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Alternatives

125 N Fulton Street, Ithaca, NY 14850
NCUA Insured3.0 (76 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1978

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

125 N Fulton Street

Ithaca, NY 14850

Service Area

This credit union is located in Ithaca and serves members in the NY area. Currently serving 12,490 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

8.49%

Used Auto Loan

8.49%

Personal Loan

10.25%

Credit Card APR

13.24%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.0

76 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Kevin Brown

Kevin Brown

5 months ago

Alternatives is a very terrible bank. They don't answer their phones, ever. They lock your account if you pay a bill but let hackers use my card to make purchases in Texas. I've been on the phone over 2 hours to speak with a representative to replace my debit card. Still on hold.The moment I regain access to my funds I will be closing my account with Alternatives Federal Credit Union and doing my business with their competitor. Absolutely atrocious customer service.

canmicjen1 xxx

canmicjen1 xxx

5 months ago

Such a pathetic credit union!! It doesn’t even try to do better. What “bank” in today’s age doesn’t have card controls!!! You can’t turn your card off or on. Doesn’t have the basics. I believe they aren’t even going to attempt to get a better system even after many complaints.If I have a problem with an online order and do a charge back or dispute you have to get a whole new card. Very behind the times!!!

James Crumley

James Crumley

3 months ago

When you schedule an appointment and can't keep it or entirely miss it for any reason, let someone know, don't just let an automated email survey go out. You used to be my absolute go-to but now I don't have the confidence that you're even here to begin with considering no-shows.

HamonWolf91

HamonWolf91

10 months ago

I live pay check to pay check and I've gotten a car loan and a personal loan from this bank, both without issue. I haven't tried calling for customer service as other people complain about but going through the app I've gotten immediate responses. Theyve never made errors or done me wrong, and are a HUGE upgrade in every way from my experience with Tompkins trust in trumansburg. Night and day difference, and I'm thankful they exist.

Renee Miller

Renee Miller

11 months ago

I was trying to get a loan for a plane ticket to Seattle for my brothers funeral, and they gave me the run around for weeks until I missed his funeral, they knew was retired but I have a 20 hour a week job as well. They finally told me after having me run to social security a few times that l didn't have enough money to get a loan for one thousand dollars. Really after giving me a year to pay it back. That hurt my heart so much ; even after banking with you guys for 2 years . I'm going to pull my account from this bank asap. They are the worst. And I'm going to protest against them as well. If your own bank can't help you in your time of bereavement then who?

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).