125 North Fulton St. Ithaca, NY 14850
Phone: (607) 273-4611
Toll Free: (877) 273-AFCU      Contact
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Our mission is to build wealth and create economic opportunity for underserved people and communities.



Visit our lobby for unique food and gift items this holiday season, featuring our member businesses. You won't get more "buy local" than this!


Tax Season is around the corner and we will be here to help as always. But before then you need to look into your health insurance options. NOW is the time to Shop, Compare and Enroll. This Open Enrollment period ends Feb 15, 2015 so you need to act now. You can get help with this whole process by calling 2-1-1 (or 877-211-8667) and asking for an appointment with a Health Navigator who can help you.

New regulations require you to have health insurance for everyone on your tax return. If you have insurance through your job, or from Medicare, Medicaid, or Child Health Plus, you are OK.  If not, NOW is the time to find out how affordable health insurance through the the NY State of Health will be for you. The sooner you enroll, the sooner your coverage will start!


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


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."


Unexpected expenses can be tough. We're here to help! If you can document emergency medical, dental, veterinarian, home, or auto repairs, we offer a loan at a much lower rate than most credit cards.


Mobile Access is our new mobile banking app for your smartphone. The conveneniece of transactions, transfers, loan payments, BillPay, and more are right at your fingertips!


Learn how registering with Verified by VISA will help protect your online purchases!


If you have had a positive experience here at Alternatives, we'd love to hear from you.


Art Gallery: Barbara Perrone

Roundoff: Friendship Donations Network

Business Of The Month: Keyrow Tours

Online Access

eStatements Prior to Dec. 2012 »


2014.12.24 Christmas Eve Day - Closed at 12:00 p.m.

2014.12.25 Christmas Day - CLOSED

2014.12.31 New Year's Eve - Drive-Thru closes at 3:00 p.m.

2015.01.01 New Year's Day - CLOSED

Rima Shamieh

My IDA [Individual Development Account] experience was just incredible. I saved a few bucks every week and after a year, I had a savings account with $3,000 in it! And I'm glad that the MoneyWise class was required, because it really helped me develop a healthier relationship with money. So many of the skills I learned in class seemed so obvious, but I never thought/knew how to do them until we went over them in class. For example, tracking my spending made a HUGE difference in how I now spend money. Also, the exercises in the beginning when we explored our relationships with money - I discovered I'm a carefree, spirited, impulsive spender. It helps to put a name on things.

After accruing thousands of dollars in debt from student loans from when I was an undergraduate, I was determined to do all I could to stay out of debt for when I continued my education. The IDA really helped. I feel so much better prepared to build equity and save for my future. Thanks, Alternatives!

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