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AltaOne Federal Credit Union

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AltaOne Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at AltaOne Federal Credit Union?

Current rates for AltaOne Federal Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 3.45%, Savings: 0.05%, MMA: 1.00%

Q: What CD terms does AltaOne Federal Credit Union offer?

AltaOne Federal Credit Union CD rates are 3.40% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.45% APY for a 30 month CD, 3.45% APY for a 3 year CD, 3.51% APY for a 4 year CD and 3.61% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with AltaOne Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

AltaOne Federal Credit Union's Term CD - 60 Month rates are at 3.61%, Term CD - 48 Month rates are at 3.51%, Term CD - 30 Month rates are at 3.45%, Term CD - 36 Month rates are at 3.45%, Term CD - 12 Month rates are at 3.40%. AltaOne Federal Credit Union's savings rates are at 0.05%. AltaOne Federal Credit Union's money market rates are at 1.00%. AltaOne Federal Credit Union's First-Time Buyer Program - Conventional (15 yr) Loan rates are at 6.57%, First-Time Buyer Program - Conventional (20 yr) Loan rates are at 6.78%, First-Time Buyer Program - Conventional (30 yr) Loan rates are at 7.12%. AltaOne Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 9.24%. AltaOne Federal Credit Union's Credit Card Rates are at 10.99%. AltaOne Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of AltaOne Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.36%. Rates last updated and verified on 10/28/2026.

AltaOne Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at AltaOne Federal Credit Union? Share your experience about AltaOne Federal Credit Union by leaving a review below, or read customer reviews before you decide to use AltaOne Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.36%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

AltaOne Federal Credit Union
Corporate

701 S China Lake Blvd
Ridgecrest, CA 93555-5027

https://www.altaone.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

AltaOne Federal Credit Union CD Rates

Product	Rate	APY	Term
Term Share Certificate - 60 Month	3.55%	3.61%	60 Month
Min Balance $250,000 Details Balance: $250,000+; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 48 Month	3.45%	3.51%	48 Month
Min Balance $250,000 Details Balance: $250,000+; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 30 Month	3.40%	3.45%	30 Month
Min Balance $250,000 Details Balance: $250,000+; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 36 Month	3.40%	3.45%	36 Month
Min Balance $250,000 Details Balance: $250,000+; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 60 Month	3.40%	3.45%	60 Month
Min Balance $500 Details Balance: $500-$249,000; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 12 Month	3.35%	3.40%	12 Month
Min Balance $250,000 Details Balance: $250,000+; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 18 Month	3.35%	3.40%	18 Month
Min Balance $250,000 Details Balance: $250,000+; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 24 Month	3.35%	3.40%	24 Month
Min Balance $250,000 Details Balance: $250,000+; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 48 Month	3.30%	3.35%	48 Month
Min Balance $500 Details Balance: $500-$249,000; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 6 Month	3.30%	3.35%	6 Month
Min Balance $250,000 Details Balance: $250,000+; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 30 Month	3.25%	3.30%	30 Month
Min Balance $500 Details Balance: $500-$249,000; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 36 Month	3.25%	3.30%	36 Month
Min Balance $500 Details Balance: $500-$249,000; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 12 Month	3.20%	3.25%	12 Month
Min Balance $500 Details Balance: $500-$249,000; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 18 Month	3.20%	3.25%	18 Month
Min Balance $500 Details Balance: $500-$249,000; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 24 Month	3.20%	3.25%	24 Month
Min Balance $500 Details Balance: $500-$249,000; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Term Share Certificate - 6 Month	3.15%	3.20%	6 Month
Min Balance $500 Details Balance: $500-$249,000; Also available as Traditional, Roth & SEP IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

AltaOne Federal Credit Union Savings Rates

Product	Rate	APY	View More
Regular Share (Savings), Sub Share, and Club Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 +; $5 minimum balance to open and maintain account; Dividends calculated daily, compounded and paid quarterly; variable rate account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

AltaOne Federal Credit Union Money Market Rates

Product	Rate	APY
AltaAdvantage Money Market	1.00%	1.005%
Min Balance $250,000 Details Balance: $250,000 & Over; Must have a balance of $100,000 to open and maintain the account and to obtain the disclosed APY; Dividends calculated daily, compounded and paid monthly; variable rate account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
AltaAdvantage Money Market	0.50%	0.501%
Min Balance $100,000 Details Balance: $100,000 to $249,999; Must have a balance of $100,000 to open and maintain the account and to obtain the disclosed APY; Dividends calculated daily, compounded and paid monthly; variable rate account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Traditional Money Market	0.40%	0.401%
Min Balance $50,000 Details Balance: $50,000 & Over; Must have a balance of $2,500 to open and maintain the account and to obtain the disclosed APY; Dividends calculated daily, compounded and paid monthly; variable rate account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Traditional Money Market	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 to $49,999; Must have a balance of $2,500 to open and maintain the account and to obtain the disclosed APY; Dividends calculated daily, compounded and paid monthly; variable rate account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Traditional Money Market	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 to $24,999; Must have a balance of $2,500 to open and maintain the account and to obtain the disclosed APY; Dividends calculated daily, compounded and paid monthly; variable rate account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Traditional Money Market	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 to $9,999; Must have a balance of $2,500 to open and maintain the account and to obtain the disclosed APY; Dividends calculated daily, compounded and paid monthly; variable rate account Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

AltaOne Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First-Time Buyer Program - Conventional (15 yr) Loan	-	-	6.572%	15 years
Details As Low As; Mortgage APR as low as, effective 5/27/2026; based on $400,000 value, $300,000 loan, 75% LTV, FICO 740; First-time homebuyer program, $0 down, no mortgage insurance Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.57% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
First-Time Buyer Program - Conventional (20 yr) Loan	-	-	6.783%	20 years
Details As Low As; Mortgage APR as low as, effective 5/27/2026; based on $400,000 value, $300,000 loan, 75% LTV, FICO 740; First-time homebuyer program, $0 down, no mortgage insurance Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.78% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
First-Time Buyer Program - Conventional (30 yr) Loan	-	-	7.123%	30 years
Details As Low As; Mortgage APR as low as, effective 5/27/2026; based on $400,000 value, $300,000 loan, 75% LTV, FICO 740; First-time homebuyer program, $0 down, no mortgage insurance Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.25% → 7.12% ▼ 0.13 pts · high 7.25% / low 7.12% Oct 23, 20267.12%▼ from 7.25% Oct 12, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

AltaOne Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.09%	Up to 36 months
Details As Low As; Model Year: 2026 & Newer; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 4.99% → 5.09% ▲ 0.10 pts · high 5.09% / low 4.99% Oct 23, 20265.09%▲ from 4.99% Oct 15, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
New Auto Loans	5.09%	-	5.09%
No additional details. Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 5.09% ▲ 0.60 pts · high 5.09% / low 4.49% Oct 23, 20265.09%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	5.24%	Up to 48 months
Details As Low As; Model Year: 2026 & Newer; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	5.49%	Up to 66 months
Details As Low As; Model Year: 2026 & Newer; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	5.59%	Up to 36 months
Details As Low As; Model Year: 2022-2025 Used; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 4.99% → 5.59% ▲ 0.60 pts · high 5.59% / low 4.99% Oct 23, 20265.59%▲ from 4.99% Oct 15, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	5.74%	Up to 48 months
Details As Low As; Model Year: 2022-2025 Used; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 23, 20265.74%▲ from 5.24% Oct 15, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	5.74%	Up to 66 months
Details As Low As; Model Year: 2022-2025 Used; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Oct 23, 20265.74%▲ from 5.49% Oct 15, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	5.99%	Up to 75 months
Details As Low As; Model Year: 2026 & Newer; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	6.24%	Up to 84 months
Details As Low As; Model Year: 2026 & Newer; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	6.24%	Up to 75 months
Details As Low As; Model Year: 2022-2025 Used; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 23, 20266.24%▲ from 5.99% Oct 15, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	6.49%	Up to 84 months
Details As Low As; Model Year: 2022-2025 Used; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 23, 20266.49%▲ from 6.24% Oct 15, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	6.49%	Up to 66 months
Details As Low As; Model Year: 2017-2021; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 23, 20266.49%▲ from 6.24% Oct 15, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	6.74%	Up to 75 months
Details As Low As; Model Year: 2017-2021; Maximum Financing: Autos up to 130% of Dealer Invoice or Wholesale Value. Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 23, 20266.74%▲ from 6.49% Oct 15, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans	-	-	8.49%	Up to 66 months
Details As Low As; Model Year: 2012-2016; Maximum Financing: Autos up to 115% of Wholesale Value. Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 23, 20268.49%▲ from 8.24% Oct 15, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Off Road Vehicles, Personal Watercraft, Snow Mobile, and Utility Trailer Loans - New	-	-	9.24%	Up to 60 months
Details As Low As; Model Year: New; Maximum Financing: up to 115% of Base MSRP or Retail Value Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Off Road Vehicles, Personal Watercraft, Snow Mobile, and Utility Trailer Loans - Used	-	-	10.24%	Up to 60 months
Details As Low As; Model Year: Used; Maximum Financing: up to 115% of Base MSRP or Retail Value Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Auto Loans - Classic Vehicle	-	-	11.49%	Up to 60 months
Details As Low As; Model Years: Over 15 Years Old; Maximum Financing: Up to 100% of Cash Selling Price or Appraised Value, Including Tax and/or License; Must be classic, collectible or special interest car listed in N.A.D.A.; photos required Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

AltaOne Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - New	-	7.74%	Up to 84 months
Details As Low As; Model Years: New; Maximum Financing: Motorcycle up to 125% of Retail Value. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Motorcycle Loan - 2022-2026	-	7.99%	Up to 72 months
Details As Low As; Model Years: 2022-2026; Maximum Financing: Motorcycle up to 125% of Retail Value. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Boat Loan - New	-	8.24%	Up to 144 months
Details As Low As; Model Years: New; Maximum Financing: up to 115% of Base MSRP or Retail Value. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Motorcycle Loan - 2017-2021	-	8.74%	Up to 60 months
Details As Low As; Model Years: 2017-2021; Maximum Financing: Motorcycle up to 125% of Retail Value. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Recreational Vehicle Loans - RV New	-	9.00%	Up to 240 months
Details As Low As; Model Years: New; Maximum Financing: up to 115% of Base MSRP or Retail Value Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Recreational Vehicles	9.24%	9.24%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Boat Loan - 2022-2025	-	10.24%	Up to 144 months
Details As Low As; Model Years: 2022-2025; Maximum Financing: up to 115% of Base MSRP or Retail Value. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Boat Loan - 2017-2018	-	11.24%	Up to 120 months
Details As Low As; Model Years: 2017-2018; Maximum Financing: up to 115% of Base MSRP or Retail Value. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Boat Loan - 2019-2021	-	11.24%	Up to 144 months
Details As Low As; Model Years: 2019-2021; Maximum Financing: up to 115% of Base MSRP or Retail Value. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

AltaOne Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Rewards - Business	-	10.99%
Details Credit Limit: $500 Minimum up to $50,000 Maximum; Annual Fee: Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Visa Platinum	-	14.99%
Details Published APR range: 14.99% - 17.99%. Credit Limit: $500 Minimum up to $25,000 Maximum; Annual Fee: Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 14.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Visa Platinum Secured	-	17.99%
Details Credit Limit: $300 Minimum; Extended credit is equal to amount deposited with a $300 minimum in $100 increments only; Annual Fee: $30 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

AltaOne Federal Credit Union Personal Loan Rates

Product	APR	Term
Off Road Vehicles, Personal Watercraft, Snow Mobile, and Utility Trailer Loans - New	9.24%	Up to 60 months
Details As Low As; Model Year: New; Maximum Financing: up to 115% of Base MSRP or Retail Value Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Signature/Personal Loans	9.99%	Up to 72 months
Details As Low As; Maximum Financing: $300 Minimum up to $25,000 Maximum Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 10.00% → 9.99% ▼ 0.01 pts · high 10.00% / low 9.99% Oct 8, 20269.99%▼ from 10.00% Sep 14, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Off Road Vehicles, Personal Watercraft, Snow Mobile, and Utility Trailer Loans - Used	10.24%	Up to 60 months
Details As Low As; Model Year: Used; Maximum Financing: up to 115% of Base MSRP or Retail Value Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

AltaOne Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Home Loans	7.123%	-	7.123%
Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.62% → 7.12% ▲ 0.50 pts · high 7.25% / low 6.62% Oct 23, 20267.12%▼ from 7.25% Oct 2, 20267.25%▲ from 7.00% Sep 17, 20267.00%▲ from 6.62% Sep 14, 20266.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%
Traditional, Roth & SEP IRA Accounts	0.15%	-	0.15%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 +; Must have a balance of $100 to open, no minimum balance required to obtain the disclosed APY; dividends declared and paid monthly; variable rate account Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.36%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

AltaOne Federal Credit Union’s Texas Ratio rose from 3.20% in Q3 2023 to 5.36% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$967M	5.36%	5.0	A+
March 31, 2026	$974M	4.51%	5.0	A+
December 31, 2025	$962M	5.75%	5.0	A+
September 30, 2025	$963M	6.07%	5.0	A
June 30, 2025	$952M	5.65%	5.0	A+
March 31, 2025	$946M	5.71%	5.0	A+
December 31, 2024	$933M	5.87%	5.0	A+
September 30, 2024	$932M	5.01%	5.0	A+
June 30, 2024	$845M	4.79%	5.0	A+
March 31, 2024	$827M	4.55%	5.0	A+
December 31, 2023	$824M	7.63%	5.0	A
September 30, 2023	$821M	3.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for AltaOne Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather AltaOne Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with AltaOne Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name AltaOne Federal Credit Union

Website https://www.altaone.org

Address 701 S China Lake Blvd, Ridgecrest, CA 93555-5027

Phone 760-371-7000

Fax

President Norman Alexander

CEO STEPHANIE SIEVERS

Full-Time Employees 179

Part-Time Employees 0

Branch Locations 12

ATM Locations 14

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.36%

Return on Assets (ROA)

0.0834%

Return on Equity (ROE)

0.9071%

Non-Performing Loans Ratio (NPL)

0.70%

Total Assets

967,234,091

Total Amount of Shares and Deposits

872,243,961

Total Shares and Deposits < 1 Year

764,874,103

Total Shares and Deposits 1 3 Years

28,601,703

Total Shares and Deposits > 3 Years

78,768,153

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

112,170,781

Total Uninsured Shares and Deposits > $250K (F+J)

112,653,412

Total Insured Shares and Deposits > $250K (item 17 less item K)

759,590,549

Total Interest Expense (Sum of items 6 8)

6,840,635

Share Certificates

4,200

Number of Accounts for Share Drafts

30,617

IRA KEOGH Accounts

1,334

Number of Accounts for Regular Shares

63,877

All other shares

7,534

Non Member Deposits

Money Market Shares

1,253

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

74,010,576

Total Liabilities

904,867,191

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

AltaOne Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About AltaOne Federal Credit Union

Does AltaOne Federal Credit Union offer CDs?

Yes. AltaOne Federal Credit Union current CD rates include its Term CD - 60 Month at 3.61% APY, its Term CD - 48 Month at 3.51% APY and its Term CD - 30 Month at 3.45% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from AltaOne Federal Credit Union NCUA insured?

Yes. AltaOne Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at AltaOne Federal Credit Union?

The highest AltaOne Federal Credit Union CD rate is its Term CD - 60 Month at 3.61% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does AltaOne Federal Credit Union offer?

AltaOne Federal Credit Union CD rates are 3.40% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.45% APY for a 30 month CD, 3.45% APY for a 3 year CD, 3.51% APY for a 4 year CD and 3.61% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with AltaOne Federal Credit Union for its full lineup.

What is the highest savings rate at AltaOne Federal Credit Union?

The highest AltaOne Federal Credit Union savings rate is its Regular Share (Savings), Sub Share, and Club Accounts at 0.05% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at AltaOne Federal Credit Union?

The highest AltaOne Federal Credit Union money market rate is its AltaAdvantage Money Market at 1.005% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest mortgage rate at AltaOne Federal Credit Union?

The lowest AltaOne Federal Credit Union mortgage rate is its First-Time Buyer Program - Conventional (15 yr) Loan at 6.572% APR, verified by MonitorBankRates as of October 28, 2026. AltaOne Federal Credit Union mortgage rates are 7.123% APR for a 30 year mortgage, 6.783% APR for a 20 year mortgage and 6.572% APR for a 15 year mortgage.

What is the lowest auto loan rate at AltaOne Federal Credit Union?

The lowest AltaOne Federal Credit Union auto loan rate is its Auto Loans at 5.09% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at AltaOne Federal Credit Union?

The lowest AltaOne Federal Credit Union personal loan rate is its Off Road Vehicles, Personal Watercraft, Snow Mobile, and Utility Trailer Loans - New at 9.24% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at AltaOne Federal Credit Union?

The lowest AltaOne Federal Credit Union credit card APR is its Visa Platinum Rewards - Business Credit Card at 10.99% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does AltaOne Federal Credit Union operate?

AltaOne Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join AltaOne Federal Credit Union?

Yes, to access services at AltaOne Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, AltaOne Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, AltaOne Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does AltaOne Federal Credit Union offer online and mobile banking?

Most modern institutions like AltaOne Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.altaone.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do AltaOne Federal Credit Union rates compare?

AltaOne Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. AltaOne Federal Credit Union's top rates are its Term CD - 60 Month at 3.61% APY, its Regular Share (Savings), Sub Share, and Club Accounts at 0.05% APY, its AltaAdvantage Money Market at 1.005% APY, its First-Time Buyer Program - Conventional (15 yr) Loan at 6.572%, its Off Road Vehicles, Personal Watercraft, Snow Mobile, and Utility Trailer Loans - New at 9.24% APR and its Visa Platinum Rewards - Business Credit Card at 10.99% APR, verified by MonitorBankRates on October 28, 2026.

Current AltaOne Federal Credit Union Rates

12-Month CD3.25%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD3.45%
Savings0.05%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

AltaOne Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

AltaOne Federal Credit Union Texas Ratio

AltaOne Federal Credit Union Health Trend

AltaOne Federal Credit Union CD Rates

AltaOne Federal Credit Union Savings Rates

AltaOne Federal Credit Union Money Market Rates

AltaOne Federal Credit Union Mortgage Rates

AltaOne Federal Credit Union Auto Loan Rates

AltaOne Federal Credit Union RV, Boat and Powersport Loan Rates

AltaOne Federal Credit Union Credit Card Rates

AltaOne Federal Credit Union Personal Loan Rates

AltaOne Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

AltaOne Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About AltaOne Federal Credit Union

Does AltaOne Federal Credit Union offer CDs?

Are CDs from AltaOne Federal Credit Union NCUA insured?

What is the highest CD rate at AltaOne Federal Credit Union?

What CD terms does AltaOne Federal Credit Union offer?

What is the highest savings rate at AltaOne Federal Credit Union?

What is the highest money market rate at AltaOne Federal Credit Union?

What is the lowest mortgage rate at AltaOne Federal Credit Union?

What is the lowest auto loan rate at AltaOne Federal Credit Union?

What is the lowest personal loan rate at AltaOne Federal Credit Union?

What is the lowest credit card APR at AltaOne Federal Credit Union?

How many branches does AltaOne Federal Credit Union operate?

Is a member application needed to join AltaOne Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does AltaOne Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do AltaOne Federal Credit Union rates compare?

Current AltaOne Federal Credit Union Rates

Compare to Other Credit Unions