Whether you’re saving for retirement, buying a home, or paying bills, we offer a variety of personal banking products and services to make your day-to-day life easier and your future brighter.

Free Checking

It’s as easy as 1-2-FREE!
Our Free Checking account has no monthly service fee, no required minimum balances or transactions, and comes with tons of free services and discounts. You can make payments easily with a Visa ATM/Debit Card, through Mobile Banking, electronically or even with paper checks. You can also deposit easily with direct deposit, mobile, ATM, and at any AltaOne or Co-op shared branch. Add our Courtesy Pay Overdraft Protection for extra security.

Savings Accounts

A Savings Account, also called a Share Account, is the cornerstone of membership in AltaOne. They provide a competitive rate of interest that can help you save up for vacations and large purchases or to have funds in case of an emergency.

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!

Online & Mobile Banking

Stay in touch with your money, and access your accounts from anywhere you connect using your web browser, text messaging (SMS), or AltaOne’s Mobile App. Message and data rates may apply. Bill Pay can save you time and money by paying your bills electronically. eStatements give you easy access to your account statements when you need them.

Money Market Accounts

Our Traditional and Money Market Accounts earn a higher rate of interest than a Savings Account and provide more access flexibility than a Savings Account.

Term Share Certificates

A Term Share Certificate (also known as a Certificate of Deposit or CD) is a great way to earn a guaranteed rate. You have the flexibility to choose the amount of time you would like to let it grow. We offer several term lengths, so you can choose when you want to cash out.

IRAs-Individual Retirement Accounts

Individual Retirement Accounts (IRAs) are designed to help you save for your retirement. Some IRAs allow you to save without paying taxes on your funds until you begin to make withdrawals. Other IRAs offer tax-exempt earnings. AltaOne offers members both Traditional and Roth IRAs.

Youth Banking

Teach kids about money with a CUB Club Savings Account; it’s the perfect teaching tool for setting savings goals, learning about interest at a great rate, and managing transfers and gift money in a secure way! For kids ages 0-12.

Gen Z/SST Banking (Successful Savings for Teens)

With advanced digital services and core values that fit your lifestyle, AltaOne is the perfect partner for those starting on the independent path of their financial success. For teens 13 to 17.