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

Our mission is to build wealth and create economic opportunity for underserved people and communities.


Visa Card Network down for Maintenance

Sunday March 8th, 2am – 8am

“This notice is to inform our members that your Alternatives VISA debit cards will be unavailable for use from 2am to 8am on Sunday, March 8th, due to maintenance of the networks.  We apologize for this inconvenience.  Thank you for your patience and understanding.”


Beginning January 17 at Alternatives:
Tuesdays 10 - 1 PM, 3 - 8 PM
Wednesdays 3 - 8 PM
Thursdays 3 - 8 PM
Saturdays 10 - 2 PM

Beginning January 22 at Groton TCA:  Every other Thursday 2 - 6 PM

Beginning January 29 at Newfield HS: Every other Thursday 3:30 - 7:30 PM

Beginning January 29 at Brooktondale Community Center: 1st and 3rd Mondays, 5 - 8 PM

Beginning January 31 at Dryden UMC:  Jan. 31, Feb. 7 then every other Saturday 10 - 2 PM

Call 211 (877-211-8667) to make an appointment!


Tax Season is around the corner and we will be here to help as always. But before then you need to look into your health insurance options. NOW is the time to Shop, Compare and Enroll. This Open Enrollment period ends Feb 15, 2015 so you need to act now. You can get help with this whole process by calling 2-1-1 (or 877-211-8667) and asking for an appointment with a Health Navigator who can help you.

New regulations require you to have health insurance for everyone on your tax return. If you have insurance through your job, or from Medicare, Medicaid, or Child Health Plus, you are OK.  If not, NOW is the time to find out how affordable health insurance through the the NY State of Health will be for you. The sooner you enroll, the sooner your coverage will start!


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


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."


Unexpected expenses can be tough. We're here to help! If you can document emergency medical, dental, veterinarian, home, or auto repairs, we offer a loan at a much lower rate than most credit cards.


Mobile Access is our new mobile banking app for your smartphone. The conveneniece of transactions, transfers, loan payments, BillPay, and more are right at your fingertips!


Learn how registering with Verified by VISA will help protect your online purchases!


If you have had a positive experience here at Alternatives, we'd love to hear from you.


Art Gallery: Black History Month

Business Of The Month: ShipIndex.org

Online Access

eStatements Prior to Dec. 2012 »

Rima Shamieh

My IDA [Individual Development Account] experience was just incredible. I saved a few bucks every week and after a year, I had a savings account with $3,000 in it! And I'm glad that the MoneyWise class was required, because it really helped me develop a healthier relationship with money. So many of the skills I learned in class seemed so obvious, but I never thought/knew how to do them until we went over them in class. For example, tracking my spending made a HUGE difference in how I now spend money. Also, the exercises in the beginning when we explored our relationships with money - I discovered I'm a carefree, spirited, impulsive spender. It helps to put a name on things.

After accruing thousands of dollars in debt from student loans from when I was an undergraduate, I was determined to do all I could to stay out of debt for when I continued my education. The IDA really helped. I feel so much better prepared to build equity and save for my future. Thanks, Alternatives!

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.