AltaOne Federal Credit Union

What their website says about applying

• Apply For a Home Loan by Calling (833) 4-ALTAONE source
• 2 years of Tax Returns & W2s source
• For more information about our business lending or to apply for a business loan, visit your local branch source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• ITIN accepted allows borrowers with Individual Taxpayer Identification Numbers (ITIN) to apply for mortgages in the United States source
• First-time homebuyer program Borrower(s) have not owned a property in the past 3 years. source
• Membership required AltaOne Federal Credit Union membership required. source
• Collateral required Loans are secured by a property lien. source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No explicit service area is stated; home equity loans and business vehicle loans are limited to California on the pages. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
3. What is the APR, including fees, on your auto loans and credit-builder loans?
   Their website does not state an APR. The APR includes fees, so it is the number to compare.
4. What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
   Their website does not state a rate for this.
5. Is there a minimum credit score, and do you consider borrowers with little or no credit history?
   Their website does not say what credit history they accept.
6. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
7. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as ALTAONE (charter 5612). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by AltaOne Federal Credit Union (NCUA charter 5612, filed as “ALTAONE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).

The SBA's public loan data lists 4 SBA-backed approvals for AltaOne Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):

• 4 7(a) loans as the lender: $1.6M in total (gross amount approved), median $202,250

By fiscal year: FY2020 1 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 1 · FY2025 2 · FY2026 0.

How this lender was matched in the SBA files: NCUA charter 5612, found through the RSSD ID in NCUA records (SBA lists “AltaOne FCU”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. AltaOne Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

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