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

Deposit Services

Accounts at Alternatives Credit Union are designed to meet our mission. We have designed our deposit accounts to meet the financial needs of the members of this community, including members with a lower income. 

Our savings accounts have no monthly service charges or transaction fees, and only a $5 minimum balance requirement. Dividends are earned on balances above $5. 

Share draft (checking) accounts are also offered to anyone who lives in Ithaca, Tompkins County, and the adjacent counties of Cayuga, Chemung, Cortland, Schuyler, Seneca and Tioga. 

Certain deposits are available immediately, but we will place a "hold" on others. See our check hold policy for details.

Certificates can be started with as little as $100, and offer competitive dividend rates. 

Routing information for direct deposits to Alternatives Federal Credit Union members: routing and transit number (also known as ABA number) is 221381867.  

Wiring Instructions 

Wire to:
Alloya Corporate Federal Credit Union 4450 Weaver Pkwy. Warrenville, IL 60555
ABA # 221381715
Credit to:
Alternatives Federal Credit Union
Account # 221381867
Further credit:
Member’s Name, Account Number, and Account Type 

International Wires
Because we are not set up to directly receive international wires, we do not have a SWIFT code. In order for us to receive an international wire, you must send your wire via a financial institution in the US that is associated with the originating financial institution, who will then transmit funds to Alternatives via Alloya Corporate Federal Credit Union.

Online Access

eStatements Prior to Dec. 2012 »

Loan Rates
Deposit Rates


Donate »

Your gift to Alternatives Impact helps our community!

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
Financial
Education »

Discover how you can gain control of your finances...



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.