming you into our branch and helping you achieve your financial goals. Come visit us today and experience the Altaone difference!

Operating Hours & Services

Our friendly team is here to assist you during our operating hours from Monday through Friday, 10 AM to 2 PM. Whether you're looking to open a checking account, secure an auto loan, or inquire about mortgage options, we've got you covered. We also offer ATM services for quick cash withdrawals and balance checks because we know life can be busy! Although we do not have a drive-thru option, our shared service center allows members from partner credit unions to perform basic transactions like deposits and withdrawals. This means you'll have more flexibility when managing your finances.

Member Eligibility

Becoming a member of Altaone is like joining a welcoming family where your financial needs are prioritized and supported. If you live, work, or worship in the area, you're likely eligible to join us! We believe that everyone deserves access to quality financial services, and we make it easy for you to step into membership. For specific eligibility criteria, please visit http://www.altaone.org/bank-local , where you'll find all the details you need. Once you're ready to open an account, the process is smooth and straightforward. You can begin your journey with us by visiting our online account opening page at https://onlinebanking.altaone.org/aofcuonline/sdk/autoenrollmente2e . If you have any questions or need assistance, don't hesitate to call us at (760) 376-2251. Join us at Altaone, located at 44 Big Blue Road Kernville Ca 93238, and experience the benefits of being part of our community-focused credit union!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $71 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $45 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $29,310,515, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services tailored to meet the needs of your business. Imagine being able to accept payments easily from your customers whether it's via credit card, mobile payment, or online transactions. Our tools help streamline your payment processes, letting you focus more on what you do best: running your business. Located conveniently at 44 Big Blue Road Kernville Ca 93238 in Kernville, CA, we invite you to explore how our Business Banking & Commercial Services can be the stepping stone for your success. For inquiries or assistance, call us at (760) 376-2251 today!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer robust Business Banking solutions that include Merchant Services & Business Loans. Whether you're just starting out or looking to expand your existing business, we can support your growth with customized financial solutions.

Convenient Digital Banking Features

With modern banking trends leaning heavily towards digital solutions, we've made sure that accessing your accounts is simple and convenient. Our Online & Mobile Banking platforms allow you to manage your accounts anytime and anywhere. You can perform transactions like checking balances or transferring funds directly from your smartphone or computer. Plus, with features like ATM & Cash Withdrawal Services, cash access has never been easier.

Financial Flexibility and Support

Life can be unpredictable, which is why our Personal Loans & Debt Consolidation options provide flexibility when you need it most. With competitive rates and straightforward terms, consolidating your debts could help ease financial stress. Additionally, our Credit Cards with Rewards allow you to earn points on everyday purchases perfect for those who love getting something back from their spending.

Personal Banking Solutions

Starting with our personal banking services, we offer Checking & Savings Accounts that can help you manage your money effectively. Imagine having the peace of mind knowing your savings are growing while you have easy access to your funds whenever needed. Our Auto Loans & Vehicle Financing options make it simple to drive away in your dream car without breaking the bank. If you're considering buying a home, our Mortgage Loans & Refinancing services will guide you through every step, ensuring you find the best rate available.

Shared Branch Transactions

If you're a member of another credit union within our network, take advantage of basic shared branch transactions right here at Altaone. This means you can make deposits and withdrawals seamlessly during regular hours.

Your Trusted Financial Partner

At Altaone, we are more than just a financial institution; we are your trusted partner in achieving financial success. If you're curious about any of these services or want to learn more about how we can assist you further, don't hesitate to reach out! Call us at (760) 376-2251, or visit us during our lobby hours from Monday to Friday between 10 AM and 2 PM. Explore all that we have to offer today and discover how easy it is to manage your finances with us! For more information about opening an account or eligibility requirements, please visit our website at https://altaone.org/ . We look forward to serving you!

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check your balance, transfer funds, and manage your accounts with ease. Whether you're at home or on the go, you have real-time control over your finances. Need to send money to a friend? Our person-to-person transfers make it simple and quick, so you can settle up without any hassle. For those who prefer using their mobile devices, our mobile application offers all the same great features as online banking, right in the palm of your hand. You can even make secure mobile payments with just a few taps. Plus, signing up for e-statements means you'll receive your financial documents electronically no more waiting for the mail!

Security and Accessibility

Your security is our priority. Although we currently do not offer electronic signature authorization, we implement strong security measures to keep your information safe while you bank online. Enjoy peace of mind knowing that your data is protected. At Altaone, we're committed to making banking accessible and straightforward for everyone. Join us today and experience the ease of managing your finances digitally!

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand at 107,618, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $19,987,366. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Altaone is your trusted partner. Visit us at 44 Big Blue Road Kernville Ca 93238 or call (760) 376-2251 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $204,160,154 in share certificates and $44,468,885 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $71,520,809, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 167 full-time employees and 16 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $68,710,368 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $5,715 in used auto loans and $694,473,118 in total loans and leases.

Solid Financial Health

With a net worth of $91,771,548, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $981 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $129,560,536 in used vehicle loans and $88,489,011 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates for both new and used vehicles, ensuring that you find a financing solution that fits your budget.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $29,310,515 can provide the capital needed to grow and expand your business. We know how vital it is for local businesses to thrive, and our team is ready to work with you to meet your specific needs. At Altaone, we are committed to providing exceptional service and helping our members navigate their financial journeys. For more information about our loan offerings or if you have any questions about eligibility requirements or refinancing options, please don't hesitate to contact us at (760) 376-2251. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at our branch located at 44 Big Blue Road Kernville Ca 93238 in Kernville, CA, or check out our website for more details on how we can assist you further!

Credit Lines and Personal Loans

Managing day-to-day expenses can sometimes be challenging, which is why we also offer personal loans and credit lines. With a total of $117,045,397 in credit lines available, you can access funds when you need them most. This flexibility allows you to handle unexpected costs or consolidate existing debt with ease.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $44,508,201, allowing you to take the next step toward owning your dream home. Our team is here to guide you through the process and answer any questions you may have about eligibility or refinancing options.

Unsecured Credit Card Loans

For those looking for a reliable way to manage their finances, we provide unsecured credit card loans totaling $30,618,009. These cards come with flexible terms designed to help you stay within your budget while enjoying the benefits of rewards and other perks.

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Real-Time Rate Comparisons

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Verified Data

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ALTAONE FEDERAL CREDIT UNION - Kernville, CA