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When you joined this community, we were here ready to help you navigate your personal or business finances. Alternatives Federal Credit Union is the best at staying locally-focused. Your money stays here!

Here are a few stories from our valued members!

When you become a member of AFCU, you’ll have access to community programs and financial resources that help to ensure you are living a healthy and happy life. Open an account with us and be a part of our social justice movement in Ithaca and the surrounding areas.

Thelma & Family

Personal Accounts  /  Personal Loans  /  Student Credit Union Accounts


Personal, Business, & Savings Accounts  /  Money Wise Program  /  Personal Loan  /  Auto Loan

Shira & Jeffrey

Mortgage  /  Solar Loan  /  Financial Counseling  /  Money Wise  /  Personal Accounts


Personal & Business Accounts  /  Business CENTS  /  Financial Counseling  /  Free Tax Preparation


Business CENTS  /  Business Loan

Eleanor & Gentry

Auto Loan  /  Personal Accounts  /  Business CENTS

Kenneth & Trece

Personal Accounts  /  Business Accounts  /  Personal Loans  /  Business CENTS


Auto Loan (Refinance)  /  Personal Account

Do you want your money to stay local, improving the success and wellbeing of our community?

We’re the best at serving the community through financial coaching and counseling, credit counseling, a free tax program, an innovative Money Wise program, numerous lending products, and a variety of affordable business development, accounting, bookkeeping, legal, marketing, and coaching services for new and established business enterprises.

Personal Programs & Resources

Financial Wellness Counseling
We not only provide products and services to our members — we provide full financial support in the form of community programs and educational resources.

Classes and Workshops
Knowledge is power. We arm our members with the knowledge they need to manage their finances efficiently through various classes and workshops.

Personal Member Starter Package
Everything you need to get started with Alternatives Federal Credit Union — in one convenient package.

Personal Lending Options
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.

Personalized Member Experience
We offer checking accounts to anyone who lives in Ithaca, Tompkins County and the adjacent counties of Cayuga, Chemung, Cortland, Schuyler, Seneca, and Tioga.

Free Tax Preparation
We’re there for our members through every stage of life and growth — creating a powerful impact on the communities we serve.

Business Programs & Resources

Business Lending Options
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.

Business Member Banking Experience
Our accounts and services are designed specifically for the needs of businesses — and make it easy for new start-ups to start and stay ahead.

Business Development Program
Business CENTS is the small business development program of Alternatives Federal Credit Union, offering training, consultation, and relationship building opportunities for entrepreneurs. We recognize that the key to moving successfully along the course for business success is knowledge.

Business Training and Education
We understand that training and advising is critical to building successful, long-term relationships with our borrowers. We offer support before, during, and after your loan application.

Business Development Consultation
Need to create or refine your business plan? Are you seeking assistance with marketing, management skills, or bookkeeping? Could you benefit from some one-on-one mentoring or a formal business start-up course? Help is out there! Schedule a phone or video consultation now.

We’re here for you. We value every relationship and evalutate every financial situation on a case-by-case basis. Now, more than ever, we encourage you to reach out to us to explore options available to you or your business.

Get in touch
Telephone: (607) 273-4611
Toll free: (877) 273-AFCU
Fax: (607) 277-6391

This credit union is federally insured by the National Credit Union Administration. Deposits insured up to $250,000.

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