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Personal Loan Information
Personal Loan
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Pre-approval Offer
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Please answer the following question(s)
Please select a purpose for the loan that best fits your need*
If approved, would you be interested in automatic payments?*
Are you interested in Life or Disability Insurance for this loan?*
Do you have any questions or comments for the Consumer Lending Team?
To verify your identity, please provide the following information:
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Applicant Information
Tell Us About Yourself
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Reference Information
Contact Information
Current Physical Address
Identification
Financial Information
Monthly Expenses
Upload Documents
Upload documents to your loan application.
Declaration
1. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
Additional Information
Demographic data (such as race) collected on loan or account applications is used to help AFCU measure progress towards meeting our mission: To help build and protect wealth for people with diverse identities who have been historically marginalized by the financial industry, especially those with low wealth or identifying as Black, indigenous, or people of color. The information you provide helps show whether we are meeting the needs of our community and if improvements may be necessary to meet our mission. Your information will be kept confidential and answers to demographic questions will not affect the outcome of your loan or account application. AFCU lends in compliance with the Equal Credit Opportunity Act (ECOA).
Have you had a bank account in the last 12 months?*
How many people are in your Household?*
What is your total annual Household gross income?*
I identify my gender as:*
Please choose the option(s) that best describes your racial background:*
Please choose the option that best describes your ethnic background:*
What county do you live in?*
Do you have a disability?*
Do you have a bank account but also regularly use any of the following financial services: check cashing, money orders, or payday loans?*
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Additional Applicant Information
About Your Additional Applicant
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SSN IconQuestion
Reference Information
Contact Information
Current Address
Identification
Financial Information
Monthly Expenses
Upload Documents
Upload documents to your loan application.
Co/Joint Declarations
1. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
Additional Information
Demographic data (such as race) collected on loan or account applications is used to help AFCU measure progress towards meeting our mission: To help build and protect wealth for people with diverse identities who have been historically marginalized by the financial industry, especially those with low wealth or identifying as Black, indigenous, or people of color. The information you provide helps show whether we are meeting the needs of our community and if improvements may be necessary to meet our mission. Your information will be kept confidential and answers to demographic questions will not affect the outcome of your loan or account application. AFCU lends in compliance with the Equal Credit Opportunity Act (ECOA).
Have you had a bank account in the last 12 months?*
How many people are in your Household?*
What is your total annual Household gross income?*
I identify my gender as:*
Please choose the option(s) that best describes your racial background:*
Please choose the option that best describes your ethnic background:*
What county do you live in?*
Do you have a disability?*
Do you have a bank account but also regularly use any of the following financial services: check cashing, money orders, or payday loans?*
Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Deposit Account Information
The DA Information content will be added here
Review and Submit
Review and Submit
Branch Selection
Personal Loan Information
Additional Loan Information
Applicant Information
Reference Information
Applicant Contact Information
Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Eligibility
Because membership is required to take advantage of this wonderful loan product, please tell us how you qualify for membership.
I live in one of the following counties: Tompkins, Monroe, Broome, Cayuga, Chemung, Cortland, Genesee, Livingston, Onondaga, Ontario, Orleans, Schuyler, Seneca, Steuben, Tioga, Wayne or Yates
If I am not approved for the above loan product,
Required Products
Select at least one of the following products required for membership
Primary Savings
All accounts at Alternatives require a primary savings with a $5 minimum balance.
Min Deposit: $5.00
You may select one of the following products
Available Products
SEP IRA 18 Month Certificate Special
Min Deposit: $500.00
Traditional IRA 18 Month Certificate Special
Min Deposit: $500.00
Roth IRA 18 Month Certificate Special
Min Deposit: $500.00
Coverdell IRA 18 Month Certificate Special
Traditional IRA 48 Month Certificate
ROTH IRA 48 Month Certificate
Min Deposit: $500.00
SEP IRA 48 Month Certificate
Min Deposit: $500.00
Coverdell IRA 48 Month Certificate
Money Market Account
A new savings option. The more money you save the higher the rate of return you will receive with this tiered savings account.
Min Deposit: $1,000.00
Kasasa Cash
This free account earns 3.00% APY on balance up to $20,000 and ATM fee refunds. Must meet monthly qualifications to earn rewards, see website for more details. One Kasasa checking account per applicant.
Min Deposit: $0.00
Kasasa Cash Back
This free account earns 2.50% Cash Back on purchases up to $500 and ATM fee refunds. Must meet monthly qualifications to earn rewards, see website for more details. One Kasasa checking account per applicant.
Min Deposit: $0.00
Basic Checking
Our checking account has no minimum balance and no per check fees. Your first Alternatives Visa Debit Card is free.
Min Deposit: $0.00
Lucky Savers Certificate
Lucky Savers is a prize-based savings product. For every $25 savings deposit (up to $250 per month) made into the certificate account you will be entered to win a prize from $25 to $5000.
Min Deposit: $25.00
Savers Club
This account accepts additional deposits. Dividends are paid to the Savers Club at maturity.
Min Deposit: $100.00
60 Month Certificate
Lock in a higher interest rate than your regular savings account by depositing your funds into a certificate. There are various rates and terms available, choose the one that’s best for you.
Min Deposit: $500.00
48 Month Certificate
Lock in a higher interest rate than your regular savings account by depositing your funds into a certificate. There are various rates and terms available, choose the one that’s best for you.
Min Deposit: $500.00
36 Month Certificate
Lock in a higher interest rate than your regular savings account by depositing your funds into a certificate. There are various rates and terms available, choose the one that’s best for you.
Min Deposit: $500.00
24 Month Certificate
Lock in a higher interest rate than your regular savings account by depositing your funds into a certificate. There are various rates and terms available, choose the one that’s best for you.
Min Deposit: $500.00
12 Month Certificate
Lock in a higher interest rate than your regular savings account by depositing your funds into a certificate. There are various rates and terms available, choose the one that’s best for you.
Min Deposit: $500.00
6 Month Certificate
Lock in a higher interest rate than your regular savings account by depositing your funds into a certificate. There are various rates and terms available, choose the one that’s best for you.
Min Deposit: $500.00
3 Month Certificate
Lock in a higher interest rate than your regular savings account by depositing your funds into a certificate. There are various rates and terms available, choose the one that’s best for you.
Min Deposit: $500.00
Other Regular Savings
Open additional savings suffixes on your Alternatives account, each with no minimum balance.
Min Deposit: $0.00
Kasasa Saver with Cash
Earn 1.50% APY on balance up to $100,000. You must choose a Kasasa Cash Checking in order to have this savings account.
Min Deposit: $0.00
Kasasa Saver with Cash Back
Earn 1.50% APY on balance up to $100,000. You must choose a Kasasa Cash Back Checking in order to have this savings account.
Min Deposit: $0.00
No Dividend Savings
If you prefer not to earn interest on your savings, choose the non-interest savings suffix.
Min Deposit: $0.00
No Dividend Checking
If you prefer not to earn interest on your checking account, choose the non-interest checking suffix. Our non-interest checking account has no minimum balance and no per check fees. Your first Alternatives Visa Debit Card is free.
Min Deposit: $0.00
APY (Annual Percentage Yield)
Your Selected Products
Funding
Your funds will not be transferred until all of your accounts are approved
How much do you want to deposit?
$0.00
Funding Options
Please answer the following question(s)
What is the primary reason for opening the account?*
Other reason for opening:*
What is the initial source of opening deposit?*
Other source of deposit:*
What is the method of first deposit and description of funds?*
What will be the primary ongoing sources of funding into the account?*
Other source of funding:*
Do you expect to originate and/or receive International Wire Transfers?*
If yes, which countries?*
If yes, what is their primary purpose?*
Other wire purpose:*
If yes, what is the total amount of incoming International Wires expected monthly?*
If yes, what is the total amount of outgoing International Wires expected monthly?*
Are frequent (3 time per week or more) cash deposits into the account expected?*
What is the total amount of cash deposits expected monthly?
What is the total amount of cash withdrawals expected monthly?*
What is the total amount of incoming ACH/Direct Deposit expected monthly?*
Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?Read, Sign and Submit
Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
Email Agreements & Disclosures
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
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Notification
Loan Submission Cancelled
We're sorry you have declined to use our automated prequalification system. If you prefer, please come to our offices to apply or call our Consumer Loan Department and a loan representative will be happily ready to assist you.
If you decide you would like to go through our instant decision process, please click on the following link to return to your application summary page and submit the application for decisioning.
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We apologize that we were unable to submit your application. Please contact your financial institution for assistance.