Alternatives Credit Union

Ithaca, New York
Last verified: August 4, 2026
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Verified rate book

Current Alternatives Credit Union rates

23 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

2 offers
Alternatives Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
80% Fixed Rateother6.500% APR6.500%—Standard
90% Fixed Rateother7.000% APR7.000%—Standard

HELOC rates

2 offers
Alternatives Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
80% HELOCheloc_variable6.500% APR6.500%—Standard
90% HELOCheloc_variable7.000% APR7.000%—Standard

Personal loan rates

2 offers
Alternatives Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
TransAction Line of Credit: Line of credit for expenses related to gender-affirming careploc_variable11.200% APR11.200%—Standard
549 Or Lesspersonal16.000% APR16.000%—Standard

Credit card rates

1 offer
Alternatives Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
599 Or Lesscredit_card17.990% APR17.990%—Standard

Savings & CD rates

16 offers
Alternatives Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
$1,000 To $2,499.99savings0.25% APY0.25%—Standard
$2,500 To $9,999.99savings0.40% APY0.40%—Standard
$10,000 To $24,999.99savings0.50% APY0.50%—Standard
$25,000 To $49,999.99savings0.60% APY0.60%—Standard
$50,000 To $99,999.99savings0.70% APY0.70%—Standard
$20,000 Or Greatersavings0.75% APY0.75%—Standard
$5 To $9,999.99savings0.75% APY0.75%—Standard
$10,000 To $19,999.99savings0.75% APY0.75%—Standard
$100,000 Or Greatersavings0.85% APY0.85%—Standard
3-Month Certificatecd_3mo2.00% APY2.00%3 moStandard
24-Month Certificatecd_24mo2.50% APY2.50%24 moStandard
36-Month Certificatecd_36mo2.50% APY2.50%36 moStandard
48-Month Certificatecd_48mo2.50% APY2.50%48 moStandard
60-Month Certificatecd_60mo2.50% APY2.50%60 moStandard
6-Month Certificatecd_6mo2.50% APY2.50%6 moStandard
12-Month Certificatecd_12mo2.50% APY2.50%12 moStandard

As of August 4, 2026, Alternatives Credit Union offers mortgage rates from 6.5% APR. HELOC rates from 6.5% APR. Personal loan rates from 11.2% APR. Credit card rates from 17.99% APR. Savings and certificate yields up to 2.50% APY.

Source: RateAPI.dev, verified from Alternatives Credit Union's official website

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About Alternatives Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
12.3K
Assets
$162M
Founded
1978
Locations reported
2
NCUA charter
23283
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Student scholarships
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Beginnings1030 Craft Road · Ithaca · NY · 14850Branch in the same ZIPTompkins EmployeesTEFCU · Ithaca · NY · 14850-3345Branch in the same ZIPVisionsIthaca · Ithaca · NY · 14850Branch in the same ZIPAmericuCortland · Cortland · NY · 13045About 19.0 miles awayThe SummitCORTLAND · CORTLAND · NY · 13045About 19.0 miles awayCorningHorseheads Branch · Horseheads · NY · 14845-8306About 23.4 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Alternatives Credit Union

Membership eligibility from Alternatives Credit Union's own published criteria. How we verify this.

Membership criteria are published on Alternatives Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Alternatives Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Alternatives Credit Union offer?

Alternatives Credit Union currently offers mortgage, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Alternatives Credit Union rates updated?

RateAPI verifies Alternatives Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Alternatives Credit Union's rate data?

Rate data is collected directly from Alternatives Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Alternatives Credit Union's mortgage rate?

As of August 4, 2026, Alternatives Credit Union offers mortgage rates from 6.5% APR.

What is Alternatives Credit Union's HELOC rate?

As of August 4, 2026, Alternatives Credit Union offers home equity lines of credit from 6.5% APR.

What is Alternatives Credit Union's personal loan rate?

As of August 4, 2026, Alternatives Credit Union offers personal loans from 11.2% APR.

What is Alternatives Credit Union's best CD rate?

As of August 4, 2026, Alternatives Credit Union offers savings and certificate (CD) yields up to 2.50% APY.

Related Rate Data

Compare Alternatives Credit Union's rates against national credit-union benchmarks.

More New York credit unionsMortgage rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Alternatives Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/alternatives" \
  -H "Authorization: Bearer YOUR_API_KEY"
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