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

Privacy Policy

Maintaining your privacy is a priority of Alternatives. This notice explains how we collect, use, and safeguard your personal information. We are committed to providing you with competitive products and services to meet your financial needs. To do this we collect and sometimes share information about you to complete your transactions and provide you with certain financial opportunities.

Information We Collect And Disclose About You
We collect nonpublic personal information about you from a variety of sources, including:

  • Information we receive from you on membership and loan applications and other forms, such as name, address, and social security number;
  • Information about your transactions with us or others, such as account balances, payment history, and credit card usage;
  • Information we receive from consumer reporting agents, such as about your creditworthiness and credit history;
  • Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may disclose all the above described information to: companies that perform services on our behalf (e.g. check printing company), pursuant to a joint marketing agreements,  or our affiliates that provide credit card, financial planning, or internal operation services.  Alternatives does not sell member information to third parties for their use in any instance. We do not permit third parties to sell or otherwise release the information we provide to them. We may disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records. If you terminate your membership with Alternatives Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to our employees, whose mission it is to utilize your data in order to serve you better. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic information.

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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.


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