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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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 StoriesLiberate your finances
Utilize our free member resources to help you achieve your financial goals.
News
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 […]
Free Webinar (9/10 or on demand) — Buy It or Lease It? Driving Through Your Options
Purchasing or leasing a vehicle is a decision that impacts your budget, lifestyle, and long-term financial goals. In this informative workshop from our nonprofit partner, […]
💚 We’re honored to be named a 2026 Finger Lakes Favorite!
Thank you to everyone who voted. That recognition means a lot, but what means more is who it’s for: the parent who never thought they’d […]
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.