Credit union · NCUA insured
AltaOne Federal Credit Union
A $974M credit union headquartered in Ridgecrest, CA, with 53,583 members and 12 branches in California. Best rates: savings 0.25% APY.
AltaOne Federal Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#14 of 21 in Bakersfield, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About AltaOne Federal Credit Union
AltaOne Federal Credit Union was organized in 1947 in China Lake, California, to offer affordable loans and essential services to military and civilian personnel.
Headquartered in Kern County, California, the credit union adopted the name AltaOne Federal Credit Union in 2000 and is certified as a Community Development Financial Institution.
- Headquarters
- 701 S China Lake Blvd, Ridgecrest, CA 93555-5027
- NCUA charter
- 5612
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Kern, Inyo, Mono, and northern San Bernardino counties are eligible for membership.
Employers and groups
- Businesses in Kern, Inyo, Mono, and northern San Bernardino counties can join.
Branches
12 branches in California
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California
12 branches
Bakersfield area · 10
- CorporateMain office701 S China Lake Blvd, Ridgecrest, CA 93555Directions
- Ming6501 Ming Ave, Bakersfield, CA 93309Directions
- Riverwalk11211 River Run Blvd, Bakersfield, CA 93311Directions
- Boron27055 20 Mule Team Rd, Boron, CA 93516Directions
- Cal City9601 California City Blvd, California City, CA 93505Directions
- Base1115 King Ave, China Lake, CA 93555Directions
- Kernville44 Big Blue Road, Kernville, CA 93238Directions
- Lake Isabella5946 Lake Isabella Blvd, Lake Isabella, CA 93240Directions
- Ridgecrest - North1450 N Norma St, Ridgecrest, CA 93555Directions
- Tehachapi Tucker Road665 Tucker Rd, Tehachapi, CA 93561Directions
Bishop area · 2
- Bishop462 N Main St, Bishop, CA 93514Directions
- Lone Pine111 Mountain View Rd, Lone Pine, CA 93545Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.19% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.70% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.17% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio9.19%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.70%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.17%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of AltaOne Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.