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

Savers Club

Alternatives' Savers Club offers all the benefits of a Certificate with more flexibility. It's the perfect way to save money for expected expenses like the holidays, or a planned trip. It's also a great way to establish a savings habit! Here are the details:

 

  • You only need $100 to open a Savers Club Certificate.
  • The term of the Certificate is one year.
  • You can deposit any amount of money anytime during the year.
  • At the end of the year interest is added at 4-5 times the rate of a standard savings account.
  • The account can be closed at any time, but interest is forfeited if it is closed before the one year term.
  • There are no partial withdrawals permitted. If you close your account before dividends are credited, your deposits will be paid, but you will not receive the accrued dividends. Your Club account will be assessed a fee of all earned interest if it is closed prior to maturity. Withdrawals for the purpose of closing on a home purchase are permitted without penalty.
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    If you'd like to open a Savers Club account, stop in and see one of our Member Service Specialists.

    Check our our Savers Club rates!

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    The Credit Path

    As Alternatives Credit Union has grown and changed, our use of the Credit Path model of financial empowerment has changed as well. Originally developed by Bill Myers as a way of understanding our members' financial situations and incorporating that into our business planning, the Credit Path describes where people are situated at various points along a continuum between poverty and self-sufficiency. Our job, as a community development financial institution, is to help our members move along that continuum by empowering them to make decisions, and offering opportunities, that will move them towards financial self-sufficiency. more»


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