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ALTERNATIVES FCU
Get your full refund and your questions answered—for free. Call 2-1-1 or 1-877-211-8667, or click the button below. Make anappointment.
ONLINE BANKING AND BILL PAY Bill Pay. Bill Pay can be used through Online Banking. Pay your bills electronically, all in one place. Transfer funds between institutions. You can make payments anywhere, anytime, even when you are traveling. You can track your payments history at a glance, make P2P payments, and follow all your past, present, and future scheduled transactions. CONTACT US | ALTERNATIVES FCU | ITHACA, NY Main Office Alternatives Federal Credit Union 125 N. Fulton Street Ithaca, NY 14850. Telephone: (607) 273-4611 Toll free: (877) 273-AFCU Fax: (607) 277-6391 Visa Debit Card Services General: (866) 664-9364 Lost/Stolen Card: (800) 528-2273 Disputes: (800) 808-6402 Click here for more card servicesLOCATIONS AND HOURS
**Due to COVID-19, our hours and availability have changed** Please see below for our most current hours. Thank you for your understanding and support as we navigate this uncertain time.OPEN AN ACCOUNT
In person at our main branch at 125 N. Fulton St. in Ithaca. What do you need to open a Youth Account? Just these four items: Completed Alternatives Federal Credit Union account card with student's signature. Student's Social Security number. $1 minimum initial deposit. $2 one-time membership fee (waived if parent/guardian isalready a member**)
ROUTING AND ACCOUNT NUMBER Routing and account number. Routing information for direct deposits to Alternatives Federal Credit Union members: routing and transit number (also known as ABA number) is 221381867. FREE KASASA CASH CHECKING Free checking that pays really high dividends. 3.00% APY on balances up to $20,000. 0.10% APY on balances over $20,000. 0.05% APY if qualifications aren’t met. Can add Kasasa Saver® account to build and earn savings automatically. No monthly maintenance fees. No minimum balance requirement to earn rewards. Free Online Banking. SBA PAYCHECK PROTECTION PROGRAM (PPP) SBA Paycheck Protection Program (PPP) Highlights of the program include: Business must have been in operation on or before Feb. 15, 2020 with an account at AFCU. LIVING WITH A LIVING WAGE 2. Food $223.55/month x 12 months = $2,683 (+0.3%) Low-cost Official USDA Food Plan: Average of male and female ages 19-50 Monthly cost of food on low-cost plan FREE TAX PREPARATION IN CORTLAND COUNTY Free Tax Preparation in Cortland County Let IRS certified volunteers prepare your taxes for free! It’s your money. Why not keep it?alternatives.org
ALTERNATIVES FCU
Get your full refund and your questions answered—for free. Call 2-1-1 or 1-877-211-8667, or click the button below. Make anappointment.
ONLINE BANKING AND BILL PAY Bill Pay. Bill Pay can be used through Online Banking. Pay your bills electronically, all in one place. Transfer funds between institutions. You can make payments anywhere, anytime, even when you are traveling. You can track your payments history at a glance, make P2P payments, and follow all your past, present, and future scheduled transactions. CONTACT US | ALTERNATIVES FCU | ITHACA, NY Main Office Alternatives Federal Credit Union 125 N. Fulton Street Ithaca, NY 14850. Telephone: (607) 273-4611 Toll free: (877) 273-AFCU Fax: (607) 277-6391 Visa Debit Card Services General: (866) 664-9364 Lost/Stolen Card: (800) 528-2273 Disputes: (800) 808-6402 Click here for more card servicesLOCATIONS AND HOURS
**Due to COVID-19, our hours and availability have changed** Please see below for our most current hours. Thank you for your understanding and support as we navigate this uncertain time.OPEN AN ACCOUNT
In person at our main branch at 125 N. Fulton St. in Ithaca. What do you need to open a Youth Account? Just these four items: Completed Alternatives Federal Credit Union account card with student's signature. Student's Social Security number. $1 minimum initial deposit. $2 one-time membership fee (waived if parent/guardian isalready a member**)
ROUTING AND ACCOUNT NUMBER Routing and account number. Routing information for direct deposits to Alternatives Federal Credit Union members: routing and transit number (also known as ABA number) is 221381867. FREE KASASA CASH CHECKING Free checking that pays really high dividends. 3.00% APY on balances up to $20,000. 0.10% APY on balances over $20,000. 0.05% APY if qualifications aren’t met. Can add Kasasa Saver® account to build and earn savings automatically. No monthly maintenance fees. No minimum balance requirement to earn rewards. Free Online Banking. SBA PAYCHECK PROTECTION PROGRAM (PPP) SBA Paycheck Protection Program (PPP) Highlights of the program include: Business must have been in operation on or before Feb. 15, 2020 with an account at AFCU. LIVING WITH A LIVING WAGE 2. Food $223.55/month x 12 months = $2,683 (+0.3%) Low-cost Official USDA Food Plan: Average of male and female ages 19-50 Monthly cost of food on low-cost plan FREE TAX PREPARATION IN CORTLAND COUNTY Free Tax Preparation in Cortland County Let IRS certified volunteers prepare your taxes for free! It’s your money. Why not keep it?alternatives.org
ABOUT ALTERNATIVES
About your membership. Joining Alternatives Federal Credit Union is simple. A one-time $2 fee covers your Alternatives membership and enrolls you in the Alternatives Fund of Ithaca, Inc., the credit union's not-for-profit field of membership association. A required $5 deposit into your savings account will make you a shareholdingowner-member
GET STARTED
A one-time $2 fee can cover your Alternatives membership and enroll you in the Alternatives Fund of Ithaca, Inc., the credit union’s not for profit field of membership association. Deposit $5 into your savings to become a shareholding owner-member of Alternatives Federal Credit Union. All applicants must provide unexpired government issuedID
EMPLOYMENT OPPORTUNITIES Thank you for your interest in exploring career opportunities at Alternatives Federal Credit Union. Our application process is done entirely online and is only available when there is an open position with the organization. Applicants have rights under Federal Employment Laws. Please click here to learn more. LENDING FOR BUSINESS Lending for business. We offer specialized lending to businesses of all shapes and sizes. Please do not hesitate to reach out to us for further financing solutions for your business. OUR BOARD | ALTERNATIVES FCU | ITHACA, NY Meet our Board members and learn about our Board committees. Board members Jessa Edwards, President. Jessa believes the services and programs offered at Alternatives are particularly important for those in Ithaca who are underserved and marginalized, and giving community members a say in guiding and expanding those offerings is truly vital.BUSINESS CENTS
Business Services. We can help you manage company funds with a wide variety of business services.LIVING WAGE STUDY
Living Wage Study. In 1994, Alternatives Credit Union did its first Living Wage Study to address internal staff concerns about compensation levels. Rather than looking at what competitors paid, or what the statutory minimum wage was, the Credit Union wanted to look at what it took to support a person above the poverty level. 2020 SCHED C WORKSHEET Tax Year 2020 1 Schedule C Worksheet for Self-Employed Filers and Contractors – tax year 2020 This document will list and explain the information and documentation that we will need in order to file 1. GO TO: HTTPS://APPLICATIONS.LABOR.NY.GOV/INDIVIDUALREG/ 5. On the following page, you will be able to retrieve your 2020 NYS 1099-G – Unemployment Benefit Insurance Statement. (Note: NYS says these statements are expected to be available FREE TAX PREPARATION IN CORTLAND COUNTY Free Tax Preparation in Cortland County Let IRS certified volunteers prepare your taxes for free! It’s your money. Why not keep it?alternatives.org
ALTERNATIVES FCU
Get your full refund and your questions answered—for free. Call 2-1-1 or 1-877-211-8667, or click the button below. Make anappointment.
ONLINE BANKING AND BILL PAY Bill Pay. Bill Pay can be used through Online Banking. Pay your bills electronically, all in one place. Transfer funds between institutions. You can make payments anywhere, anytime, even when you are traveling. You can track your payments history at a glance, make P2P payments, and follow all your past, present, and future scheduled transactions. CONTACT US | ALTERNATIVES FCU | ITHACA, NY Main Office Alternatives Federal Credit Union 125 N. Fulton Street Ithaca, NY 14850. Telephone: (607) 273-4611 Toll free: (877) 273-AFCU Fax: (607) 277-6391 Visa Debit Card Services General: (866) 664-9364 Lost/Stolen Card: (800) 528-2273 Disputes: (800) 808-6402 Click here for more card servicesOPEN AN ACCOUNT
In person at our main branch at 125 N. Fulton St. in Ithaca. What do you need to open a Youth Account? Just these four items: Completed Alternatives Federal Credit Union account card with student's signature. Student's Social Security number. $1 minimum initial deposit. $2 one-time membership fee (waived if parent/guardian isalready a member**)
LOCATIONS AND HOURS
**Due to COVID-19, our hours and availability have changed** Please see below for our most current hours. Thank you for your understanding and support as we navigate this uncertain time. ROUTING AND ACCOUNT NUMBER Routing and account number. Routing information for direct deposits to Alternatives Federal Credit Union members: routing and transit number (also known as ABA number) is 221381867. SBA PAYCHECK PROTECTION PROGRAM (PPP) SBA Paycheck Protection Program (PPP) Highlights of the program include: Business must have been in operation on or before Feb. 15, 2020 with an account at AFCU. LIVING WITH A LIVING WAGE 2. Food $223.55/month x 12 months = $2,683 (+0.3%) Low-cost Official USDA Food Plan: Average of male and female ages 19-50 Monthly cost of food on low-cost plan 1. GO TO: HTTPS://APPLICATIONS.LABOR.NY.GOV/INDIVIDUALREG/ 5. On the following page, you will be able to retrieve your 2020 NYS 1099-G – Unemployment Benefit Insurance Statement. (Note: NYS says these statements are expected to be available FREE TAX PREPARATION IN CORTLAND COUNTY Free Tax Preparation in Cortland County Let IRS certified volunteers prepare your taxes for free! It’s your money. Why not keep it?alternatives.org
ALTERNATIVES FCU
Get your full refund and your questions answered—for free. Call 2-1-1 or 1-877-211-8667, or click the button below. Make anappointment.
ONLINE BANKING AND BILL PAY Bill Pay. Bill Pay can be used through Online Banking. Pay your bills electronically, all in one place. Transfer funds between institutions. You can make payments anywhere, anytime, even when you are traveling. You can track your payments history at a glance, make P2P payments, and follow all your past, present, and future scheduled transactions. CONTACT US | ALTERNATIVES FCU | ITHACA, NY Main Office Alternatives Federal Credit Union 125 N. Fulton Street Ithaca, NY 14850. Telephone: (607) 273-4611 Toll free: (877) 273-AFCU Fax: (607) 277-6391 Visa Debit Card Services General: (866) 664-9364 Lost/Stolen Card: (800) 528-2273 Disputes: (800) 808-6402 Click here for more card servicesOPEN AN ACCOUNT
In person at our main branch at 125 N. Fulton St. in Ithaca. What do you need to open a Youth Account? Just these four items: Completed Alternatives Federal Credit Union account card with student's signature. Student's Social Security number. $1 minimum initial deposit. $2 one-time membership fee (waived if parent/guardian isalready a member**)
LOCATIONS AND HOURS
**Due to COVID-19, our hours and availability have changed** Please see below for our most current hours. Thank you for your understanding and support as we navigate this uncertain time. ROUTING AND ACCOUNT NUMBER Routing and account number. Routing information for direct deposits to Alternatives Federal Credit Union members: routing and transit number (also known as ABA number) is 221381867. SBA PAYCHECK PROTECTION PROGRAM (PPP) SBA Paycheck Protection Program (PPP) Highlights of the program include: Business must have been in operation on or before Feb. 15, 2020 with an account at AFCU. LIVING WITH A LIVING WAGE 2. Food $223.55/month x 12 months = $2,683 (+0.3%) Low-cost Official USDA Food Plan: Average of male and female ages 19-50 Monthly cost of food on low-cost plan 1. GO TO: HTTPS://APPLICATIONS.LABOR.NY.GOV/INDIVIDUALREG/ 5. On the following page, you will be able to retrieve your 2020 NYS 1099-G – Unemployment Benefit Insurance Statement. (Note: NYS says these statements are expected to be available FREE TAX PREPARATION IN CORTLAND COUNTY Free Tax Preparation in Cortland County Let IRS certified volunteers prepare your taxes for free! It’s your money. Why not keep it?alternatives.org
LOCATIONS AND HOURS
**Due to COVID-19, our hours and availability have changed** Please see below for our most current hours. Thank you for your understanding and support as we navigate this uncertain time.RATES AND DISCOUNTS
36 months APR. 18.00%. 48-60 months APR. 18.00%. For personal loans, autos 2010 and older, computers, short-term, etc. 0.25% discount for direct deposit. 0.25% discount for automatic payment from a direct deposit or Alternatives Federal Credit Union account. Loyal member discount 0.25%. Must meet the criteria: LENDING | ALTERNATIVES FCU | ITHACA, NY Lending. We believe that responsible borrowing gives people a way to move towards financial self-sufficiency and when used responsibly, can be a positive strategy towards building wealth. FINANCIAL CALCULATORS Financial calculators. Simplify your finances and plan for your future — one of our handy calculators below can assist you. Buy vs. lease calculator. Share certificate calculator. Simple loan calculator. Savings goal calculator. OUR BOARD | ALTERNATIVES FCU | ITHACA, NY Meet our Board members and learn about our Board committees. Board members Jessa Edwards, President. Jessa believes the services and programs offered at Alternatives are particularly important for those in Ithaca who are underserved and marginalized, and giving community members a say in guiding and expanding those offerings is truly vital. FREE TAX PREPARATION Tax season can be a stressful time for many individuals. We are here to alleviate that stress with free tax preparation for qualifyinghouseholds.
COMPARE CHECKING ACCOUNTS The Kasasa Cash account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the first dividend rate and annual percentage yield listed in the Rate Schedule will apply to balances up to $20,000.00. The second dividend rate and annual percentage yield listed for this account will EMPLOYMENT OPPORTUNITIES Thank you for your interest in exploring career opportunities at Alternatives Federal Credit Union. Our application process is done entirely online and is only available when there is an open position with the organization. Applicants have rights under Federal Employment Laws. Please click here to learn more.BUSINESS CENTS
This credit union is federally insured by the National Credit Union Administration. Deposits insured up to $250,000.LIVING WAGE STUDY
Living Wage Study. In 1994, Alternatives Credit Union did its first Living Wage Study to address internal staff concerns about compensation levels. Rather than looking at what competitors paid, or what the statutory minimum wage was, the Credit Union wanted to look at what it took to support a person above the poverty level. This website is AudioEye enabled and is being optimized for accessibility. To open the AudioEye Toolbar, press shift + =. The toolbar contains the following The AudioEye Help Desk to report accessibility and usability relatedissues.
The AudioEye Certification Statement to explain the ongoing web accessibility and usability enhancements for this website. The Player tool to listen to this site read aloud. The Player is not intended as a substitute for your screen reader. COVID-19 Updates - AFCU closed for Thanksgiving, Thurs-Fri 11/26-27 Click here for current lobby and drive-thru hours, guidelines, andmore
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* Impacting our community * Free Tax Preparation * Student Credit Union * Business Development Assistance * Financial Wellness* Our Board
* Living Wage Study
* Funding our mission* Partnerships
* Get involved
* Personal
* Member Experience
* Get started
* Personal starter package * Youth starter package* Checking/HSA
* Compare Checking Accounts * Free Kasasa Cash Checking * Free Kasasa Cash Back Checking * Savings/Certificates * Free Kasasa Saver Account* Schedule of Fees
* Check Hold Policy
* Lending
* Apply for a loan
* TransAction Financial Empowerment Program * Financial Wellness* Auto loans
* Personal loans
* Home loans
* Solar and Energy Efficiency Loans* Business loans
* Contact Lending
* SkipPayment
* Safe Act Disclosure* Digital Services
* Online Banking and Bill Pay* Mobile App
* Digital Wallet
* ATM Locations
* Mobile Check Deposit* Shared Branching
* Convenience Services* Foreign Currency
* Wires
* Impacting our members * Free Kasasa Saver Account* The Credit Path®
* Free Tax Preparation * Student Credit Union * Business development assistance * Financial Wellness * Credit Report Review * First-time home buyers * Artist of the Month * Free Financial Counseling * Individual Development Accounts (IDA)* Business
* Lending for business* Apply for a loan
* Loan application assistance * Women and Minorities Subsidized Loan * Working Capital Loan* Line of Credit
* Business Equipment Loan * Commercial Mortgage * Share Secured Loan* Member Experience
* Get started
* Business starter package* Checking
* Savings
* SEP IRA
* Health Savings Account (HSA)* Business Services
* Schedule a consultation* Schedule of Fees
* Digital Services
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* Digital Wallet
* ATM Locations
* Shared Branching
* Wires
* Foreign Currency
* Convenience Services * Impacting your business* The Business Path
* Business Education * Business Development Assistance* Coffee Talk
* Culture and Values* Who we are
* Our values
* Diversity and inclusion* Employment
* Earn a Living Wage * Employment opportunities* Employee programs
* Internships
* Volunteer
* Making an impact
* Staff Volunteer Program* Staff awards
* Community awards
* Community Programs * Free Tax Preparation * Learn more - learn more * Make an appointment * Free Tax Preparation sites* Eligibility
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* Bill Myers Youth Internship* Open an account
* Student Credit Union Branches * College Savers Club* Mad City Money®
* Financial Wellness* Get started
* The Credit Path®
* Matched Savings
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