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 Alternatives Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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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: September 21, 2026
Alternatives Federal Credit Union's 12 Month CD Shares rates are at 3.04%, 24 Month CD Shares rates are at 3.04%, 3 Month CD Shares rates are at 3.04%, 36 Month CD Shares rates are at 3.04%, 48 Month CD Shares rates are at 3.04%. Alternatives Federal Credit Union's savings rates are at 0.05%. Alternatives Federal Credit Union's money market rates are at 0.25%. Alternatives Federal Credit Union's Personal Loan Rates are as low as 9.24%. MonitorBankRates evaluates the financial stability of Alternatives Federal Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.93%. Rates last updated and verified on 09/21/2026. 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. Alternatives Federal Credit Union
Alternatives Federal Credit Union 125 N Fulton St
https://www.alternatives.org Ithaca, NY 14850-3301 
Alternatives Federal Credit Union CD Rates
Alternatives Federal Credit Union Savings Rates
Alternatives Federal Credit Union Money Market Rates
Alternatives Federal Credit Union Checking Rates
Alternatives Federal Credit Union Home Equity & HELOC
Alternatives Federal Credit Union Auto Loan Rates
Alternatives Federal Credit Union Personal Loan Rates
Alternatives Federal Credit Union Other Rates
Financial Health HistoryAlternatives Federal Credit Union’s Texas Ratio rose from 14.31% in Q2 2023 to 19.93% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A- to B. 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. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
4.6 / 5.0 ★
Overall Health & Safety Grade
B (86/100)
Texas Ratio
19.93%
Return on Assets (ROA)
-0.2986%
Return on Equity (ROE)
-3.0584%
Non-Performing Loans Ratio (NPL)
3.72%
Total Assets
162,008,467
Total Amount of Shares and Deposits
145,139,405
Total Shares and Deposits < 1 Year
133,579,197
Total Shares and Deposits 1 3 Years
9,614,198
Total Shares and Deposits > 3 Years
1,946,012
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,587,056
Total Uninsured Shares and Deposits > $250K (F+J)
15,429,843
Total Insured Shares and Deposits > $250K (item 17 less item K)
129,709,562
Total Interest Expense (Sum of items 6 8)
301,802
Share Certificates
1,239
Number of Accounts for Share Drafts
10,903
IRA KEOGH Accounts
500
Number of Accounts for Regular Shares
17,196
All other shares
670
Non Member Deposits
32
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)
14,205,887
Total Liabilities
152,434,607
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Alternatives Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Alternatives Federal Credit Union
Frequently Asked Questions About Alternatives Federal Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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