Credit union · NCUA insured
Altra Federal Credit Union Savings Rates
Top CarrotAltra Federal Credit Union’s best savings rate is 3.75% APY on $10,000, with its Save Your Way. Rates checked October 16, 2026.
How Altra Federal Credit Union’s savings 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
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
Save Your Way
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
3rd-highest rate
Marine Credit Union
3.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $300
Altra Federal Credit Union savings score
97
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0003.75%
- $10,000 balance$10,0003.75%
- $100,000 balance$100,0003.75%
- QualifiedQualified3.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Indexed Tiered Savings
0.10%APY
Dividends compounded monthly and paid monthly. Available to both Business and Retail Members. Rate indexed to 3-month Regular Advance rate of FHLB of Chicago. Floor Rate of 0.50% APY for balances higher than $250,000.00. Limited to balances below $10,000,000.00. Limit 1 Indexed Tiered Savings account per tax reported owner.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $249,999 | 0.10% | $10 |
| $250,000 – $499,999 | 3.32% | — |
| $500,000 – $749,999 | 3.52% | — |
| $750,000 – $999,999 | 3.92% | — |
| $1,000,000 and up | 4.32% | — |
Save Your Way
3.75%APY
Not available to open online; must be opened in person and funded with new money (funds not already on deposit at Altra). One account per member; personal accounts only (not available to Guardianship, Rep Payee, or UTMA accounts). No minimum deposit or minimum balance required. Additional deposits in-person only, up to $250,000 maximum. Earns posted APY on balances up to $250,000; amounts over $250,000 deposited to regular savings. Dividends paid monthly. Limited time offer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250,000 | 3.75% | $375 |
Sources (1)
- altra.org/personal/savings/sav…s-accounts/save-your-way · captured Oct 5, 2026
Best Life Advantage Tiered Savings
1.90%APY
Annual Percentage Yield (APY) based on average daily balance. Membership eligibility required. One account per member; personal accounts only. Account balance may be added to at any time; no penalty for withdrawal. No checking or direct deposit required. Limited time offer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $14,999 | 1.90% | $190 |
| $15,000 – $49,999 | 2.00% | — |
| $50,000 – $74,999 | 2.10% | — |
| $75,000 – $99,999 | 2.20% | — |
| $100,000 – $149,999 | 2.30% | — |
| $150,000 and up | 2.40% | — |
Sources (2)
All captured Oct 5, 2026
Special Savings
0.10%APY
No minimum balance required. A Special Savings account can be used as a budgeting tool or to keep some of your savings separated from other funds. Dividends are paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- altra.org/personal/savings/savings-accounts · captured Oct 5, 2026
Regular Savings
0.05%APY
A $5 minimum balance is required in a Regular savings account for all Altra members; this is your ownership share in the Credit Union. This account pays dividends quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.75%APY
Must have coverage under an HSA-qualified high deductible health plan. No fees or minimum balance required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $4,999 | 0.50% | — |
| $5,000 and up | 0.75% | $75 |
Sources (2)
All captured Oct 5, 2026
IRA Savings
0.50%APY
Cannot be opened online; open by phone or branch visit. Accumulate funds up to annual contribution limit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (3)
- altra.org/about-us/rates/savings-money-market
- altra.org/personal/iras
- altra.org/personal/iras/ira-savings
All captured Oct 5, 2026
Saver’s Sweepstakes
0.50%APY
Available to MN, WI, IL, & TX residents only. Personal and UTMA accounts only; joint account holder age 18 or over required on minor accounts. One account per primary account holder per participating credit union. $25 minimum opening deposit and $25 minimum balance required. Earn prize-drawing entries for every $25 increase (up to 6 entries per month) for 12-month savings period.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.50% | $50 |
Sources (2)
All captured Oct 5, 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.