AltaOne Credit Union Lake Isabella CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Altaone at Lake Isabella, where our commitment to serving our members goes beyond just banking. Established in 1947, we've grown into a trusted partner for over 57,848 members in our community. Located at 5946 Lake Isabella Blvd, Lake Isabella, CA 93240, we take pride in offering personalized financial services tailored to meet your needs. At Altaone, we believe that everyone deserves access to quality financial resources. With total assets of $932,263,445 and deposits reaching $102,250,511, we are well-equipped to support our members' aspirations whether it's buying a new car or financing your dream home. Our diverse range of loans includes over 33,191 loans and leases, ensuring that there's something for everyone. Our dedicated team of 183 employees, led by CEO Stephanie Sievers and Board President Norman Alexander, works tirelessly to foster an environment of trust and reliability. We understand that financial decisions can be daunting; that's why we strive to make your experience smooth and straightforward. With state-of-the-art online and mobile banking options, managing your finances has never been easier. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to our mailing address: P.O. Box 3553, Lake Isabella, CA 93240. We're here Monday through Friday from 9:00 a.m. to 5:00 p.m. If you have questions or need assistance, don't hesitate to reach out at 760-379-4671. Join us today and discover how Altaone is more than just a credit union; we are your partner in building a brighter financial future! Visit us online at altaone.org or stop by our branch your journey toward financial empowerment starts here!

Branch History & Mission

Join Us

As we continue to grow and adapt to the changing landscape of finance, we invite you to be part of our journey. Experience the benefits of membership at Altaone where your financial success is our priority. Visit us during our operating hours from Monday to Friday, 9:00 a.m. - 5:00 p.m., or give us a call at 760-379-4671 for any questions. Join us today and discover how we can work together for a brighter financial future!

Our Mission

At Altaone, our mission goes beyond traditional banking. We strive to empower our members by providing accessible financial services that meet their unique needs while fostering a sense of belonging within the community. Our goal is to ensure that everyone has the opportunity to thrive financially. In addition to offering checking and savings accounts, auto loans, mortgages, and business banking solutions, we pride ourselves on being a community partner. We regularly engage in outreach efforts that support local initiatives and contribute to the well-being of our neighbors. Our commitment to innovation means that we also offer modern conveniences like online banking and mobile payments. These tools make managing your finances easier than ever while ensuring compliance with ADA standards for accessibility.

Branch Location & Accessibility

Accessibility Features

At Altaone, we prioritize accessibility for all members. Our branch is designed with ADA compliance in mind, featuring ramps and accessible parking spaces to ensure everyone can easily access our services. Parking is available right outside the entrance, making it simple for you to stop by without any hassle.

Connect With Us

If you have questions or need assistance before visiting, feel free to give us a call at 760-379-4671. Our team is ready and eager to help! We invite you to come experience the friendly service at Altaone and discover how we can support your financial journey.

Operating Hours

We understand that life can get busy! That's why we're open Monday through Friday from 9:00 a.m. to 5:00 p.m., allowing ample time for you to manage your banking tasks around your schedule.

Services Offered

Our branch offers a wide range of services tailored to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We also provide business banking services such as merchant solutions and business loans. For added convenience, you'll find an ATM on-site that allows for cash withdrawals and balance checks whenever you need them. Although we currently do not offer drive-thru banking at this location, our shared service center is available for basic transactions if you're a member of partner credit unions.

Member Eligibility

At Altaone, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is simple and open to those who live, work, or worship in our service area. If you're ready to experience the benefits of credit union membership, you're in the right place! To learn about the specific eligibility requirements, feel free to check out this resource: Eligibility Details. Joining us means gaining access to a variety of financial products tailored just for you, from checking and savings accounts to competitive loans and personalized services. We pride ourselves on being more than just a financial institution; we're your neighbors, dedicated to helping you thrive. If you have any questions or need assistance with opening an account, don't hesitate to give us a call at (760) 379-4671 or visit our online account opening page at Account Opening. Welcome aboard!

Business Banking & Commercial Services

Merchant Services that Matter

In today's competitive market, efficient payment solutions are crucial. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Imagine being able to accept payments seamlessly while offering your customers multiple options for checkout. Whether it's credit card processing or mobile payments, we provide the tools that make it easy for you to grow your sales. Located at 5946 Lake Isabella Blvd Lake Isabella Ca 93240 in Lake Isabella, CA, we invite you to explore how our services can elevate your business. Connect with us at (760) 379-4671 or visit our website here to learn more about how we can support your financial journey!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Services

If you're a small business owner, Altaone is here to help you thrive. Our Business Banking services, including Merchant Services & Business Loans, are designed to meet the specific needs of local businesses. Whether it's facilitating transactions or securing funding for expansion, our team understands what it takes to succeed in today's competitive environment.

Digital Banking Convenience

We know that convenience is key in today's fast-paced world. That's why we offer robust Online & Mobile Banking platforms that allow you to manage your finances anytime, anywhere. With features like ATM access for cash withdrawals and balance checks, managing your money has never been easier. Our commitment extends beyond just digital access; we also support basic shared branch transactions for partner credit union members. This means deposits and withdrawals can be done seamlessly even when you're away from Altaone.

Personal Banking Solutions

Navigating personal finances can sometimes feel overwhelming. At Altaone, we offer Checking & Savings Accounts tailored to fit your lifestyle. Imagine having an account that not only helps you manage daily expenses but also grows your savings effortlessly. Our Auto Loans & Vehicle Financing options make it easy for you to get behind the wheel of your dream car without straining your budget. If homeownership is in your sights, our Mortgage Loans & Refinancing services can guide you through the process with competitive rates and personalized advice. For those unexpected expenses or plans that require extra funds, consider our Personal Loans & Debt Consolidation options. We aim to help you find manageable solutions without the stress often associated with borrowing. Plus, our Credit Cards with Rewards provide not just purchasing power but also opportunities to earn rewards on everyday spending.

Reach Out Today!

Located at 5946 Lake Isabella Blvd Lake Isabella Ca 93240 in Lake Isabella, CA, we're just a phone call away at (760) 379-4671. Our friendly staff is ready to assist with any questions or concerns regarding our services. Visit us during our operating hours from Monday to Friday, 9:00 a.m. - 5:00 p.m., and discover how Altaone can make a positive impact on your financial life. Explore all the possibilities with us today! For more information about our services, feel free to check out our website at Lake Isabella. We look forward to serving you!

Digital & Online Banking

E-Statements and Mobile Features

Stay organized and reduce paper clutter with our e-statements, which are readily available for all members. You can easily view your financial history anytime you need it. Plus, our mobile application brings even more features directly to your smartphone. From mobile payments to person-to-person transfers, you can send money to friends or family in seconds no need for cash!

Online Banking Services

Our robust online banking platform is available 24/7, allowing you to access your accounts whenever it suits you. With just a few clicks, you can check balances, transfer funds, and pay bills all from the comfort of your home or while out and about. To get started, visit us at https://altaone.org/ .

Security and Accessibility

We prioritize your security with every transaction. While we don't currently offer electronic signature authorization, we ensure that all other features are user-friendly and secure. Our online banking tools help you manage your account in real-time so you can always stay on top of your finances without stress. In a fast-paced world where time is precious, Altaone offers digital solutions that make banking easy and secure. Join us today and experience the convenience of modern banking!

Financial Strength

Growing Member Base

Total Share Accounts: 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 5946 Lake Isabella Blvd Lake Isabella Ca 93240 or call (760) 379-4671 to learn more about how we can help you achieve your financial goals.

Member Savings Security

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.

Reinvestment for Growth

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 members' financial goals across various sectors with $5,715 in used auto loans and $694,473,118 in total loans and leases.

Strong 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have competitive terms that can make your purchase easier.

Business Loans

For business owners, our outstanding commercial loans totaling $29,310,515 provide the capital needed to grow and expand. We understand how important it is for businesses to have access to funds when they need them most.

Credit Lines

Our total credit lines amount to $117,045,397, giving members access to funds whenever they might need them without having to apply for a new loan each time. At Altaone, we strive to make the borrowing process straightforward and beneficial for our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. For more information about our loan offerings or eligibility options available at our branch in Lake Isabella, please visit our website or give us a call. We're here to help you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $44,508,201, making buying or refinancing simple. We also offer refinancing options that could potentially lower your monthly payments and save you money over time.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $30,618,009 in loans helping members manage their finances effectively. These cards provide an easy way to handle everyday purchases while keeping your budget in check.

Loan Aggregator

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This adherence to regulatory standards ensures that users receive fair and transparent offers. Each comparison reflects current market conditions and is updated regularly to guarantee accuracy.

The Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they receive is credible and reliable. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This commitment to neutrality means users see all available options without hidden agendas. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Whether you are looking for a mortgage or an auto loan, LendMesh presents the most relevant data at your fingertips. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness of the platform in facilitating significant savings. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

ALTAONE FEDERAL CREDIT UNION - Lake Isabella, CA