Bank Local Bank at AltaOne Investing in you since 1947. It's easy to bank local with AltaOne. AltaOne.org/BankLocal CERTIFICATES Watch Your Savings Climb 10-Month TERM SHARE CERTIFICATE Fixed rate of growth 4.84% Low-risk investing Federally Insured CONTACT US FOR YOUR BANKING NEEDS! (800) 433-9027 AltaOne.org Bakersfield-Ming Branch Bakersfield-Riverwalk Branch 6501 Ming Avenue 11211 River Run Boulevard Mon-Fri 9 AM-5 PM Mon-Fri 9 AM-5 PM Sat 9 AM- PM Federally Insured by NCUA Equal Housing Opportunity CDFI CONGE MANCH Other rates and terms available! AltaOne.org/rates CO-OP V. Holiday Cash Express TRAVEL Get the cash you need this holiday season! Rates as low as -8.00% Borrow from $300 up to $5,000 Loan Terms up to 18 months SHOPPING HOME OWNERSHIP WHY RENT WHEN YOU CAN BUY A HOME OF YOUR OWN Personalized Service . Competitive Rates . APPLIANCES We've got a wide range of loan options to suit your needs! Whether you're looking for a conventional mortgage, an FHA loan, a VA loan, an ITIN loan, or thinking about refinancing, we've got you covered. Here's a few more reasons why AltaOne is the right choice for your home loan: Local Knowledge Low Fees Member Benefits Community Focus Reach out to us and discover why so many people trust AltaOne with their most significant financial decisions. Your dream home might be closer than you think! ItaOne FEDERAL CREDIT UNION APR-Annual Percentage Rate Promotion effective 11/1/2023 until 12/31/2023. 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. APY - Annual Percentage Yield. For a limited time only. Effective 2/6/2023. Promotion may end at any time, with or without notice. The minimum daily balance to open certificates and to earn the disclosed Annual Percentage Yield is $5,000. Early withdrawal penalties equal to 90 days of dividends earned on certificates. APYs are based on an assumption that dividends will remain in account until maturity. 10-month Term Share Certificate: 4.84% APY/4.75% Annual Dividend Rate. $5,000 minimum deposit. Certificate will mature at the end of the term and renew automatically to a 12-month Term Share Certificate. All other general terms are disclosed in our Account Agreements and Disclosures. All rates and policies are subject to change without notice. See AltaOne's rate sheet for additional rates/terms. Allloons and offers of credit are subject to approval based upon creditworthiness, qualifications, program guidelines, and applicable collateral conditions Bank Local Bank at AltaOne Investing in you since 1947 . It's easy to bank local with AltaOne . AltaOne.org/BankLocal CERTIFICATES Watch Your Savings Climb 10 - Month TERM SHARE CERTIFICATE Fixed rate of growth 4.84 % Low - risk investing Federally Insured CONTACT US FOR YOUR BANKING NEEDS ! ( 800 ) 433-9027 AltaOne.org Bakersfield - Ming Branch Bakersfield - Riverwalk Branch 6501 Ming Avenue 11211 River Run Boulevard Mon - Fri 9 AM - 5 PM Mon - Fri 9 AM - 5 PM Sat 9 AM- PM Federally Insured by NCUA Equal Housing Opportunity CDFI CONGE MANCH Other rates and terms available ! AltaOne.org/rates CO - OP V. Holiday Cash Express TRAVEL Get the cash you need this holiday season ! Rates as low as -8.00 % Borrow from $ 300 up to $ 5,000 Loan Terms up to 18 months SHOPPING HOME OWNERSHIP WHY RENT WHEN YOU CAN BUY A HOME OF YOUR OWN Personalized Service . Competitive Rates . APPLIANCES We've got a wide range of loan options to suit your needs ! Whether you're looking for a conventional mortgage , an FHA loan , a VA loan , an ITIN loan , or thinking about refinancing , we've got you covered . Here's a few more reasons why AltaOne is the right choice for your home loan : Local Knowledge Low Fees Member Benefits Community Focus Reach out to us and discover why so many people trust AltaOne with their most significant financial decisions . Your dream home might be closer than you think ! ItaOne FEDERAL CREDIT UNION APR - Annual Percentage Rate Promotion effective 11/1/2023 until 12/31/2023 . 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 . APY - Annual Percentage Yield . For a limited time only . Effective 2/6/2023 . Promotion may end at any time , with or without notice . The minimum daily balance to open certificates and to earn the disclosed Annual Percentage Yield is $ 5,000 . Early withdrawal penalties equal to 90 days of dividends earned on certificates . APYs are based on an assumption that dividends will remain in account until maturity . 10 - month Term Share Certificate : 4.84 % APY / 4.75 % Annual Dividend Rate . $ 5,000 minimum deposit . Certificate will mature at the end of the term and renew automatically to a 12 - month Term Share Certificate . All other general terms are disclosed in our Account Agreements and Disclosures . All rates and policies are subject to change without notice . See AltaOne's rate sheet for additional rates / terms . Allloons and offers of credit are subject to approval based upon creditworthiness , qualifications , program guidelines , and applicable collateral conditions