Altra Credit Union Trenton NJ | Quick Personal Loans & Checking

Introduction

Welcome to Altra Federal Credit Union, where your financial well-being is our top priority! Located at 2231 E State Street Ext, Trenton, NJ 08619, we have proudly served our community since 1931. With a commitment to putting our members first, we've grown into a trusted financial partner with over 155,000 members and $2.94 billion in total assets. At Altra, we understand that banking is not just about numbers; it's about people. Our dedicated team of 497 employees, led by CEO Steve Koenen and Board President Tanner Holst, is here to provide personalized service and expert guidance tailored to your unique needs. Whether you're looking for auto loans, mortgages, or business banking solutions, we've got you covered! While members can visit us at our branch location, official correspondence should be sent to our mailing address: 2231 E STATE STREET, TRENTON, NJ 08619-3311. Feel free to reach out via phone at 609-588-4214 or explore our services online at www.altra.org. Our financial strength speaks volumes: we maintain a net worth of $321 million, with a solid deposit base of $114 million and cash on hand totaling $13.5 million. We are committed to responsible lending practices, offering more than 101,000 loans and leases to help our members achieve their dreams. Join us at Altra Federal Credit Union today! Experience the difference that comes from being part of a community-focused credit union where your financial goals are supported every step of the way.

Branch History & Mission

At Altra Federal Credit Union, we take pride in a rich history that spans over nine decades. Founded in 1931, our branch in Trenton, NJ has grown alongside the community it serves. With a commitment to providing quality financial services and fostering personal connections, we have become a trusted resource for our members. Located at 2231 E State Street Ext, Trenton, NJ 08619, our branch is easily accessible and situated near key local landmarks, making it convenient for members to visit us. Whether you are stopping by to discuss your financial goals or simply need to use our ATM services available on-site we're here to help. Our mission is clear: we aim to improve the financial well-being of our members while actively contributing to the communities we serve. We do this by offering a variety of services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our focus goes beyond just banking; it's about being there for our members when they need us most. As of now, Altra Federal Credit Union proudly serves over 155,000 members and manages total assets of $2,936,746,167. This significant growth reflects our dedication to providing personalized service that meets the unique needs of each member. We embrace technology with features such as online and mobile banking options that make managing finances easier than ever. Our commitment to accessibility extends to ADA compliance, ensuring that all members can access our services without barriers. While members can visit us at 2231 E State Street Ext, official correspondence should be sent to 2231 E STATE STREET, TRENTON, NJ 08619-3311. Our branch operates from Monday through Friday from 7:30 a.m. to 3:30 p.m., ensuring that we are available during convenient hours for your banking needs. Our impact reaches beyond traditional banking; we actively engage in community outreach programs and partnerships that uplift those around us. By supporting local initiatives and encouraging member participation in community events, we strive to create a positive difference in Trenton and its surrounding areas. Join us today at Altra Federal Credit Union! Experience how we can support your financial journey while making a meaningful impact in our community together. For more information or assistance, feel free to call us at 609-588-4214 or visit our website at www.altra.org. We look forward to welcoming you into the Altra family!

Branch Location & Accessibility

Accessibility and Features

Our branch prioritizes accessibility for all members. With ADA-compliant features and easy parking, visiting us is straightforward and stress-free. While we don't have drive-thru service, our lobby is open Monday through Friday from 7:30 a.m. to 3:30 p.m., allowing you ample time to come in and discuss your banking needs.

Get in Touch!

If you have questions or want to learn more about our services, please don't hesitate to give us a call at 609-588-4214. We look forward to welcoming you into our branch soon!

Services Offered

At Altra, we offer a variety of services tailored just for you. From personal banking accounts and auto loans to mortgage loans and business banking solutions, we've got you covered. Plus, with ATM availability at our location, you can quickly access cash or check balances whenever needed. While members can visit us at 2231 E State Street Ext, official correspondence should be sent to our mailing address at 2231 E STATE STREET, TRENTON, NJ 08619-3311.

Member Eligibility

Becoming a member of Altra is like joining a warm, welcoming family where your financial needs are prioritized. To qualify for membership, you simply need to live, work, worship, or attend school in the areas we serve. This means that many people in our community can enjoy the benefits of being part of our credit union. Membership at Altra comes with fantastic advantages, such as competitive rates on loans and savings accounts, personalized service, and access to a variety of financial resources designed just for you. If you're ready to take the next step, opening an account is easy! You can find all the details you need about eligibility and the account opening process by visiting our website at . If you have any questions or want to talk to someone directly, feel free to give us a call at (609) 588-4214. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $556 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $304,210,974, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Beyond loans, we offer practical merchant services designed to make daily operations smoother. Imagine being able to accept payments easily from customers whether they pay with a card or mobile wallet. Our services ensure that you can focus on what matters most: running your business. Located at 2231 E State Street Ext Trenton Nj 08619 in Trenton, NJ, we're dedicated to being a partner in your success. Visit us or call us at (609) 588-4214 to learn more about how we can assist your business today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services provide easy access for withdrawals and balance checks without any hassle. Enjoy basic ATM access anytime you need it. At Altra, our focus is always on serving our members better by offering comprehensive financial solutions tailored just for you. If you'd like to learn more about how we can assist you with any of these services, don't hesitate to visit us at 2231 E State Street Ext Trenton Nj 08619 or call us at (609) 588-4214 today! Your journey toward financial wellness starts here!

Auto Loans & Vehicle Financing

Thinking about getting a new vehicle? Our auto loans and vehicle financing solutions can help you get on the road without breaking the bank. With competitive rates and flexible terms, you'll find an option that suits your budget perfectly. Imagine driving away in your dream car while enjoying manageable monthly payments!

Business Banking Services

For entrepreneurs and business owners, we offer specialized business banking services including merchant services and business loans. Whether you're just starting out or looking to expand, we have the tools and expertise to support your growth.

Credit Cards with Rewards

Make every purchase count with our credit cards that come with rewards! Earn points on everyday spending which can be redeemed for travel, merchandise, or cash back. It's like getting paid for spending an excellent way to maximize your financial resources.

Mortgage Loans & Refinancing

If homeownership is on your mind, Altra offers mortgage loans that make buying your first home a reality. We also provide refinancing options if you're looking to lower your monthly payments or tap into your home's equity. Our team will guide you through every step, ensuring the process is as smooth as possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills all at your fingertips!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed to help you manage your money effectively. We offer accounts that fit different lifestyles and financial goals, making it easy for you to save for a vacation, a new car, or simply for emergencies.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses our way. That's where personal loans come in handy. Whether it's for medical bills or home repairs, we have loan options available that could help ease your financial stress. Additionally, if you're juggling multiple debts, consider our debt consolidation service to simplify your payments and potentially lower interest rates.

Digital & Online Banking

Convenient Online Banking

With just a few clicks at http://www.altra.org, you can access your accounts 24/7 through our online banking platform. Check your balances, transfer funds, and manage your transactions all from the comfort of your home or while on the go. Our user-friendly interface makes it easy for everyone to navigate, whether you're tech-savvy or new to online banking.

Enhanced Security Features

Your security is our top priority. We provide electronic signature authorization for added safety when handling documents online. You can feel confident knowing that your personal information is protected with advanced security measures.

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available at Altra, you can receive your account statements electronically. This not only helps the environment but also provides easy access to your financial records whenever you need them. In summary, our digital and online banking services are tailored to enhance your banking experience at Altra. With features like mobile payments, 24/7 online access, and secure electronic signatures, managing your finances has never been easier or more secure. Join us today and enjoy the freedom of modern banking!

Mobile Banking at Your Fingertips

For even more convenience, download our mobile application. It allows you to make mobile payments and conduct person-to-person transfers effortlessly. Whether you're splitting a bill with friends or making quick purchases, our app keeps everything within reach.

Financial Strength

Commitment to Growth and Innovation

With $296,762,410 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $31,590 in used auto loans and $2,577,869,875 in total loans and leases.

Member Trust

Total Share Accounts: 329,166, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $42,821,590. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Altra is your trusted partner. Visit us at 2231 E State Street Ext Trenton Nj 08619 or call (609) 588-4214 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $18,977,818, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 464 full-time employees and 33 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Robust Financial Health

With a net worth of $321,182,498, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,092 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Secure Savings Opportunities

Your savings are secured through $514,851,270 in share certificates and $593,728,229 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $178,927,460, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $447,123,262 in used vehicle loans and $146,036,985 in new vehicle loans already helping members get on the road. Whether you're financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process and ensure you get the best deal possible.

Business Loans

For business owners, our outstanding commercial loans totaling $304,210,974 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our team will work closely with you to develop a financing solution that aligns with your business goals.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $195,044,635, make buying or refinancing simple. We provide tailored solutions that fit your budget and lifestyle, helping you take that important step toward owning your own home.

Refinancing Options

If you already have loans but are looking for better rates or terms, we encourage you to explore our refinancing options. This could help lower your monthly payments or reduce overall interest costs. To learn more about our loan offerings at Altra, located at 2231 E State Street Ext Trenton Nj 08619, Trenton, NJ, feel free to call us at (609) 588-4214. We're dedicated to helping you navigate your financial journey with confidence. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $98,318,856 in loans helping members manage their finances effectively. These cards come with competitive interest rates and no annual fees, allowing you to use credit wisely while enjoying rewards on your purchases.

Loan Aggregator

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Altra