We believe that responsible borrowing gives people a way to move towards financial self-sufficiency and when used responsibly, can be a positive strategy towards building wealth.
It takes just a few minutes to complete your application online — get started now!More
From counseling to credit reporting, we can help you get on a financially healthy path.More
Upgrade your vehicle with a competitive rate and flexible terms.*More
Get affordable financing for almost any need.More
Ready to lay down roots? Alternatives can help you get home.More
Use your home's equity as collateral to secure financing for energy-saving improvements to your house.More
Reach new heights with our competitive financing.More
Have some questions? Contact our lending team today.More
Don't fall behind—skip a payment on eligible loans with SkipPayment.More
Alternatives makes credit available quickly, to as many members as possible, over a wide range of credit standings, at excellent rates.
Notice to out of area applicants
Alternatives Federal Credit Union is a regional credit union. We offer a full range of banking services to anyone who lives in Ithaca, Tompkins County and the adjacent counties of Cayuga, Chemung, Cortland, Schuyler, Seneca, and Tioga. For people living outside this area, we offer savings accounts and certificates. Some loan services are available after two years membership.