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Altana Federal Credit Union Rates & Review March 2026

Altana Federal Credit Union's 12 Month CDs rates are at 3.69%, 18 Month CDs rates are at 3.69%, 24 Month CDs rates are at 3.69%, 36 Month CDs rates are at 3.69%, 6 Month CDs rates are at 3.69%. Altana Federal Credit Union's savings rates are at 0.03%. Altana Federal Credit Union's money market rates are at 0.03%. Altana Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Altana Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.84%. Rates were last updated on 03/16/2026.

Altana Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Altana Federal Credit Union? Share your experience about Altana Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Altana Federal Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.84%
Excellent Lower than avg
National Bank of Middlebury
Altana FCU West End
3212 Central Ave
Billings, MT 59102 6646
http://www.altanafcu.org
Member NCUA

Altana Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificates 3.63% 3.69% 12
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
18 Month Certificates 3.63% 3.69% 18
Min Deposit $100,000
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
24 Month Certificates 3.63% 3.69% 24
Min Deposit $100,000
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
36 Month Certificates 3.63% 3.69% 36
Min Deposit $100,000
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
6 Month Certificates 3.63% 3.69% 6
Min Deposit $100,000
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
60 Month Certificates 3.63% 3.69% 60
Min Deposit $100,000
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 12 Month Certificates 3.63% 3.69% 12
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 24 Month Certificates 3.63% 3.69% 24
Min Deposit $100,000
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 36 Month Certificates 3.63% 3.69% 36
Min Deposit $100,000
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 60 Month Certificates 2.66% 3.69% 60
Min Deposit $100,000
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Student Certificates 12 month 3.63% 3.69% 12
Min Deposit $100
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
18 Month Certificates 3.44% 3.49% 18
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
24 Month Certificates 3.44% 3.49% 24
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
36 Month Certificates 3.44% 3.49% 36
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
6 Month Certificates 3.44% 3.49% 6
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
60 Month Certificates 3.44% 3.49% 60
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 24 Month Certificates 3.44% 3.49% 24
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 36 Month Certificates 3.44% 3.49% 36
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 60 Month Certificates 3.44% 3.49% 60
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
18 Month Certificates 3.07% 3.14% 18
Min Deposit $25,000
Min Balance $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
24 Month Certificates 3.10% 3.14% 24
Min Deposit $25,000
Min Balance $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
36 Month Certificates 3.10% 3.14% 36
Min Deposit $25,000
Min Balance $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
6 Month Certificates 3.10% 3.14% 6
Min Deposit $25,000
Min Balance $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
60 Month Certificates 3.10% 3.14% 60
Min Deposit $25,000
Min Balance $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 24 Month Certificates 3.10% 3.14% 24
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 36 Month Certificates 3.10% 3.14% 36
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 60 Month Certificates 3.10% 3.14% 60
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Student Certificates 6 month 2.81% 2.85% 6
Min Deposit $100
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
18 Month Certificates 2.76% 2.79% 18
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
24 Month Certificates 2.76% 2.79% 24
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
36 Month Certificates 2.76% 2.79% 36
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
6 Month Certificates 2.76% 2.79% 6
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
60 Month Certificates 2.76% 2.79% 60
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
18 Month Certificates 2.61% 2.64% 18
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
24 Month Certificates 2.61% 2.64% 24
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
36 Month Certificates 2.61% 2.64% 36
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
6 Month Certificates 2.61% 2.64% 6
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
60 Month Certificates 2.61% 2.64% 60
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 24 Month Certificates 2.61% 2.64% 24
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 36 Month Certificates 2.61% 2.64% 36
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
IRA 60 Month Certificates 2.61% 2.64% 60
Min Deposit $500
Min Balance $500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%

Altana Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 2.75% 2.75%
Details up to $5,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Metro Savings 2.13% 2.15%
Details ADB Under $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Wealth Builder Plus Savings Account 2.13% 2.15%
Details $2,500 - $19,999
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Wealth Builder Savings Account 2.13% 2.15%
Details up to $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Metro Savings 0.03% 0.03%
Details $10,001+
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%

Altana Federal Credit Union Money Market Rates

Product Rate APY View More
ACE Money Market 3.15% 3.20%
Details $250,000+
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Max Money Market 2.67% 2.70%
Details $100,000 - $249,999.99
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Sam Money Market 2.67% 2.70%
Details $100,000+
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Sam Money Market 2.47% 2.50%
Details $75,000 - $99,999.99
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Sam Money Market 2.23% 2.25%
Details $50,000 - $74,999.99
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Sam Money Market 1.98% 2.00%
Details $25,000 - $49,999.99
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
ACE Money Market 0.50% 0.50%
Details ADB under $250,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Max Money Market 0.03% 0.03%
Details ADB under $99,999.99
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Sam Money Market 0.03% 0.03%
Details ADB under $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%

Altana Federal Credit Union Checking Rates

Product Rate APY View More
Xtra Cash Checking - 4.00%
Details Qualifications Required: At least 10 debit card purchases (must post and settle); Be enrolled in and log into online banking (mobile too!) at least once a month; At least 1 bill pay or automatic payment transaction; Qualifying balance up to $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%

Altana Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
5/5/5 ARM - 1st Mortgage - - 4.50% 5/15
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
10 Year Fixed - 1st Mortgage - - 4.99% 120
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%

Altana Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - Fixed - - 5.75% 60
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Home Equity - Fixed - - 6.50% 120
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Home Equity - Fixed - - 7.25% 180
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%
Home Equity Line of Credit - Variable - - 7.25% 180
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%

Altana Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loans - 9.99%
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.84%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Altana Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Altana Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Altana Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Altana Federal Credit Union
Address 3212 Central Ave, Billings, MT 59102 6646
Phone 406-651-2328
Fax 406-651-2359
President William Pedersen
CEO Jason Hagadone
Full-Time Employees 130
Part-Time Employees 2
Branch Locations 11
ATM Locations 10
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.84%
Return on Assets (ROA)
0.7069%
Return on Equity (ROE)
6.1907%
Non-Performing Loans Ratio (NPL)
0.86%
Total Assets
615,096,046
Total Amount of Shares and Deposits
541,997,645
Total Shares and Deposits < 1 Year
532,647,586
Total Shares and Deposits 1 3 Years
9,195,477
Total Shares and Deposits > 3 Years
154,582
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
43,219,907
Total Uninsured Shares and Deposits > $250K (F+J)
43,219,907
Total Insured Shares and Deposits > $250K (item 17 less item K)
498,777,738
Total Interest Expense (Sum of items 6 8)
7,015,165
Share Certificates
4,188
Number of Accounts for Share Drafts
21,778
IRA KEOGH Accounts
1,246
Number of Accounts for Regular Shares
50,270
Money Market Shares
1,085
Net Income (unless the amount is already included in Undivided Earnings)
4,347,808
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
42,889,504
Total Liabilities
545,848,410
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Altana Federal Credit Union

Is Altana Federal Credit Union a safe place to deposit money?

Yes, Altana Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.8442134552215%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Altana Federal Credit Union operate?

Altana Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Altana Federal Credit Union?

Yes, to access services at Altana Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Altana Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Altana Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Altana Federal Credit Union offer online and mobile banking?

Most modern institutions like Altana Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.altanafcu.org.

Current Altana Federal Credit Union Rates

  • 12-Month CD3.69%
  • 18-Month CD2.64%
  • 24-Month CD2.64%
  • 60-Month CD2.64%
  • Savings0.03%
  • MMA0.03%
Retrieved from our database of financial products. Rates subject to change.