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MEMBER PROFILE
Bonnie Comella A Home Expansion Experience

Bonnie and her husband Mike came to Alternatives after researching their options for home expansion. "The Future Value Home Equity Line of Credit seemed to be just what we were looking for," Bonnie told us. "We were so relieved to find a financial institution that was willing to see our expansion as home equity and not new construction! We loved the relaxed and helpful atmosphere. It left us feeling like the Credit Union wanted to do business with us - not just make a loan.

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Business


BUSINESS SERVICES
Over twenty years ago a group of small businesses wanted to expand and couldn't get capital from the banking system.

Alternatives Federal Credit Union was chartered to address that problem. It's stated directly in our Mission Statement: Alternatives provides "Capital investments in individuals, small business and non-profits." Serving small business, as well as non-profits, is promoting smart community development. Small businesses, especially start-ups, are engines of local economic development. Small businesses play a major role in job crea-tion in New York, creating 80% of all new jobs.

Most banks ignore businesses when they have less than a million dollars in annual sales. Small business or "micro-enterprise" lending is our specialty. Alternatives designs products and services to meet the needs of small businesses: retail, service, small manufacturers, home-based businesses, cooperatives, worker-owned businesses, non-profits and start-ups.

Find out about our business loans. We're committed to lending to small businesses. We offer great services for businesses.