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.

“Alternatives worked with me to help get my family a safe and reliable car. I was able to get a great car for a good interest rate.”

Apply for a loan

It takes just a few minutes to complete your application online — get started now!


Financial Wellness

From counseling to credit reporting, we can help you get on a financially healthy path.


Auto loans

Upgrade your vehicle with a competitive rate and flexible terms.*


Personal Loans

Get affordable financing for almost any need.


Home loans

Ready to lay down roots? Alternatives can help you get home.


Energy Efficiency/Solar Loan

Use your home's equity as collateral to secure financing for energy-saving improvements to your house.


Lending for Business

Reach new heights with our competitive financing.


Contact Lending

Have some questions? Contact our lending team today.



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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.