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We believe that everyone deserves a second chance to start over financially. Take advantage of this free account and get started on your new journey today.


  • Rebuild your credit
  • No monthly service fee
  • No minimum balance requirements
  • Unlimited check writing
  • Free online access
  • Free mobile access
  • Free eStatements
  • Nationwide Shared Branching via the CO-OP Network
  • No minimum deposit to open

*Deposits will be subject to "exception" holds under our check hold policy for Fresh Start account holders. If the Fresh Start account overdraws during the six month period, it may be closed immediately or the exception hold period may be extended. The Alternatives VISA Debit Card is not available for a savings account, or for the first three months of a Fresh Start checking account. After three months of maintaining a problem-free checking account, you may apply for the Debit Card. Only one Fresh Start Account per person. If the Fresh Start Account is closed due to overdrafts, you may not have another account with Alternatives Federal Credit Union.

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Make a choice for a more economically just community.

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Apply for a loan

Get affordable financing for almost any need.

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