When we moved to La Crosse we joined Altra 7+ years ago. We have been very happy with their customer service and benefits such as earning interest on checking accounts and auto loan rates. About 4 years ago we moved 3 hours away and while it would have been easier to join a bank or credit union here we chose to stay with Altra. With the online banking and being able to deposit checks through our smart phone it has not hindered us one bit. Since it is a Credit Union they work with others and there is one 10 mins from us that we can use through Altra for deposits and odd checks. We recently applied for an auto loan and were able to get the best rate of 1.89%, the dealer tried to beat it but wasn't even close. They could not believe how low the rate was and at a 78 months term. It was easy to do it over the phone and signed electronically, so we did not have to travel to La Crosse at all. I would highly recommend Altra to anyone looking for a bank or credit union that isn't in it to make a ton of money off you. We haven't had any problems so far!
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We financed my husband's Harley through them on a 5 year loan. We had less than a year to go and never had a late or missed payment. We recieved a letter from them stating if we did not give them our insurance information than we would owe an additional $618 on the loan. I understand a company protecting their investment, but this is the only vehicle loan that we've ever had that required this. We had already given them this information when we first pruchased the vehicle and for them to suddenly want it again or face that much of an additional payment that far into the loan seems a little suspect. I could understand it if we had missed or been late with payments, but that had never happened. We will not be using them again.