Credit union · NCUA insured
Altra Federal Credit Union Credit Card Rates
Top CarrotAltra Federal Credit Union credit cards start at 12.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Altra Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near La Crosse, WI-MN, where Altra Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Altra Federal Credit Union
12.40%APR
Now (Non-rewards) Credit Card
Lowest rate
Gundersen Credit Union
8.90%APR
2nd-lowest rate
Governmental Employees Credit Union
8.99%APR
Altra Federal Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Altra Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Go (Traditional Rewards) Credit Card
Contactless card. $250 minimum limit. Minimum payment 2% or $25.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.40% | None | Rewards Tier 1 regular APR |
| Ongoing | 7.99% | None | Rewards Tier 1 introductory promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. No balance transfer fee for telephone or in-office transfers. Cannot be used to pay off Altra accounts. |
| Ongoing | 17.40% | None | Rewards Tier 2 regular APR |
| Ongoing | 9.99% | None | Rewards Tier 2 introductory promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. No balance transfer fee for telephone or in-office transfers. Cannot be used to pay off Altra accounts. |
| Ongoing | 18.00% | None | Rewards Tier 3 regular APR |
| Ongoing | 11.99% | None | Rewards Tier 3 introductory promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. No balance transfer fee for telephone or in-office transfers. Cannot be used to pay off Altra accounts. |
Now (Non-rewards) Credit Card
Contactless card. $250 minimum limit. Minimum payment 2% or $25.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | None | Non-Rewards Tier 1 regular purchase APR |
| Ongoing | 7.99% | None | Non-Rewards Tier 1 introductory promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. No balance transfer fee. |
| Ongoing | 14.40% | None | Non-Rewards Tier 2 regular purchase APR |
| Ongoing | 9.99% | None | Non-Rewards Tier 2 introductory promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. No balance transfer fee. |
| Ongoing | 16.40% | None | Non-Rewards Tier 3 regular purchase APR |
| Ongoing | 11.99% | None | Non-Rewards Tier 3 introductory promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. No balance transfer fee. |
Signature Card
Contactless card. Requires $5,000 minimum limit and 680+ credit score. Minimum payment 2% or $25.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.40% | None | Signature Rewards regular APR |
| Ongoing | 7.99% | None | Signature Rewards introductory promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. No balance transfer fee for telephone or in-office transfers. Cannot be used to pay off Altra accounts. |
Student Credit Card
This credit card program is no longer available to new applicants.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.40% | None | Visa Student Rewards purchase APR |
Sources (2)
All captured Oct 16, 2026
Visa Platinum
This credit card program is no longer available to new applicants.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Visa Platinum I regular purchase APR |
| Ongoing | 15.90% | None | Visa Platinum II regular purchase APR |
| Ongoing | 17.90% | None | Visa Platinum III regular purchase APR |
| Ongoing | 7.99% | None | Visa Platinum Traditional Tier 1 promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. |
| Ongoing | 9.99% | None | Visa Platinum Traditional Tier 2 promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. |
| Ongoing | 11.99% | None | Visa Platinum Traditional Tier 3 promotional balance transfer APR. Fixed rate for the life of the balance transfer as long as account remains in good standing or until paid in full. |
Sources (2)
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.