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Alternatives Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Alternatives Federal Credit Union's top rates as of October 9, 2026 are 3.04% APY on its 12 Month CD Shares, 0.75% APY on savings, 0.85% APY on money market accounts, 0.05% APY on checking, and personal loans from 9.24% APR, according to rates verified by MonitorBankRates. Other Alternatives Federal Credit Union CD rates include 24 Month CD Shares at 3.04%, 3 Month CD Shares at 3.04%, and 36 Month CD Shares at 3.04%. MonitorBankRates evaluates the financial stability of Alternatives Federal Credit Union with a 3.8 Star Rating, an C Overall Health Grade, and a Texas Ratio of 29.04%. Rates last updated and verified on 10/09/2026.

Alternatives Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alternatives Federal Credit Union? Share your experience about Alternatives Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Alternatives Federal Credit Union.

Overall Health & Safety Grade ?
C
Average Health Score: 74/100
MonitorBankRates Rating ?
3.8
Very Good Out of 5.0 Stars
Texas Ratio ?
29.04%
Good Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Alternatives Federal Credit Union
Alternatives Federal Credit Union
125 N Fulton St
Ithaca, NY 14850-3301
https://www.alternatives.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Alternatives Federal Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate Shares 3.00% 3.04% 12 months
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
24 Month Certificate Shares 3.00% 3.04% 24 months
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
3 Month Certificate Shares 3.00% 3.04% 3 months
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
36 Month Certificate Shares 3.00% 3.04% 36 months
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
48 Month Certificate Shares 3.00% 3.04% 48 months
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
6 Month Certificate Shares 3.00% 3.04% 6 months
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
60 Month Certificate Shares 3.00% 3.04% 60 months
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 21, 2026: 3.04% APYSep 21, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%

Alternatives Federal Credit Union Savings Rates

Product Rate APY View More
IRA Savings 0.75% 0.75%
Min Balance $5
Details Balance: $5.00 - $9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
IRA Savings 0.75% 0.75%
Min Balance $10,000
Details Balance: $10,000.00 - $19,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
IRA Savings 0.75% 0.75%
Min Balance $20,000
Details Balance: $20,000.00 or greater
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Club Account, Homebuyers Club Account 0.15% 0.15%
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Lucky Savers Certificate 0.15% 0.15%
Min Balance $25
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Student Credit Union Youth Savings 0.15% 0.15%
Min Balance $1
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Regular Share Savings 0.05% 0.05%
Min Balance $10,000
Details Balance: $10,000.00 - $19,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Regular Share Savings 0.05% 0.05%
Min Balance $20,000
Details Balance: $20,000.00 and over
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Regular Share Savings 0.05% 0.05%
Min Balance $5
Details Balance: $5.00 - $9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%

Alternatives Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.85% 0.85%
Min Balance $100,000
Details Balance: $100,000 or greater
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 7 times
0.35%0.85%1.35%Sep 14, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Money Market 0.70% 0.70%
Min Balance $50,000
Details Balance: $50,000 to $99,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 7 times
0.20%0.70%1.20%Sep 14, 2026: 0.70% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Money Market 0.60% 0.60%
Min Balance $25,000
Details Balance: $25,000 to $49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Money Market 0.50% 0.50%
Min Balance $10,000
Details Balance: $10,000 to $24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Money Market 0.40% 0.40%
Min Balance $2,500
Details Balance: $2,500 to $9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Money Market 0.25% 0.25%
Min Balance $1,000
Details Balance: $1,000 to $2,499.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%

Alternatives Federal Credit Union Checking Rates

Product Rate APY View More
Checking/Share Draft 0.05% 0.05%
Min Balance $5
Details Balance: $5 to $9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Checking/Share Draft 0.05% 0.05%
Min Balance $10,000
Details Balance: $10,000 to $19,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Checking/Share Draft 0.05% 0.05%
Min Balance $20,000
Details Balance: $20,000 and over
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%

Alternatives Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity 80% HELOC Second Mortgage 6.50% - 6.50% 20 years
Details Yearly adjustable rate - the first year starts at
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Oct 5, 2026: 6.50% APROct 5, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Home Equity 90% HELOC Second Mortgage 7.00% - 7.00% 20 years
Details Yearly adjustable rate - the first year starts at
Last Updated 10/09/2026
Rate History
No change since Oct 5, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 5, 2026: 7.00% APROct 5, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%

Alternatives Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 9.24% 12 months
Details Credit Bureau Score: 740+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.24% APR · checked 8 times
8.74%9.24%9.74%Sep 14, 2026: 9.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 9.49% Up to 24 months
Details Credit Bureau Score: 740+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 8 times
8.99%9.49%9.99%Sep 14, 2026: 9.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 9.74% 12 months
Details Credit Bureau Score: 680 - 739
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 8 times
9.24%9.74%10.24%Sep 14, 2026: 9.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 9.99% Up to 36 months
Details Credit Bureau Score: 740+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 10.24% Up to 48-60 months
Details Credit Bureau Score: 740+
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.74% → 10.24% ▼ 1.50 pts · high 11.74% / low 10.24%
8.74%10.99%13.24%Sep 14, 2026: 11.74% APRSep 17, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202610.24%▼ from 11.74%
  • Sep 14, 202611.74%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 10.24% Up to 24 months
Details Credit Bureau Score: 680 - 739
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.49% → 10.24% ▲ 0.75 pts · high 10.24% / low 9.49%
8.74%9.87%10.99%Sep 14, 2026: 9.49% APRSep 17, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202610.24%▲ from 9.49%
  • Sep 14, 20269.49%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 10.49% Up to 36 months
Details Credit Bureau Score: 680 - 739
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 8 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 11.24% 12 months
Details Credit Bureau Score: 640 - 679
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 8 times
10.74%11.24%11.74%Sep 14, 2026: 11.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 11.74% Up to 48-60 months
Details Credit Bureau Score: 680 - 739
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.74% APR · checked 8 times
11.24%11.74%12.24%Sep 14, 2026: 11.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 12.49% Up to 24 months
Details Credit Bureau Score: 640 - 679
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 8 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 13.49% Up to 36 months
Details Credit Bureau Score: 640 - 679
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 13.49% APR · checked 8 times
12.99%13.49%13.99%Sep 14, 2026: 13.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 13.99% 12 months
Details Credit Bureau Score: 600 - 639
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 13.99% → 13.99% ▼ 0.00 pts · high 16.00% / low 13.99%
11.98%15.00%18.01%Sep 14, 2026: 13.99% APROct 5, 2026: 16.00% APROct 9, 2026: 13.99% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202613.99%▼ from 16.00%
  • Oct 5, 202616.00%▲ from 13.99%
  • Sep 14, 202613.99%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 14.49% Up to 48-60 months
Details Credit Bureau Score: 640 - 679
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 14.49% APR · checked 8 times
13.99%14.49%14.99%Sep 14, 2026: 14.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 15.24% Up to 24 months
Details Credit Bureau Score: 600 - 639
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 15.24% → 15.24% ▼ 0.00 pts · high 16.00% / low 15.24%
14.48%15.62%16.76%Sep 14, 2026: 15.24% APROct 5, 2026: 16.00% APROct 9, 2026: 15.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202615.24%▼ from 16.00%
  • Oct 5, 202616.00%▲ from 15.24%
  • Sep 14, 202615.24%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 15.49% Up to 36 months
Details Credit Bureau Score: 600 - 639
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 15.49% → 15.49% ▼ 0.00 pts · high 16.00% / low 15.49%
14.98%15.75%16.51%Sep 14, 2026: 15.49% APROct 5, 2026: 16.00% APROct 9, 2026: 15.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202615.49%▼ from 16.00%
  • Oct 5, 202616.00%▲ from 15.49%
  • Sep 14, 202615.49%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 15.74% Up to 48-60 months
Details Credit Bureau Score: 600 - 639
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 15.74% → 15.74% ▼ 0.00 pts · high 16.00% / low 15.74%
15.24%15.87%16.50%Sep 14, 2026: 15.74% APROct 5, 2026: 16.00% APROct 9, 2026: 15.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202615.74%▼ from 16.00%
  • Oct 5, 202616.00%▲ from 15.74%
  • Sep 14, 202615.74%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 16.00% 12 months
Details Credit Bureau Score: 550 - 599
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 13.99% → 16.00% ▲ 2.01 pts · high 16.00% / low 13.99%
11.98%15.00%18.01%Sep 14, 2026: 13.99% APRSep 17, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202616.00%▲ from 13.99%
  • Sep 14, 202613.99%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 16.00% Up to 24 months
Details Credit Bureau Score: 550 - 599
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 15.24% → 16.00% ▲ 0.76 pts · high 16.00% / low 15.24%
14.48%15.62%16.76%Sep 14, 2026: 15.24% APRSep 17, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202616.00%▲ from 15.24%
  • Sep 14, 202615.24%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 16.00% Up to 36 months
Details Credit Bureau Score: 550 - 599
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 15.49% → 16.00% ▲ 0.51 pts · high 16.00% / low 15.49%
14.98%15.75%16.51%Sep 14, 2026: 15.49% APRSep 17, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202616.00%▲ from 15.49%
  • Sep 14, 202615.49%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Personal Loans 16.00% Up to 48-60 months
Details Credit Bureau Score: 550 - 599
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 15.74% → 16.00% ▲ 0.26 pts · high 16.00% / low 15.74%
15.24%15.87%16.50%Sep 14, 2026: 15.74% APRSep 17, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202616.00%▲ from 15.74%
  • Sep 14, 202615.74%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%

Alternatives Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
APR 48 months Loan - - 8.24% 48 months
Details Credit Bureau Score: 740+
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.24% APR
7.74%8.24%8.74%Oct 9, 2026: 8.24% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 48 months Loan - - 9.49% 48 months
Details Credit Bureau Score: 680-739
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.49% APR
8.99%9.49%9.99%Oct 9, 2026: 9.49% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 48 months Loan - - 10.74% 48 months
Details Credit Bureau Score: 640-679
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.74% APR
10.24%10.74%11.24%Oct 9, 2026: 10.74% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 48 months Loan - - 11.24% 48 months
Details Credit Bureau Score: 600-639
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.24% APR
10.74%11.24%11.74%Oct 9, 2026: 11.24% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 60 months Loan - - 9.49% 60 months
Details Credit Bureau Score: 740+
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.49% APR
8.99%9.49%9.99%Oct 9, 2026: 9.49% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 60 months Loan - - 10.74% 60 months
Details Credit Bureau Score: 680-739
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.74% APR
10.24%10.74%11.24%Oct 9, 2026: 10.74% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 60 months Loan - - 11.99% 60 months
Details Credit Bureau Score: 640-679
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 9, 2026: 11.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 60 months Loan - - 12.49% 60 months
Details Credit Bureau Score: 600-639
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 12.49% APR
11.99%12.49%12.99%Oct 9, 2026: 12.49% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 72 months Loan - - 10.74% 72 months
Details Credit Bureau Score: 740+
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.74% APR
10.24%10.74%11.24%Oct 9, 2026: 10.74% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 72 months Loan - - 11.99% 72 months
Details Credit Bureau Score: 680-739
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 9, 2026: 11.99% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 72 months Loan - - 12.24% 72 months
Details Credit Bureau Score: 640-679
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 12.24% APR
11.74%12.24%12.74%Oct 9, 2026: 12.24% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
APR 72 months Loan - - 13.74% 72 months
Details Credit Bureau Score: 600-639
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 13.74% APR
13.24%13.74%14.24%Oct 9, 2026: 13.74% APROct 9, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Back on Track Loan - - 9.00% Up to 48 months
Details For expenses such as medical, dental, veterinary or car repairs. Documentation required. Maximum loan $4,000.00
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 8 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score 599 or less Loan - - 17.99%
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 17.99% APR · checked 6 times
17.49%17.99%18.49%Sep 17, 2026: 17.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score 600-639 Loan - - 11.49% 60 months
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 13.24% → 11.49% ▼ 1.75 pts · high 13.24% / low 11.49%
9.74%12.37%14.99%Sep 14, 2026: 13.24% APRSep 17, 2026: 12.49% APRSep 18, 2026: 13.24% APROct 5, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 202611.49%▼ from 13.24%
  • Sep 18, 202613.24%▲ from 12.49%
  • Sep 17, 202612.49%▼ from 13.24%
  • Sep 14, 202613.24%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score 600-639 Loan - - 16.99%
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 16.99% APR · checked 6 times
16.49%16.99%17.49%Sep 17, 2026: 16.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score 640-679 Loan - - 10.24% 60 months
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 11.24% → 10.24% ▼ 1.00 pts · high 11.99% / low 10.24%
8.49%11.12%13.74%Sep 14, 2026: 11.24% APRSep 17, 2026: 11.99% APRSep 18, 2026: 11.24% APROct 5, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 202610.24%▼ from 11.24%
  • Sep 18, 202611.24%▼ from 11.99%
  • Sep 17, 202611.99%▲ from 11.24%
  • Sep 14, 202611.24%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score 640-679 Loan - - 14.99%
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 14.99% APR · checked 6 times
14.49%14.99%15.49%Sep 17, 2026: 14.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score 680-739 Loan - - 9.99% 60 months
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score 680-739 Loan - - 12.99%
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 12.99% APR · checked 6 times
12.49%12.99%13.49%Sep 17, 2026: 12.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score 740+ Loan - - 8.24% 60 months
Last Updated 10/09/2026
Rate History
4 changes since Sep 14, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 9.49% / low 5.49%
1.49%7.49%13.49%Sep 14, 2026: 7.99% APRSep 17, 2026: 8.24% APRSep 21, 2026: 9.49% APROct 5, 2026: 5.49% APROct 9, 2026: 8.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.24%▲ from 5.49%
  • Oct 5, 20265.49%▼ from 9.49%
  • Sep 21, 20269.49%▲ from 8.24%
  • Sep 17, 20268.24%▲ from 7.99%
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score 740+ Loan - - 10.99%
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 17, 2026: 10.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 9.99% 36 Months
Details Credit Bureau Score*: 740+
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 9.99% APR · checked 3 times
9.49%9.99%10.49%Sep 17, 2026: 9.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 10.24% 48 Months
Details Credit Bureau Score*: 740+
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.24% → 10.24% ▲ 2.00 pts · high 10.24% / low 8.24%
6.24%9.24%12.24%Sep 14, 2026: 8.24% APRSep 17, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202610.24%▲ from 8.24%
  • Sep 14, 20268.24%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 10.24% 60 Months
Details Credit Bureau Score*: 740+
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 12.49% → 10.24% ▼ 2.25 pts · high 12.49% / low 10.24%
7.99%11.37%14.74%Sep 14, 2026: 12.49% APRSep 17, 2026: 10.24% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202610.24%▼ from 12.49%
  • Sep 14, 202612.49%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 10.49% 36 Months
Details Credit Bureau Score*: 680 - 739
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 10.49% APR · checked 3 times
9.99%10.49%10.99%Sep 17, 2026: 10.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 11.74% 48 Months
Details Credit Bureau Score*: 680 - 739
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.24% → 11.74% ▲ 0.50 pts · high 11.74% / low 11.24%
10.74%11.49%12.24%Sep 14, 2026: 11.24% APRSep 17, 2026: 11.74% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202611.74%▲ from 11.24%
  • Sep 14, 202611.24%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 11.74% 60 Months
Details Credit Bureau Score*: 680 - 739
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 12.49% → 11.74% ▼ 0.75 pts · high 12.49% / low 11.74%
10.99%12.12%13.24%Sep 14, 2026: 12.49% APRSep 17, 2026: 11.74% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202611.74%▼ from 12.49%
  • Sep 14, 202612.49%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 13.49% 36 Months
Details Credit Bureau Score*: 640 - 679
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 13.49% APR · checked 3 times
12.99%13.49%13.99%Sep 17, 2026: 13.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 14.49% 48 Months
Details Credit Bureau Score*: 640 - 679
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.24% → 14.49% ▲ 3.25 pts · high 14.49% / low 11.24%
7.99%12.87%17.74%Sep 14, 2026: 11.24% APRSep 17, 2026: 14.49% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202614.49%▲ from 11.24%
  • Sep 14, 202611.24%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 14.49% 60 Months
Details Credit Bureau Score*: 640 - 679
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 12.49% → 14.49% ▲ 2.00 pts · high 14.49% / low 12.49%
10.49%13.49%16.49%Sep 14, 2026: 12.49% APRSep 17, 2026: 14.49% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202614.49%▲ from 12.49%
  • Sep 14, 202612.49%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 15.49% 36 Months
Details Credit Bureau Score*: 600 - 639
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 15.49% APR · checked 3 times
14.99%15.49%15.99%Sep 17, 2026: 15.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 15.74% 48 Months
Details Credit Bureau Score*: 600 - 639
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.24% → 15.74% ▲ 4.50 pts · high 15.74% / low 11.24%
6.74%13.49%20.24%Sep 14, 2026: 11.24% APRSep 17, 2026: 15.74% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202615.74%▲ from 11.24%
  • Sep 14, 202611.24%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 15.74% 60 Months
Details Credit Bureau Score*: 600 - 639
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 12.49% → 15.74% ▲ 3.25 pts · high 15.74% / low 12.49%
9.24%14.12%18.99%Sep 14, 2026: 12.49% APRSep 17, 2026: 15.74% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202615.74%▲ from 12.49%
  • Sep 14, 202612.49%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 16.00% 36 Months
Details Credit Bureau Score*: 550 - 599
Last Updated 10/09/2026
Rate History
No change since Sep 17, 2026 · 16.00% APR · checked 3 times
15.50%16.00%16.50%Sep 17, 2026: 16.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 16.00% 48 Months
Details Credit Bureau Score*: 550 - 599
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.24% → 16.00% ▲ 4.76 pts · high 16.00% / low 11.24%
6.48%13.62%20.76%Sep 14, 2026: 11.24% APRSep 17, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202616.00%▲ from 11.24%
  • Sep 14, 202611.24%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Credit Bureau Score Loan - - 16.00% 60 Months
Details Credit Bureau Score*: 550 - 599
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 12.49% → 16.00% ▲ 3.51 pts · high 16.00% / low 12.49%
8.98%14.25%19.51%Sep 14, 2026: 12.49% APRSep 17, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202616.00%▲ from 12.49%
  • Sep 14, 202612.49%first recorded
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Line of Credit - - 14.25% Revolving
Details No annual fee. With or without Alternatives VISA Debit Card.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 14.25% APR · checked 8 times
13.75%14.25%14.75%Sep 14, 2026: 14.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
TransAction Line of Credit - - 11.20% Revolving
Details Line of credit for expenses related to gender-affirming care
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.20% APR · checked 8 times
10.70%11.20%11.70%Sep 14, 2026: 11.20% APRSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Goal Getter Certificate 4.00% - 4.00%
Min Balance $50
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
3.8
Star Rating
C
Health Grade
◈ Texas Ratio: 29.04%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Alternatives Federal Credit Union’s Texas Ratio rose from 17.16% in Q3 2023 to 29.04% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 3.8 and its Health Grade from B+ to C. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 11% 2.0★ 22% 3.0★ 32% 4.0★ 43% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 17.16% B+ Q3 2023 B+ Q4 2023 A Q1 2024 B- Q2 2024 B- Q3 2024 C+ Q4 2024 B+ Q1 2025 C Q2 2025 C Q3 2025 D Q4 2025 B Q1 2026 29.04% C Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$161M29.04%3.8C
March 31, 2026$162M19.93%4.6B
December 31, 2025$164M32.04%3.6D
September 30, 2025$166M26.98%4.0C
June 30, 2025$167M27.96%3.9C
March 31, 2025$169M18.55%4.7B+
December 31, 2024$166M24.59%4.2C+
September 30, 2024$166M23.62%4.3B-
June 30, 2024$168M23.15%4.3B-
March 31, 2024$147M13.71%5.0A
December 31, 2023$151M17.95%4.8B+
September 30, 2023$154M17.16%4.8B+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Alternatives Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Alternatives Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Alternatives Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alternatives Federal Credit Union
Website https://www.alternatives.org
Address 125 N Fulton St, Ithaca, NY 14850-3301
Phone 607-273-4611
Fax 607-277-6391
President Brian DeYoung
CEO Kevin Mietlicki
Full-Time Employees 52
Part-Time Employees 2
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
3.8 / 5.0 ★
Overall Health & Safety Grade
C (74/100)
Texas Ratio
29.04%
Return on Assets (ROA)
-0.5047%
Return on Equity (ROE)
-5.7181%
Non-Performing Loans Ratio (NPL)
4.71%
Total Assets
161,448,425
Total Amount of Shares and Deposits
144,511,707
Total Shares and Deposits < 1 Year
133,543,162
Total Shares and Deposits 1 3 Years
9,664,372
Total Shares and Deposits > 3 Years
1,304,173
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,985,019
Total Uninsured Shares and Deposits > $250K (F+J)
15,062,671
Total Insured Shares and Deposits > $250K (item 17 less item K)
129,449,036
Total Interest Expense (Sum of items 6 8)
580,774
Share Certificates
1,211
Number of Accounts for Share Drafts
10,969
IRA KEOGH Accounts
489
Number of Accounts for Regular Shares
17,065
All other shares
669
Non Member Deposits
31
Money Market Shares
54
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,880,123
Total Liabilities
152,000,058
Source: NCUA — Last Updated 06/30/2026

Customer Reviews

There are no reviews for Alternatives Federal Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Alternatives Federal Credit Union

How many branches does Alternatives Federal Credit Union operate?

Alternatives Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Alternatives Federal Credit Union?

Yes, to access services at Alternatives Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Alternatives Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Alternatives Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Alternatives Federal Credit Union offer online and mobile banking?

Most modern institutions like Alternatives Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.alternatives.org.

Current Alternatives Federal Credit Union Rates

  • 12-Month CD3.04%
  • 24-Month CD3.04%
  • 60-Month CD3.04%
  • Savings0.75%
  • MMA0.85%
Retrieved from our database of financial products. Rates subject to change.

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