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.


We proudly announces 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.

Free Tax Preparation Program is here
Beginning January 17 at Alternatives FCU: Tuesdays 10:00 - 1:00pm and 3:00 - 8:00pm

Wednesdays 3:00 - 8:00pm
Thursdays 3:00 - 8:00pm
10:00am - 2:00pm

Beginning January 22 at Groton TCA:  Every other Thursday 2:00pm - 6:00pm

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

Beginning January 29 at Brooktondale Community Center: 1st and 3rd Mondays, 5:00pm - 8:00pm

Beginning January 31 at Dryden UMC:
  Jan. 31, Feb. 7 then every other Saturday 10:00am - 2:00pm

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

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 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.

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 would love to hear from you.


Art Gallery: Scott Morris

Business Of The Month: Get it SOLD Home Staging

Online Access

eStatements Prior to Dec. 2012 »


2015.04.23 Spring Fling! - Join Business CENTS for our networking and reunion party at Studio West! Co-hos...

2015.04.24 Internet Marketing Workshop Series - 7 classes, spanning 9 weeks!

2015.05.01 Internet Marketing Workshop Series - 7 classes, spanning 9 weeks!

2015.05.07 Ebay for your Business - Interested in using Ebay to launch or expand your small business? Join us and g...

Joe Nolan, Home Green Home

My family's credit union has been Alternatives since '96; We liked the mission, and who could resist banking in a converted house? In 2005 I started thinking about a retail start-up called "Home Green Home" that would sell healthy and eco-conscious home furnishings and renovation supplies. The Business CENTS class helped me to understand and develop the elements of a business plan, and set me on the path to taking the big leap.

At every stage, I've felt well supported by Alternatives' friendly staff. From one-on-one consultation to business banking and credit needs, I've received quick, helpful service at Alternatives. We always look to partner with organizations that share our values, and Alternatives fits the bill.

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.