Altaone

PO Box 1209, Ridgecrest, CA 93556

NCUA Insured2.9 (53 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1947

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Ridgecrest, CA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1947

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 1209

Ridgecrest, CA 93556

Google Maps 🗺Waze

(760) 371-7000

Service Area

This credit union is located in Ridgecrest and serves members in the CA area. Currently serving 53,057 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

6.24%

Personal Loan

9.50%

Credit Card APR

10.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%

Sunkist Employees— Used Auto Loan

Valencia, CA

2.40%

North Bay— Personal Loan

Santa Rosa, CA

2.33%

Glendale Area Schools— Credit Card APR

Glendale, CA

6.46%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(12 total)

Member Reviews

2.9

53 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Sharon Turnage

a year ago

I have been banking with Alta One Federal credit Union since 2011 in Bishop, CA. I bought a new car and they did the auto loan for me I have always been very happy with them! Well in 2021 I moved out of state and I still have my Alta account as I go back to California. I only wish they had a branch where I live now! Everyone is very nice I highly recommend them!🙂

Ridgecrest Wack

2 years ago

Visited Alta 1 on Friday April 12th, out of 8 clerk desks only 2 were being used. Whoever runs this bank needs to reevaluate how they manage.

Marilyn Davidson

2 years ago

This is not a good place to do your banking. When cashing a check, the teller on 2 different times would not give me my change (coins) she only gave me the $ bills. When I requested my change, she still refused. I closed our account.

ItsNothinNice

4 years ago

Yesterday I went to close my account with Alta one. The lady behind the desk stated that what ever issues they were having before , shouldn’t persist any more because they are under new management. I insisted that i just wanted to close my account and continue my services else where. The teller then purposely inconvenienced me by writing me a check instead of giving me cash to close out my account. I told her I would like the cash and her response was “well I don’t have any”. I can’t cash the check with Alta one because , you guessed it , I don’t have an account with them anymore. So now if I go somewhere else to cash this check, I will be charged a fee to cash it, the amount of money issued on the check will be less than what I would have left with If they gave me cash. This place has always given me the run around when it came to resolving different issues , wounding recommend anyone to bank here.