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.


Our lobby ATM has been moved to the Farmer’s Market. Our vestibule hours are 8:30am to 6:30pm. You are welcome to utilize our ATM at GreenStar or at our drive-up window for your convenience.

Mobile Deposit is now live! 
Our app has been rebranded for a fresher look, better navigation and to provide an improved user experience and address bug fixes.

Next time you're crunched for time, avoid the lines and make your deposit from anywhere at any time using your smartphone. Upgrade today for improved convenience. Mobile Deposit FAQ

Expanded Drive-thru and Walk-up teller hours
Beginning Monday, October 19 our Drive-thru and Walk-up teller will open at 9:00am.

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

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

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: Yvonne Fisher

Business Of The Month: Lloyd Katz, Chiropractic Bio-TuneUps

Online Access

eStatements Prior to Dec. 2012 »


2015.12.17 Coffee Talk! - Small business peer mentoring circle, meeting every third Thursday of each month...

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!

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.