The Alternatives Federal Credit Union All Credit Levels is a cdfi lender from Alternatives Federal Credit Union. Rewards: Alternatives FCU offers free financial education and coaching to support members in achieving their financial goals.. This product reports activity to your personal credit report. Alternatives Federal Credit Union (AFCU) is a Community Development Financial Institution (CDFI) located in Ithaca, NY, dedicated to providing affordable financial products and services to low-to-moderate income and marginalized communities. They focus on empowering individuals and businesses often overlooked by mainstream lenders through a range of financial services and educational resources. Services include: business loans, personal loans, mortgages. US Treasury certified CDFI Credit Union in Ithaca, NY. Membership required.