A $5 minimum balance is required in regular savings accounts for all Altra members; this is your ownership share in the Credit Union. This account pays dividends quarterly. Any of our savings accounts can be set up for automatic deposits, and most can be used for overdraft protection.
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No minimum balance required. 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.
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Start building a strong financial future today. You'll earn rates comparable to big Banks, but still get Altra's friendly, personal service. $25,000 minimum required, dividends paid monthly.
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Health Savings Accounts (HSAs) are consumer directed health coverage that combines a high-deductible health plan with a tax-free savings account for medical expenses. You must have coverage under an HSA-qualified high deductible health plan to open and contribute to an HSA. The qualified deductible amount changes each year; please check with an Altra Financial Service Representative for the current year’s deductible amount.
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Altra Money Market accounts offer competitive rates, pay dividends monthly, and allow unlimited deposits and in-person withdrawals. All Money Market accounts can be set up as overdraft protection on your Altra Checking account. Altra Money Markets are insured deposits.

Platinum Money Market
This account, with five balance tiers and a $35,000 minimum balance, is designed for the member who wants to maintain or grow substantial liquid assets without risking loss of principal and still earn a competitive market rate. Dividend rates are variable and dividends are paid monthly based on the daily balance in the account; there is no below-minimum-balance fee and no annual management fee. Rate automatically adjusts when your balance increases.

Traditional Money Market
The Traditional Money Market is a perfect choice for beginning savers, with a low minimum balance of $2,500 and competitive rates on three balance tiers. Dividend rates are variable and dividends are paid monthly based on the daily balance in the account; there is no below-minimum-balance fee and no annual management fee. Rate automatically adjusts when your balance increases.

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Choose a 6- to 60-month fixed rate investment with very competitive tiered dividend rates. $1,000 minimum deposit required. Dividends are paid quarterly.
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Step Up Certificate allows a one-time rate change based on the then advertised rate for same term. Along with the one-time rate change, you may also make one additional deposit to the certificate up to the original certificate deposit, not to exceed $50,000.
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For Altra members under age 19. Youth Certificates available with $250 minimum balance and can be added to at any time; same rates and terms as $1,000 minimum balance Certificates.
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Traditional IRA, Roth, Coverdell Education Savings Account... Whatever your choice, Altra can help you save for the future. Your IRA savings are insured separately from your regular savings, offering you an additional $250,000 of protection.

Altra IRA Special Savings
Use an IRA Special Savings account to accumulate retirement funds for a certificate. This account allows you to make deposits throughout the year, then purchase your IRA Certificates when you've accumulated your annual contribution.

Altra IRA Certificates
Choose a term from 12 to 60 months. Our IRA Certificates pay competitive rates, with dividends compounded quarterly. Minimum deposit of $1,000 required

Visit Altra's Retirement Central™ Individual Retirement Arrangement to find answers to the most commonly asked IRA questions.

Visit Altra's Retirement Central Planning Tools to for a wide-variety of planning tools covering numerous aspects of retirement planning, from selecting the best type of IRA to designing a retirement income strategy that best fits your personal objectives.

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Retirement Central™ gives you practical ideas you can apply today to help you achieve financial security in retirement.