125 North Fulton St. Ithaca, NY 14850
Phone: (607) 273-4611
Toll Free: (877) 273-AFCU      E-mail

Fees

 


New Account Fee, one time $20
Student Credit Union membership, one time (waived is parent is a member)
$2
Monthly or Quarterly Statement Fee (waived if member uses eStatements) $2
HSA, new account (one-time)
$40
HSA, annual $40
HSA, closing account $40
Official Bank Check $3
Overdraft, bounced or covered, per item $25
Overdraft Transfer from Savings, per item $5
Telephone Transfer (same 6/month limit) FREE
Return of a Deposited Check $20
Balance of all Accounts FREE
Interim statement of account activity $2
Faxes to members $1
FedEx Service (additional cost if over $20.00) $20
Account Research/Reconcilement $25/hour,
minimum 1 hour
Inactive account fee, no activity 6 months, under $50 $10/quarter
Stop Payment, per draft or series $25
Copies of Cleared Checks (up to 23 months) $5  
Copies of Cleared Checks (over 23 months)
$10


Protest of check, per occurrence $25    
International item processing (Canadian checks FREE) $20-$50
Tax Levies and Liens $50
Restraining Notices $50
Information Subpoenas $50
Photocopies, self-serve $0.10
Deposit Bag $5
Wire Transfer Out $12
Wire Transfer In $5
International Wire Out $40
Western Union Domestic $15
Western Union International $25-$35
IRA Direct Transfer, Funds Leaving Alternatives $25.00
Notary Public FREE
Address change, P.O. Returned $5  
Address change, P.O. Returned - Student Credit Union
.50  
Homebuyer's Guide to Mortgages FREE
Business Yellow Pages FREE
Check Printing
$13.00 and up
(cost varies depending on style and quantity; business checks are more)




VISA Debit Fees

Non-Alternatives ATM transaction (Line of Credit members exempt)

 

$1

Copy of Monthly Statement (per month, per account) $2
PIN Replacement FREE by phone or in person; $75 for expedited generic PIN
Card Replacement: First Card FREE, Subsequent Card $10
Card Replacement: Expedited $75

Ithaca Hours are accepted for many fees, including:

  • Membership
  • Loan fees
  • Automatic transfer fees
  • (Maximum $100)
  • Insufficient Funds Fee
  • (Maximum $25/per month)

Online Services

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Loan Rates

Deposit Rates


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Help us help our community through the Alternatives Venture Fund

Gary H.

I came to Alternatives for a new car loan and a truck loan. I also referred my son to Alternatives for a new vehicle loan, my daughter for a new vehicle loan, and a close friend for a home improvement and new car loan.

I really liked the speed in which I received the money: I filled out the application mid-morning and I had my check for mid-afternoon. The people were very easy to work with.


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