AltaOne Credit Union Ridgecrest CA | Low Mortgage Rates & Business Banking

Introduction

Welcome to Altaone, your trusted partner in financial wellness since 1947. Nestled in the heart of Ridgecrest, CA, at 1450 N Norma St, Ridgecrest, CA 93555, our credit union is dedicated to providing exceptional services tailored to meet the needs of our 57,848 members. With a strong commitment to community and member satisfaction, we strive to make banking simple and accessible for everyone. At Altaone, we pride ourselves on our robust financial standing, boasting total assets of $932,263,445 and total deposits of $102,250,511. Our experienced team is here to help you navigate your financial journey, whether you're looking for auto loans where we've successfully facilitated 33,191 loans or personal banking solutions designed with your best interests in mind. Our CEO, Stephanie Sievers, alongside Board President Norman Alexander, leads a dedicated team of 183 employees who are passionate about serving our members. We understand that each member's financial needs are unique, which is why we offer a wide range of products including checking and savings accounts, mortgages, credit cards with rewards, and business banking services. While you can visit us at our branch for assistance or inquiries during our operating hours from 9 AM to 5 PM, we also provide a wealth of online services through our website at altaone.org. Here you can manage your accounts from the comfort of your home or on the go. We invite you to join us at Altaone where community matters and every member counts. For more information or to get started with your financial goals today, call us at 760-371-7000. Your journey toward financial empowerment begins here!

Branch History & Mission

Join Us

As we look toward the future, we invite you to join the Altaone family. Experience firsthand how we can help you achieve your financial goals while becoming part of a community-focused institution that truly cares about its members. Visit us during our operating hours from 9 AM to 5 PM Monday through Friday or give us a call at (760) 371-7000 for any questions. Together, let's build a brighter future!

Our Commitment

At Altaone, we understand that banking should be convenient and user-friendly. That's why we offer modern banking options such as online and mobile banking, ensuring that you can manage your finances anytime and anywhere. We also take pride in being an ADA-compliant facility so that all members of our community can access our services comfortably. Our branch features ATM availability for quick cash withdrawals, along with drive-thru banking for those who prefer a more traditional approach. Additionally, we participate in shared service centers, allowing members access to thousands of branches nationwide. While members can visit us at 1450 N Norma St Ridgecrest Ca 93555, official correspondence should be sent to 1450 N Norma St, Ridgecrest, CA 93555 if different from our physical location.

Our Story

From humble beginnings, Altaone has dedicated itself to fostering financial well-being and empowering individuals and families. Over the years, we have expanded our services to include personal banking, auto loans, mortgages, business banking, and more. Our mission is simple yet profound: to provide accessible financial solutions while actively supporting our local community through various outreach efforts. We believe in the power of partnership. By collaborating with local organizations and participating in community events, we strive to uplift our neighbors and create lasting positive impacts in Ridgecrest and beyond. Whether it's providing financial education or supporting local charities, we are committed to making a difference.

Branch Location & Accessibility

Convenient Access and Features

At Altaone, we believe that accessibility is key. Our branch is designed to welcome everyone, featuring ADA-compliant ramps and parking spaces to ensure ease of access for all our members. Whether you're visiting us for personal banking or business services, you'll find that our drive-thru service allows for quick transactions without needing to leave your vehicle. Our operating hours from 9 AM to 5 PM on weekdays fit perfectly into your busy schedule, making it simple to stop by before or after work. Plus, we offer ATM services for those times when you're on the go and need quick access to cash.

Services Tailored For You

We pride ourselves on providing a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage options, our offerings are designed with you in mind. If you're a member of another participating credit union, don't forget about our shared service center capabilities allowing you easy access to essential transactions. While members can visit us at 1450 N Norma St, official correspondence should be sent to the same address as well. If you have any questions or would like more information about our services, feel free to call us at 760-371-7000.

Your Local Financial Partner

At Altaone, we're not just a credit union; we're your local financial partner committed to helping you achieve your goals. We invite you to stop by our Ridgecrest branch today and discover how we can assist you in reaching your financial aspirations. Looking forward to seeing you soon!

Member Eligibility

At Altaone, we believe that becoming a member is like joining a supportive family that's dedicated to your financial well-being. If you're looking to become part of our community, you'll be pleased to know that eligibility is open to anyone who lives, works, worships, or attends school in the area. It's really that simple! We welcome individuals from all walks of life to enjoy the benefits of our personalized services and competitive rates. For more detailed information about eligibility requirements, feel free to check out our resource at http://www.altaone.org/bank-local . Ready to take the next step? Opening an account with us is a breeze! You can easily get started 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 reach out just give us a call at (760) 371-7000. Join us at Altaone, located at 1450 N Norma St Ridgecrest Ca 93555, and experience the difference of being a valued member in our community!

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

Imagine a local café streamlining its payment process with our efficient merchant services. With easy-to-use tools, you can accept payments swiftly, manage transactions effortlessly, and focus on what really matters serving your customers. Visit us at 1450 N Norma St Ridgecrest Ca 93555 or call us at (760) 371-7000 to explore how our tailored business banking solutions can empower your business today!

Comprehensive List Of Services

Business Banking Support

For small business owners, our offerings go beyond just basic banking. We provide tailored business loans and merchant services designed to support your growth and simplify transactions. Whether you're starting out or expanding your operations, our team is here to assist.

Convenience at Your Fingertips

We understand that today's world demands convenience. That's why we offer robust online and mobile banking options so you can manage your accounts anytime, anywhere. With features like ATM services for cash withdrawals, you'll never have to worry about access again. Plus, if you're in need of quick transactions, our drive-thru service allows for easy deposits and withdrawals without leaving your vehicle. You can also take advantage of our basic shared branch transactions if you're a member of a partner credit union making it even easier for you to access funds when needed.

Personal Banking Solutions

Our personal banking options are crafted to help you manage your day-to-day finances effortlessly. From checking and savings accounts that suit every lifestyle, to auto loans and vehicle financing that make purchasing your dream car a reality, we've got you covered. For those looking to buy or refinance a home, our mortgage loans offer competitive rates and flexible terms. If you find yourself needing extra cash for unexpected expenses or want to consolidate debt, our personal loans provide a straightforward solution. Plus, with our credit cards featuring rewards, you can earn while spending on everyday purchases!

Staying Connected

We encourage members to stay connected with us through various digital platforms. Our mobile app allows for seamless banking experiences from the palm of your hand. You can send money easily with our person-to-person payment feature, helping you transfer funds quickly to friends or family. At Altaone, we prioritize your satisfaction and convenience above all else. If you're ready to explore how we can serve you better, give us a call at (760) 371-7000, or visit us in person during our operating hours from 9 AM to 5 PM. Discover all the ways we can help you achieve your financial goals! Explore more about what we offer on our website: Ridgecrest - North. We look forward to welcoming you as part of our community!

Digital & Online Banking

Key Features for Your Convenience

With our 24/7 online banking services, you can check your account balances, transfer funds, and pay bills whenever it suits you. No more rushing to the bank before closing hours! Plus, with our e-statements available, staying organized has never been easier go paperless and access your statements from anywhere. If you're looking to send money quickly, our person-to-person transfer feature is a great way to send funds to friends and family in just a few taps. And if you enjoy using mobile payments, you'll be pleased to know that we support this feature too. Enjoy the freedom of shopping without needing cash or cards.

Security and User-Friendly Experience

Your security is our top priority. While we don't currently offer electronic signature authorization, rest assured that all transactions through our mobile application are secure. Speaking of the app, it's user-friendly and available for download now! With just a few clicks, you can manage your accounts directly from your phone. At Altaone, we aim to provide easy access to real-time account management while ensuring that your information stays safe. Join us today and experience the benefits of modern banking with a personal touch!

Financial Strength

Member-Centric Savings Options

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.

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

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. This solid footing translates into greater peace of mind for you, knowing that your credit union is well-equipped to handle the challenges of the financial landscape. 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. This strength sets us apart from traditional banks, reinforcing our commitment to our members' financial well-being.

Trust Built on Strong Relationships

Total Share and Deposit Accounts: 107,618, show a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $19,987,366, further enhancing our ability to meet your needs now and in the future. 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 1450 N Norma St 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

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. Our team is here to guide you through the process and help you find the right financing solution for your next vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $29,310,515 provide the capital needed to grow and expand. We understand the unique challenges businesses face, and our financial solutions are crafted to support your entrepreneurial spirit. Our services don't just stop at lending; we also provide refinancing options for those looking to lower their payments or consolidate debt. If you're unsure about eligibility, check out our website at http://www.altaone.org/bank-local for more information. For any inquiries or personalized assistance, feel free to reach us at (760) 371-7000. Our friendly staff is ready to help you navigate through your borrowing options. 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 today at 1450 N Norma St Ridgecrest Ca 93555, located in Ridgecrest, CA, and discover how we can support your financial aspirations!

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. We're committed to helping you secure a mortgage that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing daily expenses can sometimes be challenging. 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 are designed to give you the purchasing power you need without putting extra strain on your wallet.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This transparency allows borrowers to make informed choices without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. These standards are based on the latest results (Source: https://www.ncua.gov ), which guarantees fair and transparent offers for consumers. By working only with verified financial institutions, LendMesh provides a reliable platform for users seeking the best loan options. One key benefit of using LendMesh is verified data. All loan offers come from legitimate financial institutions, ensuring that users receive accurate information about their options. Additionally, LendMesh maintains no sponsored listings, meaning it does not prioritize lenders based on paid promotions its goal is to present unbiased results that reflect true market conditions. Another advantage is real-time rate comparisons. Users can view up-to-date loan rates from multiple institutions, allowing them to compare offers easily and efficiently. This feature helps users make more informed decisions about their loans. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *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 - Ridgecrest, CA