Alternatives is more than your trusted, award-winning Credit Union, founded by local community members over 40 years ago. We’re more than a source of valuable community programs. We’re more than a place where you can bank. We help build wealth and create economic opportunity for underserved communities.
Personal Programs & Resources
Financial Wellness Counseling
We not only provide products and services to our members — we provide full financial support in the form of community programs and educational resources.
Classes and Workshops
Knowledge is power. We arm our members with the knowledge they need to manage their finances efficiently through various classes and workshops.
Personal Member Starter Package
Everything you need to get started with Alternatives Federal Credit Union — in one convenient package.
Personal Lending Options
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.
Personalized Member Experience
We offer checking accounts to anyone who lives in Ithaca, Tompkins County and the adjacent counties of Cayuga, Chemung, Cortland, Schuyler, Seneca, and Tioga.
Free Tax Preparation
We’re there for our members through every stage of life and growth — creating a powerful impact on the communities we serve.
Business Programs & Resources
Business Lending Options
We offer specialized lending to businesses of all shapes and sizes. Please do not hesitate to reach out to us for further financing solutions for your business.
Business Member Banking Experience
Our accounts and services are designed specifically for the needs of businesses — and make it easy for new start-ups to start and stay ahead.
Business Development Program
Business CENTS is the small business development program of Alternatives Federal Credit Union, offering training, consultation, and relationship building opportunities for entrepreneurs. We recognize that the key to moving successfully along the course for business success is knowledge.
Business Training and Education
We understand that training and advising is critical to building successful, long-term relationships with our borrowers. We offer support before, during, and after your loan application.
Business Development Consultation
Need to create or refine your business plan? Are you seeking assistance with marketing, management skills, or bookkeeping? Could you benefit from some one-on-one mentoring or a formal business start-up course? Help is out there! Schedule a phone or video consultation now.
We’re here for you. We value every relationship and evalutate every financial situation on a case-by-case basis. Now, more than ever, we encourage you to reach out to us to explore options available to you or your business.