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

Living Wage Study - 2000

Category Month Year Comments
Rent $504.00 $6,048.00 HUD fair market rent - Does not include telephone
Transportation $151.23 $1,814.75 Weighted average of amount spent on private cars, public transportation and using a bicycle - from Claritas and WOW estimates
Food $152.30 $1,827.60 Average of low-cost plan Food Stamp cost for males and females ages 20-50
Telephone $25.97 $311.64 From Verizon
Health Care $82.72 $992.60 Univera health care plan used at the Credit Union. This includes employee co-pay plus additional costs like prescription and non-prescription drugs - from Alternatives Credit Union and Claritas
Recreation $107.23 $1,286.76 Includes several categories of items, such as money for trips, fees/admissions, and reading materials - from Claritas
Savings $50.00 $600.00 From 1998 study
Misc $113.71 $1,364.52 Includes items such as clothing, personal care items, housekeeping and garden equipment - from Claritas
Payroll $111.82 $1,341.84 Fica - 7.65%
Federal $129.26 $1,551.06 Income minus 7,200 times 15%
State $33.47 $401.62 Income minus 7500 times 4%
TOTAL Living Wage $1,461.70 $17,540.39 $8.43/hr@40 hr/week; $9.30/hr@36.25 hr/week; $9.05/hr@ 37.25hr/week; $9.64/hr@35 hr/week

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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.

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