Business Details
50+ Years
experience
Emergency
services
Your Trusted Credit Union Partner in California
AltaOne Federal Credit Union has served communities for over 75 years, evolving from a small employee-based credit union to one of Southern California's leading financial institutions. Founded in 1947 by naval and civilian employees at China Lake, we expanded our membership criteria to include residents, workers, and businesses across Kern, Inyo, Mono, and northern San Bernardino counties. Certified as a Community Development Financial Institution (CDFI) by the U.S. Department of the Treasury, we focus on reducing financial inequalities through competitive loan rates, educational resources, and community reinvestment. With $950 million in assets and 58,000+ members, our services span personal and business banking, SBA lending, investment planning, and specialized financial solutions.We maintain a relationship-focused approach, operating under the principles of financial education, community development, and member ownership. Our history of mergers and acquisitions, including the 2022 acquisition of Mission Bank's Ridgecrest branch, demonstrates our commitment to expanding access while maintaining personalized service. Through initiatives like the AltaOne Foundation and AltaCares disaster relief program, we actively support local economic development and financial literacy.
Services
Business Checking
SBA Lending
Home Loans
Vehicle Financing
Credit Cards
Investment Services
Financial Education
ATM Network
Mobile Banking
Wealth Management
Details
- Year established: 1947
Highlights and features
- We offer 75+ years of community-focused financial expertise
- Our CDFI certification demonstrates commitment to underserved communities
- Competitive loan rates with personalized financial education resources
- 24/7 digital banking access with 33,000+ surcharge-free ATMs nationwide
- Local decision-making with 14 convenient branch locations
Associations and certifications
- Community Development Financial Institution (CDFI) Fund
What people say
Exceptional member service
Competitive rates
Financial education resources
Community involvement
Personalized approach
Services
Business Checking
We offer tailored business checking solutions including standard, plus, and analysis accounts with tiered features. Our options accommodate businesses of all sizes with features like activity credits, money market access, and specialized services for money service businesses. Competitive rates and fee-offset opportunities help businesses manage cash flow efficiently while maintaining full transactional flexibility.
SBA Lending
Our SBA loan programs provide favorable terms for business expansion, equipment purchases, and working capital. Partnering with the U.S. Small Business Administration, we offer guaranteed loan programs with competitive rates and extended repayment terms. Dedicated relationship managers guide businesses through the application process while maintaining local decision-making authority for faster approvals.
Home Loans
We provide comprehensive home financing options including purchase loans, refinancing, and specialized programs like zero-down mortgages. Our offerings include conventional loans, first-time homebuyer grants, and home equity solutions with personalized rate options. Local underwriting teams work directly with borrowers to find optimal financing structures while maintaining competitive market rates.
Financial Education
Our financial wellness programs deliver resources through articles, webinars, and personalized counseling sessions. Topics cover budgeting, investment basics, debt management, and retirement planning. These educational tools complement our financial products by helping members make informed decisions about savings, borrowing, and long-term wealth building strategies.
Investment Services
Through LPL Financial partnerships, we offer investment planning and portfolio management services. Our solutions include retirement accounts, brokerage services, and customized investment strategies. Certified professionals work with members to develop asset allocation plans that align with individual risk tolerance and financial goals while maintaining access to ongoing portfolio management support.
People
Stephanie Sievers
CEO
Stephanie Sievers leads AltaOne Federal Credit Union with a focus on community development and financial inclusion. She brings extensive industry experience and a commitment to expanding access to financial services across Southern California.
Bob Boland
Former CEO
Bob Boland served as President & CEO from 1991 until 2017, overseeing significant growth and expansion. His leadership established AltaOne's foundation for community-focused financial services and technological innovation.
Questions
What areas does AltaOne Federal Credit Union serve?
We serve Kern, Inyo, Mono, and northern San Bernardino counties in California through 14 branch locations and digital banking platforms.
Can businesses join AltaOne Federal Credit Union?
Yes, businesses operating in our service areas can join. We offer specialized business checking accounts and lending solutions.
What loan programs are available for small businesses?
We provide SBA loans, commercial lending, equipment financing, and business lines of credit with personalized rate options.
How does AltaOne support financial education?
We offer webinars, articles, and counseling sessions covering budgeting, investing, and debt management through our Financial Wellness program.
What digital banking options are available?
Our members access accounts 24/7 through mobile apps, online banking, and a network of 33,000+ surcharge-free ATMs nationwide.
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