Overview / Commentary
1700 Oak Forest Dr
Onalaska, WI 54650

Altra Federal Credit Union is headquartered in ONALASKA and is the 10th largest credit union in the state of Wisconsin. It is also the 193rd largest credit union in the nation. It was established in 1934 and as of September of 2018, it had grown to 363 employees and 102,054 members at 15 locations. Altra Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to anyone who are members of the Altra Foundation (membership dues of $10). Membership is also open to those who live, work, worship or attend school in specific census tracts in La Crosse, Wisconsin; Winona or Rochester, Minnesota; Clarksville and Montgomery Counties in Tennessee' or Tyler and Smith Counties in Texas, or employees of select schools and companies.
See current membership details

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Reviews (7)

Best Bank!!!

Posted by: Amber2256 | Apr 18, 2012

They really care about you as a person! I tell everyone to go to Altra, many friends and family have switched and everyone LOVES IT!!! A+ on everything.

Correction To Review Re: Posting Order

Posted by: CLN | May 2, 2011

The previous review is not correct. Altra posts credit before debits. All ACH credits are posted first, then debits. Checks that come in for a particular day are cleared in numeric order at the end of that business day. We do everything possible to give the member most advantageous posting order.

The only exception is Debit card PIN purchases or ATM withdrawals are posted as they occur and a check cashed at one of our branches will clear immediately.

If the member would like to discuss, please stop in or call our Member Service center. We'd be happy to discuss further.

P.S. The comment system would not let me reply to the previous review or post this without a star rating - I am not trying to skew the ratings!

Great customer service!

I've banked with Altra for years now, And I have to say the customer service is great! I've had every issue resolved with speed and accuracy right away, with no waiting! Everyone is kind, and genuinely seems to care for customers that bank with them. I was told about this bank through a friend, they said how much they liked it, and that I would too. And they were right! The only problems I have had are with the website, but those are forgivable. I would highly recommend banking with this institution! They will meet any needs that you have. If that doesn't convince you, then let me tell you, their rates are low. I've had a credit card for a few years now, and not once have I regretted getting it!

Altra Will Not Add Beneficiary Without Notarized Paperwork

Posted by: wayward | Dec 13, 2018

I have been a customer at Altra FCU for years and on my original app long ago had included my beneficiaries. However when buying two new CDs this year, they would not guarantee my beneficiaries apply to the new CDs until I send in notarized documents. Their rates are good but not good enough for that hassle, and also the fact they did not notify me that my existing beneficiaries are suddenly not applicable is unprofessional at the least.


If you're looking for interest rates that can't be beat once you jump through some hoops, this is your bank as long as you don't mind the absence of the "personal" interaction.

Customer Dis-Service

Posted by: Alnel4 | Aug 24, 2016

Went to deposit money for cell phone bill..one of the people on my account is a cab driver so had $13 in quarters. They wouldn't take it, saying that they have some agreement with Festival. First of all I understand the agreement of not having a change counter. Second, you're a god d**m bank, money is money! Third, if someone is offering to count it out all for you and put it in dollar stacks jump at that chance! Less for you guys to do! Fourth, I don't appriciate being told not to come back because I said it was retarded (which you know is true). I will be closing my account at the end of the month, and my boyfriend will be as well. Never will recommend Altra again.

And you probably should really think of calling people when they have something that comes out that'll make their account overdrawn BEFORE the overdraft fee. Literally could have come to put a measly $11 in that day, not everyone remembers when a debit is gonna happen for a monthly debit transaction...nor do they check their bank account daily.

Warning Posting Process!!!!

Posted by: REDBUTLER | Apr 8, 2011

This institution processess ACH and Bill Pay BEFORE deposits on the same business day. Buyer beware.


Health Grade Components

NCUA #24077
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD1.09%
Return on Equity - YTD9.76%
Annual Interest Income$41.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1.50B$1.38B
LoansQ3 2018vs Q3 2017$1.32B$1.19B
DepositsQ3 2018vs Q3 2017$1.23B$1.13B
Equity CapitalQ3 2018vs Q3 2017$166.5MM$150.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$7.5MM$7.2MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$9.0MM$8.4MM
Real Estate OwnedQ3 2018vs Q3 2017$128.00K$2.1MM

Rates for Altra Federal Credit Union are currently being reviewed.



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