AltaOne Credit Union Ridgecrest CA | Quick Personal Loans & ATM Access

Introduction

At Altaone, we believe that financial success starts with strong community ties and personal connections. Located at 701 S China Lake Blvd, Ridgecrest, CA 93555, our branch has been serving members since 1947, growing into a trusted financial partner for over 57,800 individuals in our area. Our commitment to supporting your dreams is reflected in our robust financial health, boasting total assets of $932,263,445 and total deposits reaching $102,250,511. Led by our dedicated CEO, Stephanie Sievers, and Board President, Norman Alexander, Altaone operates with a team of 183 employees who are always ready to assist you. Whether you need help with auto loans or personal banking services, we are here for you. Our friendly staff is committed to providing personalized service that meets your unique needs. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 1209, Ridgecrest, CA 93556. At Altaone, we take pride in empowering our community through various financial products and services. With a total loan portfolio consisting of 33,191 loans, including auto loans and credit cards with rewards, we strive to offer options that fit every lifestyle. We also ensure that your hard-earned money is safe with us; our net worth stands at an impressive $91,771,548. Visit us during our operating hours from Monday to Friday, 9:00 a.m. to 5:00 p.m., or on Saturday from 9:00 a.m. to 2:00 p.m. If you have any questions or need assistance, don't hesitate to call us at 760-371-7000. Explore all the ways we can help you achieve your financial goals at altaone.org. Join us today and experience the difference a community-focused credit union can make!

Branch History & Mission

Community Commitment

Community involvement is at the heart of what we do. We actively seek partnerships with local organizations to support initiatives that foster economic growth and social well-being in Ridgecrest. Whether it's sponsoring events or providing educational resources about financial literacy, we are committed to making a difference. Our branch also features ATM availability and drive-thru banking, ensuring convenience for all members. We understand that accessibility matters, which is why we maintain an ADA-compliant facility so everyone can enjoy our services without barriers. While you can visit us at our branch address for all your banking needs, official correspondence should be directed to PO Box 1209, Ridgecrest, CA 93556 if different from your visit.

Join Us

As we continue to grow and evolve, we invite you to be part of our story. Experience firsthand how being a member of Altaone means more than just having a bank account it's about being part of a community that cares. Visit us or call us at 760-371-7000 during our operating hours Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 2:00 p.m. to learn more about how we can support your financial journey. Together, let's build a brighter future for Ridgecrest!

Our Mission

At Altaone, our mission is clear: we aim to provide accessible financial services that empower individuals and businesses alike. We understand that banking goes beyond transactions; it's about building relationships and supporting our members through life's ups and downs. Our core values emphasize integrity, community engagement, and member satisfaction. We strive to make banking easy and convenient by offering various services from checking and savings accounts to auto loans, mortgages, credit cards, and business banking solutions. We are proud to offer digital advancements such as online banking and mobile payments, ensuring that our members can manage their finances anytime and anywhere.

Branch Location & Accessibility

Accessibility Features

At Altaone, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and designated spaces to ensure everyone can easily navigate our facilities.

Call-to-Action

Ready to experience top-notch service? Visit us at Altaone today or give us a call at 760-371-7000. Our friendly team is here to assist you with all your banking needs!

Nearby Landmarks

If you're new to the area or just passing through, you'll find us close to popular spots like the Ridgecrest City Hall and the Desert Empire Fairgrounds. This central location makes it simple for you to drop by while running errands or enjoying local attractions.

Operating Hours

We know your time is valuable. That's why our lobby hours are designed with your schedule in mind: we're open Monday through Friday from 9:00 a.m. to 5:00 p.m., and on Saturdays from 9:00 a.m. to 2:00 p.m. If you prefer using our drive-thru service for quick transactions like deposits or withdrawals, we've got that covered too!

Services Offered

As part of our commitment to serve you better, we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more! We also provide online and mobile banking for your convenience so you can manage your finances from anywhere.

Member Eligibility

Becoming a member of Altaone means joining a community that cares about your financial wellbeing. To qualify for membership, you simply need to live, work, or worship in the area surrounding our branch at 701 S China Lake Blvd Ridgecrest Ca 93555. This welcoming approach ensures that we can serve those who are part of our local community. We believe in inclusivity and support, making it easy for you to access the benefits of being a member, such as competitive rates on loans and personalized service tailored to your needs. To get started on your journey with us, check out the full eligibility details at http://www.altaone.org/bank-local. If you're ready to open an account, it's a straightforward process just visit our account opening page at https://onlinebanking.altaone.org/aofcuonline/sdk/autoenrollmente2e or give us a call at (760) 371-7000 for assistance. We're excited to welcome you into the Altaone family!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

Alongside our loan offerings, we provide merchant services that simplify transactions for your business. Imagine seamlessly accepting payments from your customers without the hassle of complicated systems. Our services allow you to focus on what you do best running your business while we handle the payment processing efficiently. Explore how Altaone can be a partner in your business journey. With dedicated support and tailored financial products, we are here to help turn your vision into reality. Visit us at 701 S China Lake Blvd Ridgecrest Ca 93555 or call us at (760) 371-7000 to learn more!

Comprehensive List Of Services

Banking at Your Convenience

We pride ourselves on making banking accessible for everyone. Our branch features basic drive-thru banking for deposits, withdrawals, and simple transactions perfect for those on the go! Plus, we have shared branch transactions available for members of partner credit unions, ensuring that you can access your funds no matter where life takes you.

Join Us Today!

Whether you're visiting us in person or using our digital platforms, we strive to make every interaction enjoyable and efficient. If you're ready to experience exceptional service and a wide array of financial products, call us at (760) 371-7000 or visit us online at Corporate. Join us today and discover how we can help fulfill all your financial needs!

Personal Banking Made Easy

Our personal banking services include checking and savings accounts designed to help you manage your money efficiently. You can easily monitor your balance and transactions through our convenient online and mobile banking platforms. Need quick access to cash? Our ATM services allow you to withdraw funds or check balances whenever you need. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can help make that dream a reality. We offer competitive rates to help you get behind the wheel without breaking the bank. For those looking to buy a home, explore our flexible mortgage loans and refinancing solutions, tailored to fit your budget and lifestyle.

Simplifying Your Financial Journey

Life can sometimes throw unexpected challenges your way. That's why we also provide personal loans and debt consolidation services to assist you in managing your finances more effectively. Additionally, our credit cards with rewards make it easy for you to earn points on everyday purchases, giving you something back every time you spend. For members who own businesses or are self-employed, we offer specialized business banking services, including merchant services and business loans. These options are designed to support your entrepreneurial journey and help your business thrive.

Digital & Online Banking

Key Features

One of the standout features we provide is the ability to send money easily with person-to-person transfers. Need to split a bill or pay a friend back? It's as simple as sending a text! And if you're looking to keep track of your finances, opt for e-statements that provide an eco-friendly way to receive your account information without the clutter of paper. For those who enjoy the convenience of modern payments, our mobile payments feature allows you to make transactions quickly and securely right from your phone. While we currently do not support electronic signature authorization, our commitment to security means that all transactions are protected with robust encryption measures. Our members appreciate the ease of accessing their accounts online at any time. Whether it's reviewing transactions or setting up automated payments, Altaone ensures that managing your finances is straightforward and efficient. In summary, with services like online banking, e-statements, mobile payments, and a dedicated mobile application, Altaone empowers you to take control of your financial journey whenever and wherever it suits you. Join us today and experience how easy banking can be!

Financial Strength

At Altaone, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to ensuring your financial peace of mind through sound management and robust financial practices. 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. 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. 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 is evident with $5,715 in used auto loans and $694,473,118 in total loans and leases that support our members' financial goals across various sectors. Our operational efficiency is reflected in our $0, 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. Net Shares (Funds available for lending and investments): $19,987,366. Total Share and Deposit Accounts: 107,618, showing a strong and growing member base that trusts us with their finances. 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 701 S China Lake Blvd Ridgecrest Ca 93555 or call (760) 371-7000 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Additional Information

If you're interested in refinancing options or need help determining eligibility for any of our loan products, please don't hesitate to reach out! You can contact us at (760) 371-7000, and our friendly staff will be happy to assist you. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Altaone, we believe that everyone deserves access to financial solutions that empower them to succeed. Visit us today and discover how we can help you take the next step towards achieving your financial dreams!

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 quick approvals, making it easier than ever to drive off in your dream vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $29,310,515 provide the capital needed to grow and expand. We support local businesses with competitive rates and personalized service.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $44,508,201, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, we're here to guide you through the process.

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. Our credit cards come with various benefits and rewards tailored to fit your lifestyle.

Loan Aggregator

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Altaone