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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

Individual Retirement Account (IRA)

Take charge of your retirement. An IRA makes it easy by offering tax-advantaged* savings options in which to invest your hard-earned money.

Contact newaccounts@alternatives.org or schedule an appointment for questions or to set up your IRA.

Schedule an appointment

Details

  • Earn competitive dividends above standard savings rates
  • Pays monthly dividends
  • Choose from Traditional and Roth options
  • No setup fees
  • No monthly or annual maintenance fees
  • Annual contribution limits apply
  • Additional $1,000 “catch-up” contribution allowed for ages 50+
  • Funds can be used to purchase certificates within IRA
  • Contributions may be tax deductible*
  • $5 minimum deposit to open
View Rates
Contact us to Open an Account

* Consult a tax advisor.

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