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Branches Closed on President's Day

Our Ithaca and Rochester offices will be closed on Monday February 16th, 2026 in observance of Presidents Day. Branches will re-open at 9am on Tuesday February 17th. You can access your accounts through Online & Mobile Banking--available 24/7. Nationwide access to your account at 5,600+ credit unions and 30,000 surcharge-free ATMs via the CO-OP network. Please use caution when traveling and consider delaying your visit if conditions are unsafe in your area. We will continue to monitor conditions and share updates as needed. Thank you for your understanding.

Access the CO-OP Network
Routing #: 221381867

Home Buyers Club

Getting ready to buy a home is an exciting journey, and our Home Buyers Club account makes saving for this big step easier and more effective. With special features designed to help you save money over time, you can steadily work towards your dream of owning a home.

Open an Account

For current Alternatives members, please login to online banking and choose to add an account.

Benefits:

  • Dedicated Savings: This club account is specifically for home buyers, helping you set aside funds separately from your primary savings.
  • Flexible Deposits: Contribute to your account at any time in any amount that suits your budget. For added convenience, set up direct deposits to make regular contributions effortlessly.
  • Higher Dividends: Enjoy higher dividend rates compared to regular savings accounts.
  • No Monthly Fees: Manage your home-buying funds without worrying about monthly maintenance charges.

Account Details:

  • Minimum Deposit of just $100 to open your account.
  • Early withdrawals may result in a penalty.*
Open Now

* There are no partial withdrawals permitted. If you close your account before dividends are credited, your deposits will be paid, but you will not receive the accrued dividends. Your Home Buyer’s Club Account will be assessed a fee of all earned dividends if it is closed prior to maturity. Withdrawals for the purpose of closing on a home purchase are permitted without penalty.

Support Our Mission!

Unlike traditional banks, we specialize in lending to individuals, organizations, and businesses in under-resourced communities, offering financial education, business coaching, and low-interest rate loans that increase economic potential and help build wealth.

Join us!

Speak with a Financial Coach

No need to figure it out yourself, coaches can provide help with money management, paying bills, building credit and housing issues. Speak with a financial coach through our non-profit partner, Balance.

Schedule an appointment