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Altra Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.25%Reward CheckingA+ Checking
0.45%1-year CD12 Month CD w/o Checking
0.10%SavingsSpecial Savings

Overview / Commentary
608-787-4500
1700 Oak Forest Dr
Onalaska, WI 54650

Altra Federal Credit Union is headquartered in ONALASKA and is the 9th largest credit union in the state of Wisconsin. It is also the 205th largest credit union in the nation. It was established in 1934 and as of March of 2016, it had grown to 297 employees and 92,068 members at 17 locations. Altra Federal Credit Union's money market rates are 70% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those 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 (5)

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!

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.

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!

Customer Dis-Service

Posted by: Alnel4 | 3 hours ago

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
A

Health Grade Components

Overall
NCUA #24077
Year Chartered1934
Employees297
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD8.51%
Annual Interest Income$10.2MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.19B$1.08B
LoansQ1 2016vs Q1 2015$1.00B$864.9MM
DepositsQ1 2016vs Q1 2015$993.4MM$918.5MM
Equity CapitalQ1 2016vs Q1 2015$129.5MM$119.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$6.4MM$6.4MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$6.8MM$7.8MM
Real Estate OwnedQ1 2016vs Q1 2015$2.1MM$1.8MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Altra Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$5k*-Health Savings Account (HSA)
OTHER TIERS: 0.75% Up to $5k
0.80%--IRA Savings
0.60%*$75k*-High Rate Savings
OTHER TIERS: 0.50% $25k - $75k
0.10%--Club Savings
0.10%--Regular Savings
0.10%--Business Regular Savings
0.10%--Special Savings

Altra Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$150k*-Platinum Money Market w/ Checking
OTHER TIERS: 0.45% $35k - $50k | 0.55% $50k - $75k | 0.65% $75k - $100k | 0.75% $100k - $150k
0.75%*$150k*-Platinum Money Market w/o Checking
OTHER TIERS: 0.35% $35k - $50k | 0.45% $50k - $75k | 0.55% $75k - $100k | 0.65% $100k - $150k
0.60%*$75k*-Business Money Market Account
OTHER TIERS: 0.40% $10k - $25k | 0.50% $25k - $75k
0.40%*$20k*-Traditional Money Market w/ Checking
OTHER TIERS: 0.30% $2,500 - $10k | 0.35% $10k - $20k
0.30%*$20k*-Traditional Money Market w/o Checking
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $20k

Altra Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$15kA+ Checking
OTHER TIERS: 0.50% $15k+
0.60%*$75k*-Platinum Checking
OTHER TIERS: 0.10% Up to $25k | 0.50% $25k - $75k
0.15%*$20k*-Business Edge (checking)
OTHER TIERS: 0.05% $5k - $10k | 0.10% $10k - $20k

Altra Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$100-Graduation Youth CD
4.00%$100-Grow Up Youth CD
3.00%*$1k*$25kFirst Time Homebuyers' CD
OTHER TIERS: 0.80% $25k+
2.00%$1k-60 Month CD Special w/ Checking
1.35%*$100k*-48 Month CD w/ Checking
OTHER TIERS: 1.15% $1k - $50k | 1.25% $50k - $100k
1.25%$1k-36 Month Life Happens CD
1.00%*$100k*-24 Month CD w/ Checking
OTHER TIERS: 0.80% $1k - $50k | 0.90% $50k - $100k
1.00%$1k-16 Month CD w/ Checking Special
0.90%*$100k*-18 Month CD w/ Checking
OTHER TIERS: 0.70% $1k - $50k | 0.80% $50k - $100k
0.85%*$100k*-48 Month CD w/o Checking
OTHER TIERS: 0.65% $1k - $50k | 0.75% $50k - $100k
0.70%*$100k*-12 Month CD w/ Checking
OTHER TIERS: 0.50% $1k - $50k | 0.60% $50k - $100k
0.60%*$100k*-6 Month CD w/ Checking
OTHER TIERS: 0.40% $1k - $50k | 0.50% $50k - $100k
0.50%*$100k*-24 Month CD w/o Checking
OTHER TIERS: 0.30% $1k - $50k | 0.40% $50k - $100k
0.45%*$100k*-12 Month CD w/o Checking
OTHER TIERS: 0.25% $1k - $50k | 0.35% $50k - $100k
0.40%*$100k*-18 Month CD w/o Checking
OTHER TIERS: 0.20% $1k - $50k | 0.30% $50k - $100k
0.35%*$100k*-6 Month CD w/o Checking
OTHER TIERS: 0.15% $1k - $50k | 0.25% $50k - $100k

Altra Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-60 Month IRA Special w/ Checking
1.35%*$100k*-48 Month IRA w/ Checking
OTHER TIERS: 1.15% $1k - $50k | 1.25% $50k - $100k
1.25%*$100k*-36 Month IRA w/ Checking
OTHER TIERS: 1.05% $1k - $50k | 1.15% $50k - $100k
1.00%*$100k*-24 Month IRA w/ Checking
OTHER TIERS: 0.80% $1k - $50k | 0.90% $50k - $100k
1.00%$1k-16 Month IRA w/ Checking Special
0.90%*$100k*-18 Month IRA w/ Checking
OTHER TIERS: 0.70% $1k - $50k | 0.80% $50k - $100k
0.85%*$100k*-48 Month IRA w/o Checking
OTHER TIERS: 0.65% $1k - $50k | 0.75% $50k - $100k
0.75%*$100k*-36 Month IRA w/o Checking
OTHER TIERS: 0.55% $1k - $50k | 0.65% $50k - $100k
0.70%*$100k*-12 Month IRA w/ Checking
OTHER TIERS: 0.50% $1k - $50k | 0.60% $50k - $100k
0.50%*$100k*-24 Month IRA w/o Checking
OTHER TIERS: 0.30% $1k - $50k | 0.40% $50k - $100k
0.45%*$100k*-12 Month IRA w/o Checking
OTHER TIERS: 0.25% $1k - $50k | 0.35% $50k - $100k
0.40%*$100k*-18 Month IRA w/o Checking
OTHER TIERS: 0.20% $1k - $50k | 0.30% $50k - $100k
Locations

Altra Federal Credit Union has 17 locations. Click to view all Altra Federal Credit Union locations.