Credit union · NCUA insured
AltaOne Federal Credit Union Savings Rates
AltaOne Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Traditional Money Market. Rates checked October 6, 2026.
How AltaOne Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Bakersfield, CA, where AltaOne Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AltaOne Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Traditional Money Market
Top rate
Edwards Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $350
2nd-highest rate
Valley Strong Credit Union
3.25%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $325
AltaOne Federal Credit Union savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where AltaOne Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
AltaAdvantage Money Market
Up to 1.01%APY
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. Maximum funding limit of up to $10,000 combined (including savings and checking deposits) when opening online; debit/credit card max $300, ACH max $10,000. AltaAdvantage Excess Withdrawal fee is $25.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 – $249,999Must 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. | 0.50% | — | 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. |
| $250,000 and upMust 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. | 1.01% | — | 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. |
Sources (4)
- altaone.org/personal
- altaone.org/personal-banking
- altaone.org/rates
- altaone.org/s/Personal_Schedul…AndCharges_22SEP2026.pdf
All captured Oct 6, 2026
Traditional Money Market
0.25%APY
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. Maximum funding limit of up to $10,000 combined (including savings and checking deposits) when opening online; debit/credit card max $300, ACH max $10,000. Transfers/withdrawals limited to a combined total of six (6) transactions per calendar month under Regulation D.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Must 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. | 0.20% | — | 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. |
| $10,000 – $249,999Must 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. | 0.25% | $25 | 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. |
| $25,000 – $49,999Must 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. | 0.30% | — | 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. |
| $50,000 and upMust 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. | 0.40% | — | 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. |
Sources (4)
All captured Oct 6, 2026
Regular Share (Savings)
0.05%APY
Membership eligibility applies (live, work, worship, or attend school in Kern, Inyo, and Mono counties and selected communities in northern San Bernardino County, or immediate family member of an AltaOne member). $5 minimum balance to open and maintain account. Dividends calculated daily, compounded and paid quarterly. Variable rate account. Max monthly transfer/withdrawal limits apply per Regulation D.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Variable rate account; dividends calculated daily, compounded and paid quarterly. $5 minimum balance to open and maintain account.Over $0 | 0.05% | $5 | Variable rate account; dividends calculated daily, compounded and paid quarterly. $5 minimum balance to open and maintain account. |
Sources (3)
All captured Oct 6, 2026
Sub Share
0.05%APY
Variable rate account; dividends calculated daily, compounded and paid quarterly. $5 minimum balance to open and maintain account. Max monthly transfer/withdrawal limits apply per Regulation D.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Variable rate account; dividends calculated daily, compounded and paid quarterly. $5 minimum balance to open and maintain account.Over $0 | 0.05% | $5 | Variable rate account; dividends calculated daily, compounded and paid quarterly. $5 minimum balance to open and maintain account. |
Sources (1)
- altaone.org/rates · captured Oct 6, 2026
Special-purpose accounts
Traditional, Roth & SEP IRA Accounts
0.15%APY
Traditional, Roth & SEP IRA Accounts. Variable rate account; rate and APY subject to change after opening. Must have a balance of $100 to open, no minimum balance required to obtain disclosed APY. Dividends declared and paid monthly. $15 annual maintenance fee applies to all IRAs opened prior to June 1. $20 IRA transfer fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must have a balance of $100 to open; no minimum balance required to obtain disclosed APY. Dividends declared monthly and paid monthly. Variable rate account. $15 yearly maintenance fee applied to all IRAs opened prior to June 1.Over $0 | 0.15% | $15 | Must have a balance of $100 to open; no minimum balance required to obtain disclosed APY. Dividends declared monthly and paid monthly. Variable rate account. $15 yearly maintenance fee applied to all IRAs opened prior to June 1. |
Sources (3)
- altaone.org/personal-banking
- altaone.org/rates
- altaone.org/s/Personal_Schedul…AndCharges_22SEP2026.pdf
All captured Oct 6, 2026
Club Accounts
0.05%APY
Variable rate account; dividends calculated daily, compounded and paid quarterly. $5 minimum balance to open and maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Variable rate account; dividends calculated daily, compounded and paid quarterly. $5 minimum balance to open and maintain account.Over $0 | 0.05% | $5 | Variable rate account; dividends calculated daily, compounded and paid quarterly. $5 minimum balance to open and maintain account. |
Sources (1)
- altaone.org/rates · captured Oct 6, 2026
Who can join AltaOne Federal Credit Union
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.
Membership information collected October 5, 2026.