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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Alta Vista Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 26, 2026
Alta Vista Credit Union's CDs - 18 month rates are at 3.00%, CDs - 24 month rates are at 3.00%, CDs - 36 month rates are at 3.00%, CDs - 60 month rates are at 3.00%, Traditional/Roth IRA CD - 18 month rates are at 2.90%. Alta Vista Credit Union's savings rates are at 0.25%. Alta Vista Credit Union's money market rates are at 1.10%. Alta Vista Credit Union's checking rates are as high as 0.03%. Alta Vista Credit Union's Personal Loan Rates are as low as 9.24%. Alta Vista Credit Union's Credit Card Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Alta Vista Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.38%. Rates last updated and verified on 10/26/2026. Alta Vista Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alta Vista Credit Union? Share your experience about Alta Vista Credit Union by leaving a review below, or read customer reviews before you decide to use Alta Vista Credit Union. Alta Vista Credit Union
LUGONIA BRANCH 1425 W LUGONIA AVE
https://www.altavistacu.org REDLANDS, CA 92374  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Alta Vista Credit Union CD Rates
Alta Vista Credit Union Savings Rates
Alta Vista Credit Union Money Market Rates
Alta Vista Credit Union Checking Rates
Alta Vista Credit Union Auto Loan Rates
Alta Vista Credit Union RV, Boat and Powersport Loan Rates
Alta Vista Credit Union Credit Card Rates
Alta Vista Credit Union Personal Loan Rates
Alta Vista Credit Union Other Rates
Financial Health HistoryAlta Vista Credit Union’s Texas Ratio rose from 2.29% in Q3 2023 to 3.38% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alta Vista Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Alta Vista Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Alta Vista Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alta Vista Credit Union
Website
https://www.altavistacu.org
Address
1425 W LUGONIA AVE,
REDLANDS, CA 92374
Phone
909-809-3838
Fax
909-809-3716
President
STEPHANIE ORNELAS
CEO
DAVID JUSTICE
Full-Time Employees
41
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.38%
Return on Assets (ROA)
0.0966%
Return on Equity (ROE)
1.0867%
Non-Performing Loans Ratio (NPL)
0.51%
Total Assets
208,554,158
Total Amount of Shares and Deposits
188,403,185
Total Shares and Deposits < 1 Year
182,092,804
Total Shares and Deposits 1 3 Years
5,031,000
Total Shares and Deposits > 3 Years
1,279,381
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,039,160
Total Uninsured Shares and Deposits > $250K (F+J)
25,039,160
Total Insured Shares and Deposits > $250K (item 17 less item K)
163,364,025
Total Interest Expense (Sum of items 6 8)
765,689
Share Certificates
806
Number of Accounts for Share Drafts
9,561
IRA KEOGH Accounts
119
Number of Accounts for Regular Shares
7,990
All other shares
1
Money Market Shares
370
Net Income (unless the amount is already included in Undivided Earnings)
201,497
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,218,330
Total Liabilities
190,026,903
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Alta Vista Credit UnionDoes Alta Vista Credit Union offer CDs?Yes. Alta Vista Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 3.00% APY on its CDs - 18 month, 3.00% APY on its CDs - 24 month and 3.00% APY on its CDs - 36 month. Are CDs from Alta Vista Credit Union NCUA insured?Yes. Alta Vista Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Alta Vista Credit Union?The highest CD rate MonitorBankRates has verified for Alta Vista Credit Union is 3.00% APY on its CDs - 18 month, as of October 26, 2026. What CD terms does Alta Vista Credit Union offer?The Alta Vista Credit Union CD terms MonitorBankRates tracks include 12 month, 18 month, 2 year, 3 year and 5 year terms, with rates from 2.90% to 3.00% APY. The institution may offer other terms or specials that are not listed here, so check with Alta Vista Credit Union for its full lineup. What is the highest savings rate at Alta Vista Credit Union?The highest savings rate MonitorBankRates has verified for Alta Vista Credit Union is 0.25% APY on its Traditional/Roth IRA Savings, as of October 26, 2026. What is the highest money market rate at Alta Vista Credit Union?The highest money market rate MonitorBankRates has verified for Alta Vista Credit Union is 1.10% APY on its Platinum Money Market, as of October 26, 2026. What is the highest checking rate at Alta Vista Credit Union?The highest checking rate MonitorBankRates has verified for Alta Vista Credit Union is 0.03% APY on its Prestige Checking, as of October 26, 2026. What is the lowest auto loan rate at Alta Vista Credit Union?The lowest auto loan rate MonitorBankRates has verified for Alta Vista Credit Union is 4.74% APR on its New Auto Loan - 48 Months, as of October 26, 2026. What is the lowest credit card APR at Alta Vista Credit Union?The lowest credit card rate MonitorBankRates has verified for Alta Vista Credit Union is 10.99% APR on its Platinum VISA Credit Card, as of October 26, 2026. How many branches does Alta Vista Credit Union operate?Alta Vista Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Alta Vista Credit Union?Yes, to access services at Alta Vista Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Alta Vista Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Alta Vista Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alta Vista Credit Union offer online and mobile banking?Most modern institutions like Alta Vista Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.altavistacu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Alta Vista Credit Union rates compare?Alta Vista Credit Union's top rates are 3.00% APY on its CDs - 18 month, 0.25% APY on its Traditional/Roth IRA Savings, 1.10% APY on its Platinum Money Market, 0.03% APY on its Prestige Checking, 9.24% APR on its Share Secured Loan and 10.99% APR on its Platinum VISA Credit Card, verified by MonitorBankRates on October 26, 2026. Current Alta Vista Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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