--- title: "Alternatives Credit Union Rates: HELOC 6.50%, CDs to 3.50%" description: "Alternatives Credit Union rates today: HELOC from 6.50% APR, savings & CDs up to 3.50% APY, personal loans from 6.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Alternatives Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/alternatives" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Alternatives Credit Union Rates: HELOC 6.50%, CDs to 3.50% ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **80% HELOC** heloc_variable | 6.500% APR | 6.500% | — | Standard | | **90% HELOC** heloc_variable | 7.000% APR | 7.000% | — | Standard | Alternatives Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **80% Fixed Rate** personal | 6.500% APR | 6.500% | — | Standard | | **90% Fixed Rate** personal | 7.000% APR | 7.000% | — | Standard | | **TransAction Line of Credit: Line of credit for expenses related to gender-affirming care** ploc_variable | 11.200% APR | 11.200% | — | Standard | | **549 Or Less** personal | 15.990% APR | 15.990% | — | Standard | | **599 Or Less** personal | 17.990% APR | 17.990% | — | Standard | Alternatives Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 16 offers | Product | Published | Rate | Term / condition | Status | | **$1,000 To $2,499.99** savings | 0.25% APY | 0.25% | — | Standard | | **$2,500 To $9,999.99** savings | 0.40% APY | 0.40% | — | Standard | | **$10,000 To $24,999.99** savings | 0.50% APY | 0.50% | — | Standard | | **$25,000 To $49,999.99** savings | 0.60% APY | 0.60% | — | Standard | | **$50,000 To $99,999.99** savings | 0.70% APY | 0.70% | — | Standard | | **$10,000 To $19,999.99** savings | 0.75% APY | 0.75% | — | Standard | | **$5 To $9,999.99** savings | 0.75% APY | 0.75% | — | Standard | | **$20,000 Or Greater** savings | 0.75% APY | 0.75% | — | Standard | | **$100,000 Or Greater** savings | 0.85% APY | 0.85% | — | Standard | | **3-Month Certificate** cd_3mo | 3.20% APY | 3.20% | 3 mo | Standard | | **12-Month Certificate** cd_12mo | 3.50% APY | 3.50% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | 3.50% APY | 3.50% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | 3.50% APY | 3.50% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | 3.50% APY | 3.50% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 3.50% APY | 3.50% | 60 mo | Standard | | **6-Month Certificate** cd_6mo | 3.50% APY | 3.50% | 6 mo | Standard | Alternatives Credit Union savings & cd rates as of November 12, 2026 HELOC rates from 6.5% APR. Personal loan rates from 6.5% APR. Savings and certificate yields up to 3.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/alternatives) , verified from [Alternatives Credit Union's official website](https://www.alternatives.org/) Best product position **Better than the New York median** personal loan Gap to state best **550 bp** 550 bp from state best Vs. state median **249 bp better than median** personal loan Products ranked **2** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.50% | Room to improve vs. the New York median | 125 bp from state best | 1 bp behind median | | personal loan | 6.50% | Better than the New York median | 550 bp from state best | 249 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Alternatives Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=alternatives&state=new-york&code=NY&name=Alternatives%20Credit%20Union) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Beginnings** Commons Branch · Ithaca · NY · 14850 About 0.6 miles away](https://rateapi.dev/credit-unions/new-york/beginnings) [**Tompkins Employees** TEFCU · Ithaca · NY · 14850-3345 About 0.8 miles away](https://rateapi.dev/credit-unions/new-york/tompkins-employees) [**Visions** Ithaca · Ithaca · NY · 14850 About 1.4 miles away](https://rateapi.dev/credit-unions/new-york/visions) [**The Summit** CORTLAND · CORTLAND · NY · 13045 About 17.5 miles away](https://rateapi.dev/credit-unions/new-york/the-summit) [**Americu** Cortland · Cortland · NY · 13045 About 18.9 miles away](https://rateapi.dev/credit-unions/new-york/americu) [**First Heritage** Horseheads · Horseheads · NY · 14845 About 24.7 miles away](https://rateapi.dev/credit-unions/new-york/first-heritage) 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](https://rateapi.dev/eligibility-methodology) . 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](https://www.alternatives.org/) . Final membership determination is always made by the credit union. ## Work at Alternatives Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Alternatives Credit Union ranks against New York peers. - See which AI assistants fetched Alternatives Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=alternatives&state=new-york&code=NY&name=Alternatives%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Alternatives Credit Union offer? Alternatives Credit Union currently offers HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 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 November 12, 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 HELOC rate? As of November 12, 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 November 12, 2026, Alternatives Credit Union offers personal loans from 6.5% APR. ### What is Alternatives Credit Union's best CD rate? As of November 12, 2026, Alternatives Credit Union offers savings and certificate (CD) yields up to 3.50% APY. ### Who can join Alternatives Credit Union? Alternatives Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Alternatives Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.alternatives.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Alternatives Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Alternatives Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /alternatives " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Alternatives Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/alternatives Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp