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Alternatives Federal Credit Union


Overview / Commentary
www.alternatives.org
607-273-4611
125 N Fulton St
Ithaca, NY 14850

Alternatives Federal Credit Union is headquartered in Ithaca and is the 60th largest credit union in the state of New York. It is also the 1,385th largest credit union in the nation. It was established in 1978 and as of June of 2024, it had grown to 57 employees and 13,447 members at 1 location. Alternatives Federal Credit Union's CD rates are 5X the national average, but it has a C health rating.

Field of Membership Restrictions

Membership in Alternatives Federal Credit Union is open to those who live in the New York counties of Cayuga, Chemung, Cortland, Seneca, Schuyler, Steuben, Tioga, or Tompkins.
See current membership details

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Reviews (1)

Don't Let All Of The Hype FOOL You!

Posted by: |

I CLOSED Both of my accounts because their "Manager" was RUDE to me and refused to accept my rolled coin for deposit. I took my business elsewhere and I'm Glad I did.
There are Much Better banks in Ithaca!

1


Health
C

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #23283
Year Chartered1978
Employees57
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD10.79%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$168.3MM$159.1MM
LoansQ2 2024vs Q2 2023$99.4MM$88MM
DepositsQ2 2024vs Q2 2023$148.9MM$140MM
Equity CapitalQ2 2024vs Q2 2023$11.3MM$10.1MM
Loan Loss AllowanceQ2 2024vs Q2 2023$1.4MM$1MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$4.8MM$2.9MM
Real Estate OwnedQ2 2024vs Q2 2023$205K$97K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Alternatives Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alternatives Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$0$100kFree Kasasa Saver
OTHER TIERS: 0.10% → $100k+
0.75%$5-IRA Savings
0.15%$100-Club Saving
0.15%$100-Homebuyers Club Account
0.15%$1-Student Credit Union Youth Savings
0.15%$25-Lucky Savers
0.05%$5-Regular Share Savings

Alternatives Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$20kFree Kasasa Cash Checking
OTHER TIERS: 0.10% → $20k+
0.05%$5-Basic Checking

Alternatives Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$500-12 Month Share Certificate
3.56%$500-60 Month Share Certificate
3.56%$500-36 Month Share Certificate
3.56%$500-24 Month Share Certificate
3.56%$500-48 Month Share Certificate
3.04%$500-6 Month Share Certificate
2.02%$500-3 Month Share Certificate

Alternatives Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$500-12 Month IRA
3.56%$500-24 Month IRA
3.56%$500-36 Month IRA
3.56%$500-60 Month IRA
3.56%$500-48 Month IRA
3.04%$500-6 Month IRA
2.02%$500-3 Month IRA
Locations


Alternatives Federal Credit Union Locations
Branch Office125 N Fulton StIthaca, NY 14850-3301

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.