Credit union · NCUA insured
Altonized Community FCU
A $55.7M credit union headquartered in Alton, IL, with 5,595 members and 2 branches in Illinois. Best rates: savings 0.10% APY.
Altonized Community FCU Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#46 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Altonized Community FCU
Headquartered in Alton, Illinois, Altonized Community Federal Credit Union is a not-for-profit financial cooperative founded to serve Owens-Illinois employees, their immediate families, and related businesses.
The credit union expanded its community charter to serve all of Madison County in 2003 and all of Macoupin County in 2017.
- Headquarters
- 4435 Alby St, Alton, IL 62002-5916
- NCUA charter
- 3316
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living, working, worshipping or attending school in Madison and Macoupin County is eligible for membership.
Employers and groups
- Any business or legal entity in Madison and Macoupin County is eligible for membership.
- Anyone who volunteers in Madison and Macoupin County is eligible for membership.
Family and household
- Immediate family and household of current members are eligible for membership.
- Any organization of family and household is eligible for membership.
Branches
2 branches in Illinois
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Illinois
2 branches
- Altonized Community Federal Credit UnionMain office4435 Alby St, Alton, IL 62002Directions
- Altonized Community Federal Credit Union200 N Main St, Brighton, IL 62012Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.74% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.93% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.36% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $44 | $59 | — |
- CapitalNet worth ratio8.74%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.93%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.36%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$44Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Altonized Community FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.