Altra Credit Union West Salem WI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Altra Federal Credit Union, your trusted financial partner in West Salem, WI! Located at 1400 Waterloo Ave, our branch has been serving the community since 1931. With a dedicated team of 497 employees, we are proud to support over 155,000 members with a commitment to providing excellent service and financial solutions tailored to your needs. At Altra, we believe in fostering strong relationships with our members. Our total assets amount to an impressive $2,936,746,167, ensuring that we have the resources to help you achieve your financial goals. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans and mortgages, we've got you covered. Our total deposits stand at $114,150,615, reflecting the trust our members place in us. While you can visit us at our West Salem location for all your banking needs, please note that official correspondence should be sent to the same address: 1400 Waterloo Ave, WEST SALEM, WI 54669. Our leadership team is here to guide you led by CEO Steve Koenen and Board President Tanner Holst, we are committed to making a positive impact on our community. With a net worth of $321,182,498 and cash in hand amounting to $13,546,277, we are well-equipped to offer competitive loans totaling 101,777 across various categories. Whether you're interested in online banking services or want to chat about business loans (with a net member business loan balance of $326,120,158), feel free to reach out! Call us at 608-786-1153 or explore our website at http://www.altra.org for more information on how we can assist you. Join us at Altra Federal Credit Union today where your financial success is our top priority!

Branch History & Mission

A Legacy of Growth

Since opening our doors, Altra has continually evolved to meet the needs of our members. From offering basic savings accounts to providing a wide range of services including auto loans, mortgages, and business banking solutions, we have adapted alongside our community's growth. Today, with total assets exceeding $2.9 billion, we stand as a pillar of financial stability and support in the region. Our headquarters in Onalaska, WI ensures that we remain connected to our roots while expanding our reach and impact throughout La Crosse County and beyond. We are proud to offer modern conveniences like online banking and mobile payments while maintaining personal relationships through face-to-face interactions at our branch.

Commitment to Accessibility

At Altra, we are dedicated to making banking easy for everyone. With features like ADA compliance at our branch and drive-thru services available during convenient hours including Saturdays we strive to ensure every member has access to what they need when they need it. Additionally, with an ATM on-site and shared service center options, your banking experience is both flexible and comprehensive. As we look toward the future, we invite you to become part of the Altra family. Join us today to experience personalized service and innovative financial solutions designed just for you! Whether you're looking for checking accounts, loans, or advice on saving for your future, we're here to help every step of the way. For more information or if you have any questions, feel free to contact us at 608-786-1153. Welcome to Altra Federal Credit Union where your success is our priority!

Our Mission: Empowering Communities

The mission of Altra is clear: to improve the financial well-being of our members and empower them to achieve their goals. We believe that by providing accessible financial services combined with exceptional customer care, we can make a meaningful difference in people's lives. Our focus extends beyond just banking; we actively participate in community outreach programs and partnerships that uplift local organizations and support those in need. While members can visit us at 1400 Waterloo Ave for all their banking needs from deposits to loan applications official correspondence should be sent to the same address as it serves both as our branch and mailing address.

Branch Location & Accessibility

Welcome to Altra Federal Credit Union, conveniently located at 1400 Waterloo Ave in West Salem, WI. Our branch is nestled in the heart of La Crosse County, making it easily accessible for members from nearby neighborhoods and towns. You can find us near local favorites like the West Salem Community Park and the bustling Main Street area, ensuring that your banking needs are just a short drive away. At Altra, we prioritize your convenience. Our branch offers ample parking, and we are proud to be ADA compliant, featuring ramps and accessible entrances to ensure all our members can visit us comfortably. If you're looking for quick banking options, our drive-thru service is ready to assist you during our operating hours: Monday through Thursday from 7 AM to 5:30 PM, Friday from 7 AM to 6:30 PM, and Saturday from 8 AM to noon. Whether you need personal banking services like checking and savings accounts or loans for vehicles and mortgages, our friendly staff is here to help. We also provide ATM services for quick cash withdrawals and basic transactions without stepping inside the branch. Additionally, if you happen to be a member of another participating credit union, you can take advantage of our shared service center for added convenience. While members can visit us at our physical location on Waterloo Ave, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance, feel free to give us a call at 608-786-1153. We look forward to welcoming you into our community-focused environment!

Member Eligibility

At Altra, we believe that everyone deserves a chance to be part of our welcoming community. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in our local area. We aim to support you with a range of financial services designed for your needs, whether you're looking for savings options, loans, or other banking solutions. By joining us at our branch located at 1400 Waterloo Ave West Salem Wi 54669, you'll not only gain access to competitive rates and personalized service but also join a community that truly cares about your financial well-being. To learn more about the specific eligibility criteria, please visit our detailed page at . If you're ready to take the next step toward membership or have any questions, feel free to give us a call at (608) 786-1153. We can't wait to welcome you into the Altra family!

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

In today's fast-paced market, having reliable payment options is key. Our merchant services allow you to accept payments easily, whether it's via card or mobile payments. Imagine a customer making a purchase effortlessly this not only enhances their experience but also increases your sales potential. Join us at Altra and discover how our business banking and commercial services can turn your goals into reality! For more information or to get started, give us a call at (608) 786-1153.

Comprehensive List Of Services

ATM and Cash Withdrawal Services

Accessing cash should be hassle-free. With our ATM services available at multiple locations, including drive-thru banking for quick transactions, getting cash when you need it is simpler than ever. At Altra, we strive to create a welcoming environment where you can find the financial services that best suit your needs. Our dedicated staff is always ready to assist you with any questions or concerns. Feel free to call us at (608) 786-1153 or visit us during our operating hours: - Lobby Hours: Monday-Thursday 9:00 am - 5:30 pm; Friday 9:00 am - 6:00 pm; Saturday 8:00 am - noon. - Drive-Thru Hours: Monday-Thursday 7:00 am - 5:30 pm; Friday 7:00 am - 6:30 pm; Saturday 8:00 am - noon. Join us today at Altra, where your financial well-being is our top priority!

Auto Loans and Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing options make it easier than ever. Picture yourself driving off in that car you've always wanted, all while enjoying affordable payments that fit into your budget. With straightforward loan terms and competitive rates, we help turn dreams into reality.

Business Banking Services

For our business members, Altra provides essential banking services including merchant services and business loans. We know how important it is for local businesses to have reliable financial support, so we offer tailored solutions that cater specifically to small business needs.

Credit Cards with Rewards

Our credit cards come with rewards that benefit you every time you use them. Imagine earning points for travel or cash back simply by making everyday purchases. It's an easy way to enjoy extra perks while managing your spending.

Mortgage Loans and Refinancing

Thinking about buying a home or refinancing your current mortgage? At Altra, we offer comprehensive mortgage solutions that guide you through every step of the process. From pre-approval to closing, our experienced team is here to support you. We understand that purchasing a home is one of the biggest decisions you'll make, and we're here to make it as smooth as possible.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options at Altra Federal Credit Union. Check balances, transfer funds, or pay bills right from your smartphone or computer anytime and anywhere!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, Altra has got you covered. Our personal banking services are designed with you in mind, offering flexibility and convenience. Imagine having a checking account that not only fits your lifestyle but also helps you save for future goals. We provide competitive interest rates on savings accounts, so your money can grow while still being easily accessible.

Personal Loans and Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you can manage those challenges effectively. Whether it's an emergency repair or consolidating higher-interest debts into one manageable payment, we're here to help simplify your finances.

Digital & Online Banking

Convenient Online Access

With our online banking platform available at http://www.altra.org , you can check your balances, transfer funds, and pay bills all from the comfort of your own home. Our 24/7 online banking services mean you can manage your money anytime, anywhere, giving you the flexibility to handle your finances when it suits you best.

Mobile Banking Made Easy

For those who prefer banking on the move, our mobile application is here to help. Available for download, it offers features like mobile payments and person-to-person transfers. You can send money to friends and family with just a few taps on your smartphone. Plus, if you're out shopping or dining, making payments is quick and hassle-free.

Real-Time Account Management

Need to check your account balance or make an urgent payment? No problem! Our user-friendly platform allows for real-time account management so you can stay informed about your financial situation whenever needed. With easy navigation and clear options, managing your money has never felt so straightforward. In summary, Altra is committed to providing accessible and efficient digital banking solutions that empower you to take control of your finances easily and securely. Join us today and experience the convenience of modern banking!

Security You Can Trust

Your security is our top priority. We use electronic signature authorization for transactions to ensure that your information stays safe and sound. With e-statements also available, you can keep track of your finances without worrying about paper clutter while enjoying peace of mind knowing that all communication is secure.

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $296,762,410 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $31,590 in used auto loans and $2,577,869,875 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member Trust

Total Share Accounts stand at 329,166, showcasing a strong and growing member base that trusts us with their finances. Our Net Shares (funds available for lending and investments) amount to $42,821,590, reinforcing our ability to support your financial aspirations. In conclusion, 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 1400 Waterloo Ave West Salem Wi 54669 or call (608) 786-1153 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by our impressive $18,977,818, enabling us to continue offering competitive loan rates and solid financial products tailored for you. We also take pride in having 464 full-time employees and 33 part-time employees ready to assist you with expert knowledge and dedication.

Secure Savings Options

Members' 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.

Solid 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.

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. We provide flexible terms to fit your budget and lifestyle.

Credit Lines

If you need ongoing access to funds for unexpected expenses or projects, our total credit lines amounting to $854,810,373 can provide you with peace of mind and financial flexibility. For business owners, our outstanding commercial loans totaling $304,210,974 provide the capital needed to grow and expand your business. Whether you're looking to invest in equipment or enhance your operations, we've got you covered. At Altra, we believe everyone should have access to reliable financial services that help them thrive. If you're interested in refinancing or want more information about eligibility for any of our loan products, please feel free to reach out. For any inquiries or assistance, contact us at (608) 786-1153 or visit us at our branch located at 1400 Waterloo Ave West Salem Wi 54669 in West Salem, WI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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're here to guide you through every step of the process.

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. This is an excellent option for those looking to consolidate debt or make larger purchases without the burden of secured collateral.

Loan Aggregator

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ALTRA FEDERAL CREDIT UNION