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MEMBER PROFILE
Shannon Sullivan

"I really found out how caring Alternatives is last October when I was called up to active duty after Hurricane Katrina," says member Shannan Sullivan. "Navy pay is only a fraction of what I make as a nurse practitioner. I panicked. I had to make provisions. In 24 hours Alternatives had arranged for me to pay interest only on smaller loans, and forebear my mortgage until I returned from active duty... Alternatives made me feel like I was the only person they had to worry about."

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Business


BUSINESS SERVICES
Over twenty years ago a group of small businesses wanted to expand and couldn't get capital from the banking system.

Alternatives Federal Credit Union was chartered to address that problem. It's stated directly in our Mission Statement: Alternatives provides "Capital investments in individuals, small business and non-profits." Serving small business, as well as non-profits, is promoting smart community development. Small businesses, especially start-ups, are engines of local economic development. Small businesses play a major role in job crea-tion in New York, creating 80% of all new jobs.

Most banks ignore businesses when they have less than a million dollars in annual sales. Small business or "micro-enterprise" lending is our specialty. Alternatives designs products and services to meet the needs of small businesses: retail, service, small manufacturers, home-based businesses, cooperatives, worker-owned businesses, non-profits and start-ups.

Find out about our business loans. We're committed to lending to small businesses. We offer great services for businesses.