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ITHACA BRANCH & DRIVE THRU HOURS ARE CHANGING NOVEMBER 2

Beginning November 2: Mon, Tue, Thu & Fri: 9 AM–5 PM | Wed: 9 AM–3 PM | Sat: 10 AM–1 PM Can’t make it before we close? Explore other ways to bank.

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Routing #: 221381867

Breaking Financial Barriers

We specialize in providing affordable financial products and services for people and businesses in low-to-moderate income and marginalized communities.

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How Can We Help You Today?

Credit Union + CDFI

CDFI stands for Community Development Financial Institution. It means we’re designed to make loans in communities mainstream lenders often overlook—and to work with you, not just your credit score.

First-Time Homebuyer Help

Financial assistance and support may be available for first-time homebuyers—or for those who haven’t owned a home in the last 3 years.

Get Loan-Ready

We look beyond credit scores—but a strong application still matters. Get clear steps to improve your chances before you apply.

Financial Education & Coaching (Free 1:1)

Get supportive, judgment-free guidance for your money questions. Confidential and free.

We believe everyone deserves a place to call home.

Most people never think to ask. Hear from three members who did.

Video: Their Stories

Liberate your finances

Utilize our free member resources to help you achieve your financial goals.

Debt Management

Calculators

Coaching

News

October 28

Free Webinar (11/23) — Using Credit Cards: Make Credit Work for You

Upcoming virtual webinar led by our Financial Education Team (recording available) Credit cards can be useful tools, but interest rates, minimum payments, and credit limits […]
September 29

Free Webinar (10/6 or 10/15): Tap Into Wise Credit Card Use

Credit cards can work for you, or against you. It depends on the habits behind them. Join our nonprofit partner, BALANCE, for a free session […]
September 9

Free Webinar (9/28) — Borrowing Basics: How to Prepare to Borrow and Pay Back Money Responsibly

Upcoming virtual webinar led by our Financial Education Team (recording will be available) Taking out a loan means signing your name to a lot of […]

Closing the Wealth Gap for marginalized communities

As a Community Development Financial Institution (CDFI), Alternatives believes in economic justice and embraces the racial, ethnic, socioeconomic, sexual, gender, and religious diversity in our community.