eNEWSLETTER

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AltaOne’s eNewsletter, Published Quarterly

WINTER 2024

WE’VE LOWERED FEES!

Here’s some news you don’t see every day: New Lower Fees!

That’s right! Effective February 1, 2024. We are lowering and even eliminating some fees on quite a few of our services. Here’s just a couple: NSF/OD fee was $30 and is now $17; the Incoming Wire Transfer fee has been eliminated; it was $10.

Click to view the Schedule of Fees and Services

ZIP! ZERO! ZILCH!

Save money while paying no interest for 6 months* on Visa balance transfers.

0% APR* for 6 statement cycles on transferred balances
Low 4% balance transfer fee.
Easy to apply.
Low monthly APR* on purchases.

Click here to take advantage of this offer

ALTAONE FOUNDATION DIGITAL SCHOLARSHIP

NO ESSAY REQUIRED!

For those who will attend a College, University, or Trade School

The AltaOne Foundation is proud to announce the 2024 Digital Scholarship Program, an initiative designed to support the educational aspirations of AltaOne Federal Credit Union’s younger members. The scholarship is open to graduating high school seniors who are members of AltaOne Federal Credit Union, and attend high schools in Kern, Inyo, Mono, and northern San Bernardino counties. The scholarship offers a unique opportunity for students to combine their creative talents with their educational goals.

This year, the foundation will award up to six scholarships, each valued at $1,000. These scholarships aim to ease the financial burden of higher education for deserving students. To be eligible, applicants must be members in good standing with AltaOne Federal Credit Union and plan to attend an accredited college, university, or trade school for the 2024-2025 academic year.

The application process for the Digital Scholarship requires a unique approach. Applicants are asked to create and submit digital media content that promotes AltaOne Federal Credit Union. This creative requirement allows students to showcase their digital skills and creativity, making the scholarship application both challenging and engaging. Deadline to apply is Friday, March 15, 2024.

Click here for more information.

MATCH OR BEAT YOUR RATE HOME LOAN

Anytime is a great time to buy a home with our Match or Beat Your Rate Home Loan for purchases and refinances. Terms & Conditions Apply.

Click here for more information.

Holiday Club Savings Account

Our Holiday Club Account is a unique way to save specifically for holiday gifts, vacations, and more. It’s not just an account, it’s your partner in planning for the most wonderful time of the year.

Funds Just in Time for the Festivities Access your savings easily! Funds are available the first week of November each year, and automatically deposited right into your designated account.
No Stress with No Minimums No minimum opening amount or minimum balance required—no pressure.
Focused Savings Stay on track with your savings goals. Withdrawals or transfers are restricted to ensure your funds are safe and sound until the first week of November.
Earn Dividends on Every Penny Every balance earns dividends. Just ensure the primary member has a Social Security Number. Refer to our Savings Rate Sheet for current rates. Dividends are calculated daily and paid quarterly.
Maximize Savings with Payroll Deduction & Direct Deposit Make regular contributions effortlessly through payroll deduction or direct deposit. Saving has never been this convenient!

Call us or visit your nearby branch to open a Holiday Club Savings Account and make every cent count for the holidays!

BLOG: NEW YEAR, NEW SCAMS

As the calendar flips to another year, we often find ourselves making resolutions, seeking new beginnings, and embracing fresh starts. Unfortunately, this time of renewal is also a golden opportunity for scammers to unleash new tactics and traps. In this digital era, financial scams have become increasingly sophisticated, making it crucial for individuals to stay alert and informed. Let’s dive into the evolving landscape of financial scams in the new year and explore ways to protect ourselves.

Click here to read more.

FRAUD ALERT CENTER

Keep informed on the latest scams and fraud by visiting our Fraud Alert Center.

VOTE FOR ALTAONE IN THE BAKERSFIELD CALIFORNIAN BEST OF KERN READERS CHOICE POLL

We love our members and would love for you to vote for us as the Best Financial Institution, Best Mortgage Company, and Best Locally Owned Employer in the 2024 Best of Kern.

CAN YOU FINANCE YOUR NEW RIDE?

New Online Course to help you prepare to buy a car.

Looking for that new ride? Our partner, the trusted national nonprofit GreenPath Financial Wellness, is ready to help so you can avoid any “bumps in the road” when it comes to financing. Based on empathetic, caring financial know-how, a free online course “Navigating Auto Loans” helps you get options to make your new car purchase a reality. Take the free online course to feel confident about auto financing.

Get your free auto loan course here.

WHEREVER YOU GO, THERE WE ARE

No matter where you travel, AltaOne is there! We are part of the Co-op ATM and Shared Branch network with over 33,000 ATMs and 5,300 branches. To find the location nearest you, visit click here.

UPCOMING EVENTS

February 28: Webinar: Understand Your Money Personality
10 AM to 10:45 AM, Online
►Cli ck here for more information.

March 27: Webinar: Steps to Financial Freedom
11 AM to 12 PM, Online
►Cli ck here for more information.

April 19: AltaOne Federal Credit Union Annual Meeting
6 PM, Kerr McGee Center, 100 W. California Ave., Ridgecrest, CA 93555
►Click here for more information.

April 19: AltaOne Foundation Casino Night
7 PM, Kerr McGee Center, 100 W. California Ave., Ridgecrest, CA 93555
►Cli ck here for more information.

April 26: Kern County Career & STEM Expo
8:30 AM to 1 PM, CTEC, 7301 Old River Rd., Bakersfield, CA 93311
►Cli ck here for more information.

OBSERVED HOLIDAYS

February 19: Presidents Day, Closed

March 29: Good Friday, Close at 1 PM

May 27: Memorial Day, Closed

AltaOne Federal Credit Union's mission is to improve the inequalities
that exist in income, wealth, and access to financial solutions.

FALL 2023

SBA Lending & Mixers

At AltaOne, we're committed to supporting local businesses in achieving their goals. Our SBA lending program is designed to help you secure the funding you need for your business ventures, whether you're starting, expanding, or just need a boost. With competitive rates and flexible terms, we've got you covered.

Why Choose AltaOne for SBA Lending?

Personalized service from our dedicated SBA experts.
Competitive rates and flexible repayment options.
Quick and hassle-free application process.
Local decision-making for faster approvals.

Upcoming SBA Lending Mixers in Ridgecrest and Bakersfield:

Join us for an evening of networking and knowledge-sharing at our upcoming SBA Lending Mixers. These events are perfect for business owners, entrepreneurs, and anyone interested in exploring SBA lending options.

Our mixers are an excellent opportunity to:

Connect with local business owners and entrepreneurs.
Learn more about AltaOne's SBA lending programs.
Get answers to your SBA lending questions from our experts.
Enjoy light refreshments and a friendly atmosphere.

Don't miss out on these informative and engaging events! To RSVP or for more information, call us at (800) 433-9727 or email us at SBALoans@AltaOne.net.

Credit Card Updates

New Look Coming to Credit Card Statements & Website

Image of computer screens showing new statements and online site. Title to image says "New look coming to credit card statements and credit card website.

AltaOne’s Credit Card Statements and Credit Card Website will be updated with a new look on Tuesday, October 10, 2023.

To ensure a seamless transition, you will not be able to access your credit card information starting at 3pm, Thursday, October 5, 2023, until early Tuesday, October 10, 2023. Payments to your Credit Card during this time will be credited on Tuesday, October 10, 2023. Please plan accordingly.

Personal Credit Cards: When you log in on Tuesday, October 10, 2023, you will be redirected to a new credit card page. Here, you’ll be able to view and access your credit card statement and activity.

Business Credit Cards: Card holders will receive an email link to register for the new site. The new business site will let you manage multiple business credit cards attached to the same account.

Click here for more information.

Co-Op Shared Branches & ATMS

Take us everywhere you go

Did you know that AltaOne is part of the Co-Op Shared Branching and Co-Op ATM network? This means you have convenient access to your accounts at thousands of credit unions and ATMs nationwide, making managing your finances easier than ever. Whether you're traveling, relocating, or simply need quick access to your funds, you can count on the Co-Op network to provide friendly service wherever you go. Your financial well-being is our priority, and we're here to ensure your banking experience is seamless and stress-free.

To find the nearest branch, click here.

New Blog Post:

Jugging: Tips to Guard Your Finances

picture of thief looking around corner of brick wall

You might have seen recent news media reports about an increase in “jugging” and might be wondering what the heck it is.

Jugging is a term used to describe a criminal activity where thieves lurk around financial institutions, to target individuals who've just made large cash withdrawals or deposits. These criminals watch and wait for an opportunity to strike, typically after spotting someone leaving a with a significant amount of cash.

Read the latest blog here.