Credit union · NCUA insured
Altra Federal Credit Union CD Rates
Top CarrotAltra Federal Credit Union’s best CD rate is 4.75% APY on a 30-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Altra Federal Credit Union’s CD rates compare
Compared with banks and credit unions near La Crosse, WI-MN, where Altra Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
Altra Thrive Certificates
2nd-highest rate
Co-op Credit Union
4.70%APY
- Term
- 18 months
- Minimum
- $100
- Earns on $10,000
- $713
3rd-highest rate
Governmental Employees Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Altra Federal Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo2.05%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo4.75%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Altra Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Altra Thrive Certificates
Up to 4.75%APY · 2 terms
Dividends paid quarterly. 10-month certificate renews to 12-month at maturity; 30-month certificate renews to 24-month at maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 months10-month certificate special automatically renews to a 12-month certificate upon maturity. Early withdrawal penalty is 90 days of dividends | 4.40% | $365 |
| 30 months30-month certificate special automatically renews to a 24-month certificate upon maturity. Early withdrawal penalty is 180 days of dividends | 4.75% | $1,230 |
Sources (3)
- altra.org/about-us/rates/certificates
- altra.org/personal/savings/certificates
- altra.org/personal/savings/cer…cates/thrive-certificate
All captured Oct 16, 2026
Certificates
Up to 3.50%APY · 7 terms
Dividends paid quarterly. Early withdrawal penalty is 90 days of dividends for terms 12 months or less, and 180 days of dividends for terms over 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.05% | $102 |
| 12 months | 2.15% | $215 |
| 18 months | 2.50% | $377 |
| 24 months | 2.75% | $558 |
| 36 months | 3.00% | $927 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Sources (3)
- altra.org/about-us/rates/certificates
- altra.org/personal/savings/certificates
- altra.org/personal/savings/cer…cates/thrive-certificate
All captured Oct 16, 2026
Special-purpose accounts
Graduation Youth Certificate
5.00%APY
Must be an Altra member age 13-17. One certificate per member. Cannot be opened as an UTMA account. Certificate can only be in child's name. Early withdrawal before age 18 incurs a penalty of 100% of earned dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $15,000Matures on 18th birthday. Initial online funding limit of $2,500; can be added to up to $15,000.$100 – $15,000 | 5.00% | $500 | Matures on 18th birthday. Initial online funding limit of $2,500; can be added to up to $15,000. |
Sources (2)
All captured Oct 16, 2026
Grow Up Youth Certificate
4.00%APY
Must be an Altra member age 0-12. One certificate per member. Cannot be opened as an UTMA account. Certificate must be in child's name. Early withdrawal before age 13 incurs a penalty of 100% of earned dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Matures on 13th birthday. Initial online funding limit of $2,000; can be added to up to $10,000.$100 – $10,000 | 4.00% | $400 | Matures on 13th birthday. Initial online funding limit of $2,000; can be added to up to $10,000. |
Sources (2)
All captured Oct 16, 2026
IRA Certificates
Up to 3.50%APY · 6 terms
Choose a 12- to 60-month fixed rate investment. $1,000 minimum deposit required. Dividends paid quarterly. Best rate available with an Altra Checking Account with Direct Deposit. Cannot be opened online; 6-month term not available on IRA certificates. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.15% | $215 |
| 18 months | 2.50% | $377 |
| 24 months | 2.75% | $558 |
| 36 months | 3.00% | $927 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Sources (3)
- altra.org/about-us/rates/certificates
- altra.org/personal/iras
- altra.org/personal/iras/ira-certificates
All captured Oct 16, 2026
12-Month Youth Certificate
2.15%APY · 1 term
Available to members under age 18. Add to Youth Certificate at any time. Receives the same rates as $1,000 minimum balance certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsReceives the same rates as $1,000 minimum balance certificate. Add to Youth Certificate at any time | 2.15% | $215 |
Sources (2)
All captured Oct 16, 2026
Health Savings (HSA) Certificate
2.15%APY · 1 term
Available for personal Health Savings Account holders only. Membership eligibility required. Only certificate offered for Health Savings accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty may be imposed for withdrawals made before maturity | 2.15% | $215 |
Sources (3)
- altra.org/personal/savings/health-savings-accounts
- altra.org/about-us/rates/certificates
- altra.org/personal/savings/certificates
All captured Oct 16, 2026
Who can join Altra Federal Credit Union
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.
Membership information collected October 5, 2026.