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We are a certified CDFI

As a Community Development Financial Institution (CDFI) we exist to provide fair financial products and services for people in low/moderate-income and marginalized communities.

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We have money to lend

Our loan officers are trained as financial counselors and know you are more than a score. We are here to help you find solutions, not judge you or focus on your past.

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We have education

Whether you want to own your own home, start/expand a business, review your credit report or get out of debt, our team of experts will help you understand your options so you can move forward.

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Mobile App

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In the Spotlight


Alternatives awards grants to BIPOC and women owned businesses and non-profits in Chemung County

 Check out the report from WETM news:

Local Non-Profit Organization awarded $10,000

from Alternatives Federal Credit Union

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Make a choice for a more economically just community.

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Get affordable financing for almost any need.

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