Personal Loans, Auto Loans, Credit Cards, & More | AltaOne FCU (2024)

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New Auto Loans *
Home Loans *
Recreational Vehicles *

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Apply For a Loan, 24/7, by Calling (833) 4-ALTAONE

Call (833) 4-AltaOne (833-425-8266) anytime, day or night, to apply for any AltaOne Loan with a real, live person.

Discover financial flexibility with an AltaOne personal loan

Whether you're planning a dream vacation, buying a vehicle, tackling unexpected expenses, or consolidating debt, our tailored loan solutions provide competitive rates and hassle-free application processes. Unlock the possibilities of your financial journey with AltaOne today.

Credit Builder Loans

If you need to establish credit, or want to improve your existing credit score, our Credit Builder Loan can help! It’s a secured loan using funds we deposit into a savings account for you. Once you have paid back the loan, the funds are available to you.

Apply for a Credit Builder Loan

Visa® Credit Cards

Our Visa Credit Cards offer competitive rates and limits. We offer Platinum Rewards, Platinum, and Secured cards.

Apply for a Visa Credit Card

Signature Loans

Our Signature loans have low rates and attractive terms that give you the flexibility to borrow funds for many purposes: purchases, paying taxes, vacation funds, etc.

Apply for a Signature Loan

Auto Loans

You can apply online to get pre-approved for your loan or visit one of our dealer partners, and they’ll help you through the process.

  • New and Used Auto Options

  • Refinance an existing Auto Loan

  • Up to 125% of invoice or wholesale value on new and used autos

  • Up to 84-month terms

Apply for an Auto Loan


Get pre-approved for your loan and feel freedom on two wheels.

  • Up to 125% of retail value on new and used motorcycles

  • Up to 84-month terms

Apply for a Motorcycle Loan

Off-Road Vehicles/Personal Watercraft/Snowmobiles/Utility Trailers

Get off the pavement and onto the trails. See current rates.

  • Up to 100% financing on new off-road vehicles

  • Up to 90% retail value or appraised value, whichever is less, on used off-road vehicles

  • Up to 60-month terms

Apply for a Recreational Vehicle Loan


Purchase or refinance boats up to 100% of retail value with terms up to 144 months.

Apply for a Boat Loan

Sallie Mae® Student Loans

Whether you’re an undergraduate, career-training, or graduate student, getting money for school from Sallie Mae® student loans from AltaOne in partnership with Sallie Mae® could help!

Sallie Mae® student loans are designed for the needs of all types of students.

  • Competitive interest rates

  • Multiple repayment options

  • No origination fees; no prepayment penalty¹

Smart Option Student Loan®

Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.

Find out which Sallie Mae® student loans loan is right for you.

Get free access to 3.5 million scholarship opportunities. Register for AltaOne’s Scholarship Search, powered by Sallie Mae®.

Borrow responsibly. We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students andfamilies should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.These loans are made by Sallie Mae Bank or a lender partner. AltaOne Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.Applications are subject to a requested minimum loan amount of $1,000. 1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note — first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.© 2022 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marksor registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners.SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America

GAP Advantage with PowerBuy

A totaled car doesn’t have to be a total loss

Will your insurance cover your auto loan in the event of a total loss or theft? Probably not. In most cases, your insurance will fall short of covering the full balance of your auto loan at the time of loss, leaving a substantial amount of the loan balance for you to cover.

Guaranteed Asset Protection (GAP) Advantage with PowerBuy can pay up to the remaining balance of your auto loan after an insurance payout and provide you with the additional funds to finance your next vehicle with us. Speak with one of our representatives to find out how you can add GAP Advantage with PowerBuy to your next or existing auto loan.

Due to regulations in California, Guaranteed Asset Protection (GAP) cannot be financed for active- duty military and their families. This includes any single premium product that has a debt cancellation feature.
The purchase of GAP Advantage with PowerBuy is voluntary and cannot be required as a condition of loan approval. GAP Advantage with PowerBuy is a loan deficiency waiver and is not offered as insurance coverage in most states. The description above is not a contract and the contents are limted by its size. It only provides a general summary of the plan options that are available. Be sure to read your specific contract as all benefits are subject to the terms and conditions of that contract. Skipped or missed payments, late charges, refundable service warranty contracts, and other insurance-related products, and interest charged after the date of loss will be deducted from the settlement. Loans originated within one year are eligbile for GAP Advantage with PowerBuy. Certain exclusions may apply. Administered by SWBC. License #2870.

Major Mechanical Protection

Protect your vehicle well beyond the manufacturer’s warranty

Manufacturer warranties can be valuable, but the protection they provide is limited. AltaOne’s Major Mechanical Protection service contract allows you to supplement your manufacturer’s warranty, providing services such as towing, rental reimbursem*nt, and roadside assistance, as well as repair costs after your warranty expires. These policy options are not only priced lower than extended warranties of dealerships but also offer a more affordable premium.

Many options and exclusions exist, including abuse, misuse, or lack of customary maintenance apply. Refer to the agreement for a complete list of exclusions and conditions of coverage. In California, our Major Mechanical Protection is an insurance policy issued by American Mercury Insurance Company and administered by Mercury Select Management Company, Inc.

Debt Protection

Protect what matters

Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That’s why it is important you take action to safeguard your family against these types of events to ensure loan payments can be paid on time. That’s where Debt Protection comes in.

Under the Debt Protection program, you loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected - and most importantly - that your family is protected.

Debt Protection is available for: closed-end consumer loans if the loan has a term of 120 months or less; consumer lines of credit; and credit cards. Coverage options for death, disability and involuntary unemployment are available. Talk to us to find out which plan is best for you.

Debt Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you may have with the credit union. We will give you additional information before you sign your loanagreement. This information will include a copy of the contract containing the terms and conditions of Debt Protection. Eligibility requirements, conditions, and exclusions apply. There are eligibility requirements, conditions and exclusions thatcould prevent you from purchasing Debt Protection benefits from us. You should carefully read your Debt Protection contract for a full explanation of the terms and conditions of the program.

All loans and offers of credit are subject to approval based upon creditworthiness, qualifications, program guidelines, and applicable collateral conditions.

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Personal Loans, Auto Loans, Credit Cards, & More | AltaOne FCU (2024)
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