f Alternatives.org:
125 North Fulton St. Ithaca, NY 14850
Phone: (607) 273-4611
Toll Free: (877) 273-AFCU      Contact
Loan Rates

Deposit Rates

Our mission is to build wealth and create economic opportunity for underserved people and communities.


Expanded drive thru and walk up window hours

Beginning Monday, October 19 our drive thru and walk up windows will open at 9:00am.

Join us for our upcoming Member Appreciation Days - in the lobby from 10am - 6pm.

October 16: Harvest festival
November 20; Giving thanks and philanthropy
December 18: Celebrating diversity and holiday markets

If you are interested in tabling for a specific event that is relevant to your member business, please contact marketing@alternatives.org

Alternatives Federal Credit Union Announces 2015 Living Wage

How much does it cost to live in Tompkins County? According to Alternatives Federal Credit Union’s bi-annual Living Wage Study, a single person working full time would have to make $28,637.40 a year, or $13.77 per hour 40 hours a week.
On May 28, 2015 Alternatives’ Board of Directors voted unanimously to raise starting wages for Alternatives’ staff to the new Living Wage level, continuing its commitment as a role model employer for the community.

To learn more: Living Wage Study 2015, Living Wage Study 2015 Press Release,

All Together Now

Our 2014 Annual Report is hot of the press and available online, or stop by the branch, say hello and pick up a copy. 

We proudly announce the launch of BusinessLoanConnection.org

BusinessLoanConnection.org is a unique collaboration between Community Development Credit Unions in Central and Upstate New York.

By connecting existing and aspiring business owners to financial and skill-building opportunities, we work to cultivate successful small businesses throughout our combined service area.
BusinessLoanConnection.org is brought to you by CDFI-certified Credit Unions: Alternatives Federal Credit Union and Syracuse Cooperative Federal Credit Union.

Scam alert

Members should be aware of an automated phone scam currently in the wild. If you receive a phone call, with a recorded message indicating that there is a hold on your M&T debit card, do not return the call, and do not provide any card information. If you have provided your Alternatives FCU card information in response to this scam, please contact Alternatives FCU immediately.

Community Support Account

Learn more about how you can help local non-profits with this exciting new program.

CUNA'S Community Credit Union of the Year

We are completely honored and thrilled to receive this award! This award "honors credit unions that consistently excel in the advancement of credit union ideals, are proactive in their communities and meet the needs of their own diverse member bases."

Back on Track loan

Unexpected expenses can be tough. We are here to help. If you can document emergency medical, dental, veterinarian, home, or auto repairs, Alternatives FCU offers a loan at a much lower rate than most credit cards.

Verified by Visa

Learn how registering with Verified by VISA will help protect your online purchases.
Share your experience with us. If you have had a positive experience here at Alternatives, we would love to hear from you.

Art Gallery: Elaine Derby Photography

Business Of The Month:

Online Access

eStatements Prior to Dec. 2012 »


2015.10.17 Money Matters: Money and Spirit - Register at: bwilbur@alternatives.org

2015.10.22 Coffee Talk! - Small business peer mentoring circle, meeting every third Thursday of each month...

2015.10.29 Ebay for Small Business - If you’ve never considered using eBay for your business, think again! Whether...

2015.11.19 Coffee Talk! - Small business peer mentoring circle, meeting every third Thursday of each month...

Chris Setlock

In the spring of 2014, we learned that our minivan needed repairs in excess of it's value. We'd already been cutting back on our auto use, and were trying to walk and bike more. We'd been talking with friends and reading about cargo bikes as a car alternative. Around the same time, a new business, "Boxy Bikes" opened in Ithaca, which specializes in electric and cargo bikes. We found a model we were interested in, and approached alternatives seeking financing. Alternatives set us up with a signature loan, and a "green loan" discount on our rate. Thanks to Alternatives, we are now the happy owners of a "Yuba Mundo" Electric Cargo bike. We can get anywhere we need to go, using no gas, and creating no emissions. I can carry two passengers, or a weeks worth of groceries. The loan will be paid off in two years, and the bike could last for many more, at a fraction of the cost of an automobile.

Alternatives Federal Credit Union ("Alternatives") provides a hyperlink to Google Translate� for convenience only and without any responsibility for the accuracy of translations. Alternatives has no control over this unrelated, free and entirely computerized translation program. Computerized translations are only an attempted approximation of the website�s original content and thus Alternatives makes no representations or warranties of any kind with respect to the accuracy, reliability or completeness of any translations. Persons using translated information do so at their own risk.