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Application Cancelled

We have cancelled your application.

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Applicant Information

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Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.


Personal Information
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
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(s) that best describe 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?*

Demographic Information

Why we collect demographic information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.

Sex (select all that apply)

Ethnicity(select all that apply)

Race (select all that apply)

Driver's License Scan

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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

Document Upload Source Selector

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Document Upload Source Selector

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Additional Applicant Information

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About Your Additional Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.


Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
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(s) that best describe 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?*

Demographic Information

Why we collect demographic information

The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to provide this information, but are encouraged to do so. You may select one or more designations for "Ethnicity" and one or more designations for "Race". The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, Federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we may not discriminate on the basis of age or marital status information you provide in this application. If you do not wish to provide some or all of this information, please check below.
Why we collect the following information. Federal law requires that lending institutions ask for demographic information. However, applicants are not required to provide it. This information is used to ensure that applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled.

Sex (select all that apply)

Ethnicity(select all that apply)

Race (select all that apply)

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Funding later may delay account activation

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Please complete the account funding to activate your account.
Funding later may delay account activation

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Co-Driver's License Scan

close
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

Review and Submit

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Review and Submit
Vehicle 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, Tioga, Cortland, Cayuga, Seneca, Schuyler, Steuben or Chemung.
I live outside of the full service area (includes Broome and Onondaga Counties).
If I am not approved for the above loan product,
Remove 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

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