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

To Open An Account

Alternatives is a regional credit union. We offer a full range of banking services to anyone who lives in Ithaca, Tompkins County and adjacent counties (Cayuga, Chemung, Cortland, Seneca, Schuyler and Tioga).

We invite you to become a member of Alternatives Federal Credit Union. Your $20 membership fee and minimum $5 deposit in a savings account starts your account and enrolls you in our field of membership. VISA Credit and Debit Cards and checking accounts are available by application. Home loans, car loans and business loans are only available in specific geographic areas surrounding our home base, Ithaca and Tompkins County. For our check hold policy, click here.

Would you like to become an Alternatives member? We'll send you a new account card and product information. Please check the boxes below so we know what information to send you regarding account services.

Before activating your account, send us a notarized copy of your signature and drivers license (or other acceptable photo ID).

How did you find the Alternatives Federal Credit Union site?
(Where? )
referral from a friend or relative.
(Who? )
web search.
(What was your search criteria? )
web referral.
(From which site? )
Why are you interested in Alternatives Federal Credit Union?
Services offered.
(Any particular service(s)? )
Best loan rates.
I believe in the mission of Alternatives.
I don't like mega-banks.
I am unable to get an account elsewhere.
(Why? )

Contact Information
Mailing Address
Home Phone

Please Send:
New Account Application
Personal Loan Application
Home Loan Application
Information Requested
Account Services:
Savings, Checking, Certificates
Alternatives VISA Debit Card
Individual Retirement Account
Individual Development Account
Business Services
Loan Services:
Personal Loans
Line of Credit
Home Loans
Business Loan
Alternatives ATIRA credit card
Business CENTS Small Business Training Program
Student Credit Union

Online Access

eStatements Prior to Dec. 2012 »

Loan Rates
Deposit Rates

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Your gift to Alternatives Impact helps our community!

Chris Setlock

In the spring of 2014, we learned that our minivan needed repairs in excess of it's value. We'd already been cutting back on our auto use, and were trying to walk and bike more. We'd been talking with friends and reading about cargo bikes as a car alternative. Around the same time, a new business, "Boxy Bikes" opened in Ithaca, which specializes in electric and cargo bikes. We found a model we were interested in, and approached alternatives seeking financing. Alternatives set us up with a signature loan, and a "green loan" discount on our rate. Thanks to Alternatives, we are now the happy owners of a "Yuba Mundo" Electric Cargo bike. We can get anywhere we need to go, using no gas, and creating no emissions. I can carry two passengers, or a weeks worth of groceries. The loan will be paid off in two years, and the bike could last for many more, at a fraction of the cost of an automobile.

Education »

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

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