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

Checking Accounts


Whatever you call it, share draft or checking, ours is better than most; the best around, for many people. Why is it better than a bank checking account? It features:



To withdraw money or pay a bill you just write a check.  

We offer checking accounts to anyone who lives in Ithaca, Tompkins County and the adjacent counties of Cayuga, Chemung, Cortland, Schuyler, Seneca, and Tioga. For people who live outside this area, we offer savings accounts, certificates, and some loan services.

Carbonless Copies
Our checks have a unique feature, a carbonless form which registers all the information written on the original draft. These copies should be saved and used to reconcile your statement. Paid checks are not returned. We have found it is unnecessary to return paid checks since the account can be reconciled using the statement and the carbonless copies. Proof of payment can be established by receipt from the payee or by using the carbonless copy in conjunction with the statement showing the check has cleared. In the occasional circumstance where further proof becomes necessary, checks are microfilmed and stored as a permanent record off-site, and can be obtained for a fee from the Credit Union.

Each member will be provided with a statement of all accounts prepared on the last day of each month. eStatements are free and can be easily accessed via our
Online Access area.  Paper statements that are mailed at the beginning of each month will incur a $2 monthly fee.

Member Responsibility
Members are expected to use extreme care in using a checking account. If control over the checks is lost in any way (such as theft, loss or unauthorized use) the Credit Union should be promptly notified so that stop payments can be issued. It is essential that members reconcile their account to their statement every month.

Check Designs & Reordering
A variety of check designs are available. You may also conveniently
reorder checks online.

Online Access

eStatements Prior to Dec. 2012 »

Loan Rates
Deposit Rates

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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.

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