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AltaOne’s eNewsletter, Published Quarterly
WINTER 2025
HOMES LOANS
Home is more than a place, it’s a foundation for family and long-term financial security. At AltaOne, we’re committed to helping you achieve your dream of homeownership or refinancing goals with a variety of loan options. We offer Purchase Financing, Refinances, ITIN Home Loans, along with our Zero Down Purchase Plan—we can help you make your dream a reality.
MEET OUR HOME LOAN TEAM:
Gloria Torres - NMLS 335752
Bakersfield & Tehachapi
¡Hablamos Español!
Gloria has been in the home loan industry for over 25 years. She's been through all the ups and downs of the real estate market, focusing on a personal touch to provide the right loan to each member's specific situation.
Dina Polis-Kennedy - NMLS 723590
Bishop, Boron, California City, Lone Pine & Mammoth Lakes
Dina has worked in the financial services industry for over 40 years. Her goal is to provide every member exceptional service focused on tailoring each loan to fulfill their expectations and financial requirements.
Claudia Aguirre - NMLS 2408356
Kernville, Lake Isabella & Ridgecrest
¡Hablamos Español!
Claudia is dedicated to helping families achieve their dream of homeownership. She takes each member's trust personally and takes pride in helping them reach their goals.
OH, JINGLE BILLS!
HOLIDAY HANGOVER LOAN SPECIAL
Recover from holiday spending with ease. The Holiday Hangover Loan is here to help! With rates as low as 8.00% APR*, amounts from $300 up to $5,000, and terms up to 18 months, you can get your budget back on track. Promotion good until 1/31/2025.
LA WILDFIRE ASSISTANCE
In response to the devastating Los Angeles County Wildfires, AltaOne has activated Its Emergency Member Assistance Program to support those who live or work in the affected areas.
Program Highlights:
Bridge Loans: Members can apply for bridge loans up to $5,000 at reduced rates. Payments are deferred for the first 90 days. These funds can be used for temporary housing, small repairs, insurance deductibles, and other urgent needs.
Loan Assistance: Existing AltaOne loans can receive payment deferment and late fee assistance to reduce financial strain during this challenging time.
Term Share Certificate Withdrawals: Withdraw funds from AltaOne term share certificates with no early withdrawal penalty and return funds at a later date without breaking the term and rate.
Checks, Debit & Credit Cards: To ensure access to your accounts, members can receive free checks and have debit or credit card express ordered at no charge.
Our Priority: Your Safety and Support
If you have been affected by the Los Angeles County Wildfires, your safety is our top priority. For more information or to apply for the Emergency Member Assistance Program, visit any AltaOne branch or call us at (800) 433-9727. More information can also be found on our website at www.altaone.org/la-wildfire-assistance.
ALTAONE’S AUTOSMART
Buying a car should be exciting, not stressful. That's why AltaOne AutoSmart is designed to help you find a better deal with ease. Start today and enjoy a smoother, more satisfying car-buying experience from beginning to end.
With AltaOne AutoSmart, you can:
Search millions of vehicles nationwide – find the perfect car for you, wherever it is!
Build your dream car – customize the car of your dreams in just a few clicks.
Research & Compare – get all the info you need to make the smart choice.
Finance hassle-free – find great financing options directly from AltaOne.
Ready to get started? Head over to altaone.cudlautosmart.com and take the first step toward finding your next ride – stress-free!
COMING SOON
EDUCATION SCHOLARSHIP
APPLICATIONS NOW BEING ACCEPTED
Applications are now being accepted for the AltaOne Foundation’s Digital Scholarship. There’s no essay required to apply, just 2-3 social media reels/videos about financial literacy and AltaOne. Up to six $1,000 scholarships will be awarded to high school students, graduating high school seniors and current college students. Funds can be used for summer academic programs, or college, university or trade school expenses. Applications are due by March 21, 2025. See the website for complete details.
TRUST & WILL
Start the year strong by securing your future with an estate plan.
As a member of AltaOne you can get exclusive savings of 20% off any estate plan with Trust & Will. Get started today!
Trust & Will is the leading Estate Planning platform offering:
Convenient, easy-to-use online platform
Legally binding documents customized to fit your needs
Best-in-class, top-rated member support
Fast estate planning – plans can be completed in 30 minutes
Wills start at just $159 with member discount.
EXCLUSIVE MEMBER DISCOUNTS ON TAX PREP
We’ll Help You Make This Tax Season a Winning One
Tackle taxes and come out on top with exclusive, member-only discounts on tax services that make filing easier. You can save 20% on TurboTax®, whether you file yourself or have an expert file for you. Or you can save up to $25 on in-office tax prep services from H&R Block and have your taxes filed by professionals who can ensure your maximum refund.
TurboTax® - Save 20%
File with confidence that your taxes are done right
Guaranteed maximum refund
Tax experts to help or even file for you
H&R Block – Save up to $25
Biggest refund possible or your money back
Expert help with or without the office visit
H&R Block expert within 5 miles of you
Plus, as a valued member of AltaOne you can enter for a chance to win $10,000 in the Love My Credit Union® Rewards Tax Time Sweepstakes to take your tax return even further. See website for offer details and disclaimers.
CALENDARS NOW AVAILABLE
2025/2026 desk calendars and 2025 sticky calendars are now available at all branch locations. Pick one up, while supplies last!
STAY SECURE: UPDATE YOUR CONTACT INFO TODAY!
The start of a new year is a great time to make sure your accounts are secure by verifying and updating your contact info.
How to Verify & Update Your Contact Info:
•Stop by any AltaOne branch
•Call us at (800) 433-9727
•Update on your own inside AltaOne's Online/Mobile Banking:
1. Log into Online/Mobile Banking
2. Go to the Menu
3. Click on Services
4. Click on Update Address
5. Verify and Update as Needed.
BLOG: FINANCIAL LITERACY RESOLUTIONS FOR THE NEW YEAR
As the new year begins, it's a great time to commit to improving your financial knowledge and habits. Financial literacy is the foundation for making informed decisions about your money, and we’re here to help you succeed. To inspire your journey, we are sharing some financial literacy resolutions to consider for the year ahead.
BLOG: NEW YEAR, NEW SCAMS: PROTECT YOURSELF IN 2025
As the new year begins, it’s the perfect time to refresh our goals, reflect on successes, and prepare for the challenges ahead. Unfortunately, scammers are also stepping up their game with new tactics to target individuals and businesses. We’re committed to keeping you informed and empowered to safeguard your finances.
ALTAONE IN THE NEWS
BadCredit.org: Serving the Underserved to Maximize Credit Union Impact
AltaOne’s Chris Lowe, Director of Marketing & Community Development was recently interviewed by BadCredit.org about the credit union’s efforts to serve underserved communities and improve the inequalities that exist in income, wealth, and access to financial solutions.
CLICK HERE TO READ ARTICLE
KGET TV-17: Holiday Cheer
AltaOne partnered with KGET-TV17 and the Open Door Network to help former residents of the Open Door Network have a much merrier Christmas.
CLICK HERE TO WATCHTehachapi News: Hot Chocolate Turkey Trot
AltaOne sponsored the Tehachapi Valley Recreation & Park District’s annual Hot Chocolate Turkey Trot at Brite Lake. 100’s of runners took on the 5k route around the lake.
CLICK HERE TO READ ARTICLEThe Loop: Kern County Proclaims October 17 as Credit Union Day
In recognition of the significant contributions of local credit unions to the community, the Kern County Board of Supervisors officially proclaimed Thursday, Oct. 17, as "Credit Union Day" in Kern County. This proclamation was presented by Kern County 1st District Supervisor Phillip Peters.
CLICK HERE TO READ ARTICLERidgecrest Daily Independent: AltaOne Donates to Burroughs Softball
AltaOne made a $1,000 donation to the Burroughs High School Lady Burros softball team.
CLICK HERE TO READ ARTICLE
UPCOMING WEBINARS
January 22, 2025 – Pass Down Prosperity
Passing down generational wealth is vital for a strong community, however many barriers keep people caught in a cycle of debt, preventing them from creating a lasting financial legacy.
CLICK HERE TO REGISTERFebruary 12, 2025 – 3 Things You Can Do This Week to Get Your Financial House in Order
Clarity. Control. Confidence. Are these words you think of when you think about your finances? If not, would you like to? Join us to learn 3 simple, actionable steps you can implement to get on track with your financial life immediately.
CLICK HERE TO REGISTER
OBSERVED HOLIDAYS
January 20 - Martin Luther King Jr Day
February 17 - Presidents Day
April 18 - Early Closure at 1 PM
May 26 - Memorial Day
June 19 - Juneteenth
July 4 - Independence Day
September 1 - Labor Day
October 13 - Indigenous Peoples Day
November 11 - Veterans Day
November 27 & 28 - Thanksgiving
December 24 - Christmas Eve, Early Closure at 1 PM
December 25 - Christmas Day
December 31 - New Years Eve, Early Closure at 1 PM
