Alternatives has a wide array of loan products for your borrowing needs. Different types of loans have different geographical requirements, but all loans require that you be a member of Alternatives Federal Credit Union. For information on becoming a member, click here. Members may apply online by signing onto the Members Only section, available by clicking on Member Login on the top right of every page. If you prefer the phone, members can apply 24/7 on our Anytime LoanPhone, 1-866-529-8722.