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When you joined this community, we were here ready to help you navigate your personal or business finances. We know what you need during this crisis and are here for with loans, relief programs, financial assistance, free one-on-one counseling and more.

We’re Answering Your Immediate Needs

We realize that the novel coronavirus continues to present increasing stress, challenge, & personal and professional hardship during this unprecedented time. We are here, we care, and we’re listening to your concerns every day, to better understand your varying needs and challenges currently.

Personal Programs & Resources

Loan Payment and our Solutions Team
We’re offering to advance loan due dates and provide further loan flexibility for your current loan programs with us. Lending team staff members are on standby to discuss your particular situation and available options to help you navigate your current financial circumstances.

Alternatives Community Assistance Loan Fund
Alternatives has created the Alternatives Community Assistance LoanFund to help you fill the gaps you may have in paying your bills. This is a 0% loan to help you bring some much-needed stability to your life. Contact us to discuss loan terms and to apply.

AFCU Counseling to Explore Available Funding Options
In a effort to support our mission and provide a resource to members of our community, we have a team of counselors ready to help you get access to a wide variety of Federal, State and local programs.

Fee Relief
Due to the concerns with COVID-19 and to maintain as much flexibility as possible for our members, fees for account transfers, skip payment, wires, non-member check cashing, statements, and Lucky Savers early withdrawal are temporarily waived.

Business Programs & Resources

SBA Paycheck Protection Program (PPP)
Alternatives values the relationship with our business members especially during this challenging time. We are a participating lender in the SBA Paycheck Protection Program (PPP). This program is part of the CARES Act which is designed to assist businesses with certain expenses.

SBA Economic Injury Disaster Loan, EIDL
Loans are available to small businesses and private non-profit organizations to help alleviate economic injury caused by COVID-19. Interest rate is 3.75% with a maxmum term of 30 years, with terms determined on a case-by-case basis. No payments due for the first 12 months. Applications are submitted directly to the SBA.

AFCU Business Counseling & Resources
Many of you have had to close your business or reduce your operations dramatically due to COVID-19. We have a team of professionals in place to help you figure out how to make sense of a world that is changing every day. Our Business Services Team has been offering free 1:1 support through video chat and over the phone for years. We have a range of resources including technical assistance, legal help, networking & support circles, and personalized business guidance. Your business problems are our problems too.

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.

Get in touch
Telephone: (607) 273-4611
Toll free: (877) 273-AFCU
Fax: (607) 277-6391

This credit union is federally insured by the National Credit Union Administration. Deposits insured up to $250,000.

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