f Alternatives.org:
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.


Expanded Drive-thru and Walk-up teller hours

Beginning Monday, October 19 our Drive-thru and Walk-up teller will open at 9:00am.

Join us for our upcoming Member Appreciation Days - in the lobby from 10am - 6pm.

October 16: Harvest festival
November 20; Giving thanks and philanthropy
December 18: Celebrating diversity and holiday markets

If you are interested in tabling for a specific event that is relevant to your member business, please contact marketing@alternatives.org

Alternatives Federal Credit Union Announces 2015 Living Wage

How much does it cost to live in Tompkins County? According to Alternatives Federal Credit Union’s bi-annual Living Wage Study, a single person working full time would have to make $28,637.40 a year, or $13.77 per hour 40 hours a week.
On May 28, 2015 Alternatives’ Board of Directors voted unanimously to raise starting wages for Alternatives’ staff to the new Living Wage level, continuing its commitment as a role model employer for the community.

To learn more: Living Wage Study 2015, Living Wage Study 2015 Press Release,

All Together Now

Our 2014 Annual Report is hot of the press and available online, or stop by the branch, say hello and pick up a copy. 

We proudly announce the launch of BusinessLoanConnection.org

BusinessLoanConnection.org is a unique collaboration between Community Development Credit Unions in Central and Upstate New York.

By connecting existing and aspiring business owners to financial and skill-building opportunities, we work to cultivate successful small businesses throughout our combined service area.
BusinessLoanConnection.org is brought to you by CDFI-certified Credit Unions: Alternatives Federal Credit Union and Syracuse Cooperative Federal Credit Union.

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: Elaine Derby Photography

Business Of The Month:

Online Access

eStatements Prior to Dec. 2012 »


2015.10.17 Money Matters: Money and Spirit - Register at: bwilbur@alternatives.org

2015.10.22 Coffee Talk! - Small business peer mentoring circle, meeting every third Thursday of each month...

2015.10.29 Ebay for Small Business - If you’ve never considered using eBay for your business, think again! Whether...

2015.11.19 Coffee Talk! - Small business peer mentoring circle, meeting every third Thursday of each month...

Express Employment Professionals, Kathy Nivison

With a background of 15 years in Human Resources, Kathy Nivison started up the Ithaca office of Express Employment Professionals to better serve local employment and recruiting needs. Kathy approached Alternatives for a business loan, and was impressed with both the loan's low interest rate, as well as the quick response from Bob Anderson, the business loan officer at Alternatives.

Kathy took advantage of our "Women and Minority" subsidized loan, which helps women and minority borrowers who have a minimum of one year in business and are looking for assistance with continued growth and expansion.

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.