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gET THE CASH YOU NEED THIS HOLIDAY SEASON!

  • Rates as low at 8.00% APR*

  • Amounts from $300 up to $5,000

  • Terms up to 18 months

Promotion good until January 31, 2025.

Promotion good until 1/31/2025. Rates are as low as 8.00% APR. There is a minimum loan amount of $300, a maximum loan amount of $5,000, and terms up to 18-months. Your rate may differ based on your credit worthiness. Estimated payment for $5,000 for 18-months at 8.00% APR is $295.72. Other terms and rates are available. All loans subject to credit approval. This promotion is not valid on in-house refinances or loan modifications. Membership is required. Other restrictions may apply.

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Bank

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Borrow

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Save

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Simplify

 

 and no payments for up to 90 days!

Drive away with more when you finance your auto loan with AltaOne! For a limited time, we're offering up to $500* cash back when you purchase or refinance your vehicle through us.
Plus, enjoy peace of mind with no payments for up to 90 days.**
Don't miss out on this special offer—visit us today to get started!

Auto Loan Promotion begins on Sunday, September 1, 2024. This promotion may end at any time, with or without notice.
For a limited time only. Offer good on auto purchases or refinances. Auto loans already financed by AltaOne, and business loans are excluded. Promotion can end at any time, with or without notice. All Credit Union loan programs, rates, terms, and conditions are subject to change without notice. Model years 2015 and newer. Your rate may differ based on your individual credit worthiness, age of vehicle and term. Credit approval required. Minimum credit scores required; some exclusions apply.
*Cash Back Bonus: 1% of the amount financed up to a maximum of $500. Cash Back Bonus will be deposited into your AltaOne account within 30 days of loan funding. If the new loan is paid off within 6 months, the cash back bonus will be added to the payoff amount of the loan. 1% Incentive is considered a bonus and may be reported on IRS Form 1099.
**No payments for up to 90 days: You must notify AltaOne of your desired payment start date at the time of loan closing. Your payment date must be within 90 days of the loan funding. Interest accrues from the day of funding.
Other restrictions may apply. Ask for additional details.


 

SWIPE TO WIN A 5 DAY/4 NIGHT CRUISE FOR TWO!

The holidays are here, and while you’re taking care of gifts for others, we’re giving you the chance to Swipe & Win a gift for yourself!

HOW TO ENTER:

It’s simple! Every time you use your AltaOne Platinum Visa, you’ll be automatically entered for a chance to win:

  • Five (5) Lucky Winners will each receive $100 cash,

  • One (1) Grand Prize Winner will set sail on a luxurious 5-day cruise for two along with $500 in spending cash.

HERE’S HOW IT WORKS:

  • Now through December 31, use your AltaOne Platinum Visa for all your purchases.

  • Each transaction is an entry to WIN!

  • The more you use your card, the better your chances to WIN!

Don’t miss out!

Now through December 31, swipe your card as much as possible to maximize your chances to win! Terms & Conditions apply.

No purchase necessary to enter or win. Must be 18 years or older to participate. Entries must be received by 11:59 pm, 12/31/2024. Prizes are subject to availability and may vary. Void where prohibited. For full terms and conditions, including how to enter and eligibility requirements. Terms & Conditions are below. Odds of winning depend on the number of entries received.

 

2024 Holiday ‘Swipe to Win’ Sweepstakes Official Rules
NO PURCHASE NECESSARY TO ENTER OR WIN

1. Sponsor: The Sponsor of the Holiday ‘Swipe to Win’ Sweepstakes is AltaOne Federal Credit Union (“the Credit Union, “AltaOne”, “the Sponsor”), 701 S. China Lake Blvd. Ridgecrest, CA 93555
2. Eligibility: The Holiday ‘Swipe to Win’ Sweepstakes (the "Sweepstakes") is open to any AltaOne Federal Credit Union member who is at least 18+ years old at the time of entry. The sweepstakes is open to the legal residents of the United States and is void where prohibited by law. Employees and Volunteers of AltaOne (the "Sponsor"), its respective affiliates, subsidiaries, advertising and promotion agencies, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the Sweepstakes. The Sweepstakes is subject to all applicable federal, state and local laws and regulations. Void where prohibited. Purchases made by cardholders who are in default under the member agreement are not eligible to earn entries.
3. Agreement to Official Rules: By participating, you agree to be fully and unconditionally bound by these Rules, and you represent and warrant that you meet the eligibility requirements set forth herein. In addition, you agree to accept the decisions of AltaOne Federal Credit Union as final and binding. The Sweepstakes is subject to all applicable federal, state and local laws.
4. Sweepstakes Period: Entries will be accepted starting on November 25, 2024 at 12:00 AM and ending December 31, 2024 at 11:59 PM. All online entries must be received by December 31, 2024 at 11:59 PM. All times are Pacific Time. Activities performed or entries received prior to or after the Sweepstakes Period are not eligible.
5. How to Enter: Entries will be awarded as follows: One (1) entry for each signature purchase using your AltaOne Platinum Visa credit card . Certain restrictions may apply. In the event of a dispute as to who submitted a particular cardholder entry, such an entry will be deemed to be submitted by the person whose name is on the card used to make the qualifying purchase. Account adjustment transactions, returns, cash advances, balance transfers, ATM transactions, payment of late fees or over-limit fees are not eligible. Additionally, credit cards or card numbers that are stolen, fraudulent, tampered with, or otherwise altered are not eligible. Transactions/activities must be made during the Sweepstakes Period to be eligible. The Sponsor is not responsible for entries that are lost, misdirected, delayed, destroyed, deleted, erased, stolen, or unreadable. Entries by ineligible persons, fraudulent entries, or entries created in error will be disqualified and an alternate entry selected. AltaOne reserves the right to void or reverse the awarding of any prizes obtained erroneously, fraudulently, or illegally, and to seek appropriate remedies to recover any prizes. 
6. Alternate Entry: Mail a 3x5 postcard (the “Mail-In Entry”) with the words “AltaOne Holiday ‘Swipe to Win’ Sweepstakes, plus your name, complete address, email address and phone number to the following address to receive one (1) entry into the Sweepstakes: AltaOne Federal Credit Union, Holiday ‘Swipe to Win’ Sweepstakes, 701 S. China Lake Blvd. Ridgecrest, CA 93555. Entry must fulfill all sweepstakes requirements, as specified, to be eligible to win a prize. Entries that are not complete or do not adhere to the rules or specifications may be disqualified at the sole discretion of AltaOne. Mail-in entries must be received by AltaOne Federal Credit Union by December 31, 2024.  Proof of mailing does not constitute proof of delivery. The Credit Union is not responsible for lost, late, incomplete, misdirected, damaged, postage-due, or illegible entries or mail. Alternate entries are limited to one per person. Mechanically reproduced entries will not be accepted. Once submitted, entries become the sole property of the Credit Union and will not be acknowledged or returned. Each mail-in entry will be entered into the Sweepstakes drawing for the week the postcard is received. 
7. Prizes: Prizes will be awarded as follows: Five (5) individuals will win $100 cash or gift cards. A winner will be drawn randomly on Monday, December 2nd, 9th, 16th, 23rd and 30th. One (1) Grand Prize- 5 Day/4 Night Luxury Cruise Vacation for Two, to Mexico, the Bahamas, or the Western Caribbean and $500 spending cash. Winner will be drawn randomly on Thursday, January 2, 2025. Prize winners will be notified by email and/or phone. They will receive their prizes deposited to their AltaOne savings or checking account. If the winner does not have an AltaOne savings or checking account, alternate arrangements will be made to deliver the prize. The Grand Prize winner will collect the cruise certificate at an AltaOne branch or receive it in the mail. You are not guaranteed to win a prize, and your chance of winning is dependent on the total number of eligible entries received. No prize substitutions permitted except at Sponsor's discretion. Any and all prize related expenses, including without limitation any and all federal, state, and local taxes shall be the sole responsibility of the winner. The Sponsor will report all prize winnings to the appropriate state and federal agencies as required by applicable law. Any costs not specifically identified herein are the responsibility of the prize winner. Acceptance of prize constitutes permission for AltaOne to use winner's name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law. Winners will be selected by AltaOne, whose decision is final. Allow up to fourteen (14) business days for prizes to be fulfilled.
8. Odds: The odds of winning depend on the number of eligible entries received.
9. Winner selection and notification: Winners of the Sweepstakes will be selected in weekly random drawings under the supervision of the Sponsor during the Sweepstakes. Weekly winning entries will be selected weekly from all eligible entries received during the previous week. Each entry is eligible for only one weekly drawing. An individual may not win more than one prize. Members and persons in the same household may not win more than one Prize. Winners will be notified via e-mail at the e-mail address or phone number on record at the Credit Union within five (5) days following selection of the winner. AltaOne Federal Credit Union shall have no liability for a winner's failure to receive notices due to winners' spam, junk e-mail or other security settings, or for winners' provision of incorrect or otherwise non-functioning contact information. If the selected winner cannot be contacted, is ineligible, fails to claim the prize within 15 days from the time award notification was sent, or fails to timely return a completed and executed declaration and releases as required, prize may be forfeited and an alternate winner selected. Receipt of prizes offered in this Sweepstakes is conditioned upon compliance with any and all applicable federal and state laws and regulations. Winner will be required to sign and return, within seven (7) days of notification, an Affidavit of Eligibility, a Liability Waiver, a W-9 Form and where allowable, a Publicity Release (collectively, "the Releases"). The Releases will require the winner to furnish his/her Social Security Number for the sole purpose of tax reporting, as required by law. Noncompliance will result in disqualification and an alternate winner may be selected. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT SPONSOR'S SOLE DISCRETION) WILL RESULT IN SUCH WINNER'S DISQUALIFICATION AS A WINNER OF THE SWEEPSTAKES AND ALL PRIVILEGES AS A WINNER WILL BE IMMEDIATELY TERMINATED.
10. Rights Granted by you: By accepting a prize, you grant to the Sponsor and each of its respective designees the right to publicize your name, city and state of residence, prize information, photograph, voice, statements, testimonials, biographical information, and/or other likeness for advertising, publicity, promotional, trade, and any other purpose, in any media or format now known or hereafter devised, throughout the world, in perpetuity, without limitation and without further compensation, consideration, review, consent, permission or notification, unless prohibited by law.
11. Terms: AltaOne Federal Credit Union reserves the right in its sole discretion to cancel, terminate, modify or suspend the Sweepstakes should (in its sole discretion) a virus, bugs, non-authorized human intervention, fraud or other causes beyond its control corrupt or affect the administration, security, fairness or proper conduct of the Sweepstakes. In such case, AltaOne may select the recipients from all eligible entries received prior to and/or after (if appropriate) the action taken by AltaOne Federal Credit Union. AltaOne reserves the right at its sole discretion to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Sweepstakes or website or violates these Terms & Conditions.  AltaOne has the right, in its sole discretion, to maintain the integrity of the Sweepstakes, to void entries for any reason, including, but not limited to: credit card transactions intended to manipulate the Sweepstakes; fraudulent or unauthorized card transactions; abuse or misuse of software, equipment or cards in order to create entries; or the use of bots, macros or scripts or other technical means for entering. Any attempt by an entrant to deliberately damage any web site or undermine the legitimate operation of the sweepstakes may be a violation of criminal and civil laws and should such an attempt be made, AltaOne reserves the right to seek damages from any such person to the fullest extent permitted by law.  By entering the Sweepstakes you agree to receive email periodically from AltaOne. You can opt-out of receiving this communication at any time by clicking the unsubscribe link in the email. The Sponsor reserves the right to add, delete, or revise the Official Rules as necessary without notice. The Credit Union is not responsible for printing errors or omissions. These rules supersede any published advertising.  The Sponsor is not responsible for any error or malfunction of any telephone, computer network, or other system or equipment, or for any human error, which prevents an entry from being created, maintained, or received during the Sweepstakes Period. The Credit Union is not responsible for any incorrect or inaccurate information, regardless of the cause or intent. 
12. Limitation of Liability: By entering you agree to release and hold harmless AltaOne Federal Credit Union and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers and directors from any liability, illness, injury, death, loss, litigation, claim or damage that may occur, directly or indirectly, whether caused by negligence or not, from (i) such entrant's participation in the sweepstakes and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof, (ii) technical failures of any kind, including but not limited to the malfunctioning of any computer, cable, network, hardware or software; (iii) the unavailability or inaccessibility of any transmissions or telephone or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error which may occur in the administration of the Promotion or the processing of entries.
13. Disputes: THIS SWEEPSTAKES IS GOVERNED BY THE LAWS OF THE UNITED STATES AND THE STATE OF CALIFORNIA, WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this Sweepstakes, participants agree that any and all disputes which cannot be resolved between the parties and causes of action arising out of or connected with this Sweepstakes, shall be resolved individually, without resort to any form of class action, exclusively before a court located in California having jurisdiction. Further, in any such dispute, under no circumstances will participant be permitted to obtain awards for, and hereby waives all rights to claim punitive, incidental, or consequential damages, including reasonable attorneys' fees, other than participant's actual out-of-pocket expenses (i.e. costs associated with entering this Sweepstakes), and participant further waives all rights to have damages multiplied or increased.
14. Privacy Policy: Information submitted with an entry is subject to the Privacy Policy stated on the AltaOne Federal Credit Union Web Site. Read the Privacy Policy here www.altaone.org/disclosures.
15. Winners List: For the names of the winners, please contact us at Marketing@altaone.net and in the body of the email type 'Please e-mail me the winners list for the AltaOne Federal Credit Union Holiday ‘Swipe to Win’ Sweepstakes.
16. Endorsements: This promotion is in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter, YouTube, Pinterest, LinkedIn or Google. You understand that you are providing your information to AltaOne Federal Credit Union, the owner of this sweepstakes and not to Facebook, Twitter, YouTube, Pinterest, LinkedIn or Google.
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