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.



Due to system maintenance, the following services will be unavailable on Thurs. 1/29 from 11:00 p.m. until 11:30 p.m. 

Online Access
BillPay Access
Mobile Access
Phone Access 

We apologize for the inconvenience.


Beginning January 17 at Alternatives:
Tuesdays 10 - 1 PM, 3 - 8 PM
Wednesdays 3 - 8 PM
Thursdays 3 - 8 PM
Saturdays 10 - 2 PM

Beginning January 22 at Groton TCA:  Every other Thursday 2 - 6 PM

Beginning January 29 at Newfield HS: Every other Thursday 3:30 - 7:30 PM

Beginning January 29 at Brooktondale Community Center: 1st and 3rd Mondays, 5 - 8 PM

Beginning January 31 at Dryden UMC:  Jan. 31, Feb. 7 then every other Saturday 10 - 2 PM

Call 211 (877-211-8667) to make an appointment!


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: Charlotte Giorse

Roundoff: Vitamin L

Business Of The Month: Deborah Allison, Past Lives Regression Therapist

Online Access

eStatements Prior to Dec. 2012 »


2015.02.05 Business Tax Tune-up - If your case of "winter blues" is brought on by the arrival of tax season, we ha...

2015.02.12 Branding Your Business - 2-evening workshop with Matteo Wyllyamz. February 12 & 19.

2015.02.13 Valentine's Day Celebration -

2015.02.19 Branding Your Business - 2-evening workshop with Matteo Wyllyamz! February 12 & 19

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.