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MEMBER PROFILE
Josh and Kriss Eckenrode

Recently, my wife Kriss and I decided that it was time to purchase our first home. We started working with our realtor to find the right house, but were not sure how to handle the financing. She suggested that we talk to the mortgage team at Alternatives. I am so glad that she did since the rates were competitive, and the service was second to none. We worked very closely with Carol Chernikoff throughout the process; she was able to guide us in a way that was very personal and comforting. Buying a house, especially the first house, is a rather overwhelming proposition, but everyone was so kind and helpful that the process felt very smooth. We were also pleased to find out that Alternatives does not sell their mortgages, and that our money would stay in the local economy. As someone who grew up in Ithaca, this was very important to me. Kriss and I were so impressed with the service at Alternatives, that we also refinanced our car, opened a credit card, and moved all of our accounts to the credit union. The personal, local service we receive continues to delight us every time we interact with a member of the Alternatives team. We have never seen so many smiling faces in a financial institution!

Community Programs
Pay It Forward Contest

More than a financial institution, Alternatives' mission is to build wealth and create economic opportunity. We do this by offering education and asset building programs.

Business CENTS (Community Enterprise Networking and Training Services) is our small business development program offering education, counseling and support services to micro-entrepreneurs.

Individual Development Accounts (IDAs) are an asset building program. Savings by low income participants are matched to provide assistance in paying for a home, education or small business.

Student Credit Unions provides financial education, banking services and hands-on teller training for people under the age of nineteen.

Community Partnership Lending (CPL) is a way to partner with non-profits to expand lending to their underserved clients.

Money Wise is our 7 week financial education course.

Free Tax Preparation for any member or non-member who qualifies.

Investment Opportunities for those interested in supporting Alternatives with market rate investments or to help even more, below market rate investments.

The Livable Wage Study shows how much money is needed to live in Tompkins County. The study provides a benchmark for local employers and employees.