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

Fees

New Account Fee, one time $20
Student Credit Union membership, one time (waived if parent is a member)
$2
Monthly or Quarterly Statement Fee (waived if member uses eStatements) $2
HSA, new account (one-time)
$40
HSA, annual $40
HSA, closing account $40
Official Bank Check $3
Overdraft, bounced or covered, per item $25
Overdraft Transfer from Savings, per item $5
Telephone Transfer (same 6/month limit) FREE
Return of a Deposited Check $20
Balance of all Accounts FREE
Interim statement of account activity $2
Faxes to members $1
FedEx Service (additional cost if over $20.00) $20
Account Research/Reconcilement $25/hour,
minimum 1 hour
Dormant account fee (no activity 6 months) $20/quarter
Stop Payment, per draft or series $25
Copies of Cleared Checks (up to 23 months) $5  
Copies of Cleared Checks (over 23 months)
$10


Protest of check, per occurrence $25    
International item processing (Canadian checks FREE) $20-$50
Tax Levies and Liens $50
Restraining Notices $50
Information Subpoenas $50
Photocopies, self-serve $0.10
Deposit Bag $5
Wire Transfer Out $12
Wire Transfer In $5
International Wire Out $40
Western Union Domestic $25
Western Union International $40-60
IRA Direct Transfer, Funds Leaving Alternatives $25
Notary Public FREE
Address change, P.O. Returned $5  
Address change, P.O. Returned - Student Credit Union
.50  
Homebuyer's Guide to Mortgages FREE
Business Yellow Pages FREE
Check Printing
$14.75 and up
(cost varies depending on style and quantity; business checks are more)

 




VISA Debit Fees

 

 

Copy of Monthly Statement (per month, per account) $2
PIN Replacement FREE by phone or in person; $75 for expedited generic PIN
Card Replacement: First Card FREE, Subsequent Card $10
Card Replacement: Expedited $75

 

Ithaca Hours are accepted for many fees, including:

  • Membership
  • Loan fees
  • Automatic transfer fees
  • (Maximum $100)
  • Insufficient Funds Fee
  • (Maximum $25/per month)

Online Access

eStatements Prior to Dec. 2012 »

Loan Rates
Deposit Rates


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Jacqueline Reeves

My journey began by inquiring about how to purchase a home with my Section 8 counselor at Tompkins Community Action. From there, I was connected with the Family Self Sufficiency program, which made this experience wonderful and easier to understand.

The Homebuyer's Class at Ithaca Neighborhood Housing was an eye opener to all the possibilities and obstacles that I had to complete in order to achieve my goal. All this snowballed into me connecting with Alternatives. Brendan Wilbur and the staff there were helpful in setting up an IDA, a program where I can pay the bills needed to maintain a household and still be able to save. These are both things that I love to do.

The IDA program provides people with information on the steps to homeownership. It's been a great experience for me, and I hope that young people are inspired to follow up on their dreams - if not for themselves - then for the generation that we have the responsibility to raise.


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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.