Credit union · NCUA insured
Altra Federal Credit Union
Top CarrotA $3.1B credit union, the 161st largest of 4,329, headquartered in Onalaska, WI, with 158,923 members and 17 branches in 6 states. Best rates: CDs 4.75% and savings 3.75% APY.
Altra Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#1 of 23 in La Crosse, WI-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Altra Federal Credit Union
Chartered in 1931, Altra Federal Credit Union is a not-for-profit, member-owned financial cooperative serving members in all 50 states and around the globe.
The credit union is headquartered in Onalaska, Wisconsin.
- Headquarters
- 1700 Oak Forest Dr, Onalaska, WI 54650
- NCUA charter
- 24077
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals (and their immediate family or household members) who live, work, worship, or attend school in select qualifying census tracts in La Crosse (WI), Winona (MN), Rochester (MN), Clarksville / Montgomery County (TN), or Tyler / Smith County (TX) are eligible for membership.
Employers and groups
- Employees of Trane or a Trane Authorized Dealer are eligible for membership.
Military, government and schools
- Individuals (and their immediate family or household members) who attend school or work for a qualifying school or school district are eligible for membership.
Family and household
- Immediate family members (parent, child, sibling, grandparent, grandchild, step-parent, step-child, step-sibling, or adopted child) and household members (roommate, spouse/domestic partner, or foster child) of an existing Altra member are eligible for membership.
Cost to join
- A $5 minimum savings balance deposit is required upon joining.
- A $5 membership entrance fee is required upon joining.
Branches
17 branches in 6 states
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Wisconsin
5 branches
- Altra Federal Credit Union1404 Main St, Holmen, WI 54636Directions
- Altra Federal Credit Union2715 Losey Blvd S, La Crosse, WI 54601Directions
- Altra Federal Credit Union28 Copeland Ave, La Crosse, WI 54603Directions
- Altra Federal Credit Union1807 E Main St, Onalaska, WI 54650Directions
- Altra Federal Credit Union1400 Waterloo Ave, West Salem, WI 54669Directions
Minnesota
4 branches
Rochester area · 2
- Altra Federal Credit Union3833 Cascade Creek Rd NW, Rochester, MN 55901Directions
- Altra Federal Credit Union123 16th AVE SW STE 500, Rochester, MN 55902Directions
La Crosse area · 1
- Altra Federal Credit Union205 N Chestnut St, La Crescent, MN 55947Directions
Winona area · 1
- Altra Federal Credit Union526 Orrin St, Winona, MN 55987Directions
Texas
4 branches
- Altra Federal Credit Union404 S Main St, Lindale, TX 75771Directions
- Altra Federal Credit Union2815 W Southwest Loop 323, Tyler, TX 75701Directions
- Altra Federal Credit Union5523 Troup Hwy, Tyler, TX 75707Directions
- Altra Federal Credit Union8976 S Broadway Ave, Tyler, TX 75703Directions
Tennessee
2 branches
- Altra Federal Credit Union1600 Madison St, Clarksville, TN 37043Directions
- Altra Federal Credit Union2625 Wilma Rudolph Blvd, Clarksville, TN 37040Directions
Colorado
1 branch
- Altra Federal Credit Union101 William White Blvd, Pueblo, CO 81001Directions
New Jersey
1 branch
- Altra Federal Credit Union2231 E State Street Ext, Trenton, NJ 08619Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.68% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.68% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $110 | $88 | — |
- CapitalNet worth ratio12.68%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.68%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$110Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Altra Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.