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.


Showing our appreciation year round
Join us for a different topic each quarter as we celebrate Alternatives community programs, member experience, social responsibility,and culture and values.

On February 1, we kick off our first quarter Members Appreciation Event with a prize-filled celebration of Alternatives Community Programs. Journey through interactive stations exploring the Student Credit Union, Business CENTS, the Free Tax Preparation Program, and Financial Wellness and discover how Alternatives:
  • Introduces children and teens to good savings and spending habits
  • Connects and strengthens a robust network of entrepreneurs
  • Partners with local families to build wealth and create financial opportunities
With your help, Alternatives is committed to empowering community members to be in control of their finances. Oh, and did we say there’d be prizes? See you soon. 

2016 - 2017 Holiday hours
Don't forget...Alternatives will be closed on Monday, January 18 in honor of Dr. Martin Luther King Day. You are welcome to utilize our ATM at GreenStar or our drive-up ATM for your convenience.

Mobile Deposit is now live! 
Our app has been rebranded for a fresher look, better navigation and to provide an improved user experience and address bug fixes.

Next time you're crunched for time, avoid the lines and make your deposit from anywhere at any time using your smartphone. Upgrade today for improved convenience. Mobile Deposit FAQ

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.

Community Support Account

Learn more about how you can help local non-profits with this exciting new program.

CUNA'S Community Credit Union of the Year

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."

Back on Track loan

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.

Verified by Visa

Learn how registering with Verified by VISA will help protect your online purchases.
Share your experience with us. If you have had a positive experience here at Alternatives, we would love to hear from you.

Art Gallery: Dee Sprague

Business Of The Month: Sarah Gotowka, Earth Grown Shades

Online Access

eStatements Prior to Dec. 2012 »

Rachel Fives

Oh, my goodness, where do I even begin? We renovated our house (home equity loan), started a business (commercial loan) and refinanced our house over the last few years. Alternatives has been there with us every step of the way! We have learned so much, with the help of the Alternatives staff and we're not done yet! We adore our partners at Alternatives and can't thank them enough for the support, planning assistance, and encouragement they've provided. Wow - what a fabulous community resource!

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.