Alternatives Credit Union Ithaca NY | Low Mortgage Rates & Auto Loans

Introduction

Join Us Today!

Your financial journey deserves the best support possible. Whether you're looking to open an account or need guidance on loans and mortgages, we're here for you. Please feel free to give us a call at 607-273-4611 or visit us online at www.alternatives.org to learn more about how we can help you achieve your goals. Together, let's build a brighter financial future!

Our Services and Commitment

We offer a range of services designed to make banking easier and more accessible for you. From checking and savings accounts to auto loans and personal loans, our dedicated team is here to guide you every step of the way. In total, we have facilitated over 6,126 loans and leases for our members. Our CEO, Kevin Mietlicki, along with Board President Brian DeYoung, leads a team of 68 employees who are passionate about providing exceptional service. We're proud to have a full suite of online and mobile banking options available for your convenience. While you can always visit us at our branch in Ithaca, official correspondence should be sent to 125 N Fulton Street, Ithaca, NY 14850-3301 if it's different from our branch address.

Branch History & Mission

At Alternatives Federal Credit Union, we are proud of our rich history and the commitment we have made to our members and community since opening our doors in 1978. Nestled in the heart of Ithaca, NY at 125 N Fulton St, we have grown from a small credit union into a vital financial resource for nearly 13,000 members. Over the years, we have built a strong foundation based on trust, transparency, and service. Our journey began with a vision to provide accessible financial services tailored to the needs of our community. Today, with total assets exceeding $168 million, we offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions. Our mission goes beyond just providing financial products; we strive to empower our members to achieve their financial goals while fostering economic growth within our community. We understand that each member has unique needs. That's why we prioritize customer service and ensure that everyone feels welcome at our branch. Our operating hours are convenient Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 10:00 AM to 1:00 PM making it easy for you to visit us. We also feature drive-thru banking and ATM services for added convenience. Our mission is simple yet impactful: to promote financial well-being while supporting local initiatives and community outreach programs. We actively engage with various organizations in Ithaca to make a positive difference in the lives of those around us. Whether it's offering workshops on financial literacy or sponsoring local events, Alternatives is dedicated to being more than just a credit union; we are your partner in prosperity. For any official correspondence, please note that while you can visit us at our branch location, you may also reach us via mailing address at 125 N Fulton Street, Ithaca, NY 14850-3301. As we look toward the future, we remain committed to utilizing technology to enhance your experience with online and mobile banking options. We are constantly evolving to serve you better while ensuring that our facilities comply with ADA standards so that everyone can access our services without barriers. Join us today at Alternatives Federal Credit Union! Experience firsthand how we can help you navigate your financial journey with confidence and support. Together, let's build a brighter future for ourselves and our community. For more information about membership or services offered, feel free to give us a call at 607-273-4611 or visit us online at www.alternatives.org.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and other accommodations to ensure everyone can comfortably access our services.

Convenient Location

Finding us is simple! We're close to popular local landmarks, making it easy to swing by while you're out and about. If you're nearby shopping or enjoying time in downtown Ithaca, just pop in! Our branch is conveniently situated with ample parking available, ensuring that your visit is hassle-free.

Get in Touch!

We'd love for you to stop by or give us a call at 607-273-4611 if you have any questions or need assistance. At Alternatives Federal Credit Union, we're more than just a credit union we're part of your community. Come visit us today!

Operating Hours

We understand that life can be busy. That's why we offer flexible banking hours. You can visit us Monday through Friday from 9:00 AM to 6:00 PM, and on Saturday from 10:00 AM to 1:00 PM. Our drive-thru service allows you to complete transactions quickly without leaving your vehicle ideal for those on the go!

Services Offered

At Alternatives Federal Credit Union, we provide an array of personal banking services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we're dedicated to helping you achieve your financial goals. Need cash? We have ATM access right at our location for your convenience. While members can visit us at 125 N Fulton St for all their banking needs, official correspondence should be sent to our mailing address at 125 N Fulton Street, Ithaca, NY 14850-3301.

Member Eligibility

At Alternatives, we believe that becoming a member is like joining a supportive family where your financial well-being is our top priority. If you're looking to be part of something special, membership at Alternatives is open to anyone who lives, works, or attends school in our community. We welcome individuals from all walks of life, making it easy for you to access the financial services you deserve. Plus, as a member, you'll enjoy personalized support and a range of services tailored just for you. To start your journey with us, simply visit our branch located at 125 N Fulton St Ithaca Ny 14850, or give us a call at (607) 273-4611. Opening an account is straightforward and designed to fit into your busy life. For more detailed information about eligibility requirements and to stay updated on any changes, feel free to check out our website at . We're excited to help you take the next step towards better financial health!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In addition to loan options, our merchant services help simplify everyday transactions. Imagine running your café and being able to accept payments easily no more hassles with cash handling or complicated credit card processors. Our solutions are designed for efficiency, allowing you to focus on what you do best: serving your customers and growing your business. Located at 125 N Fulton St Ithaca Ny 14850 in Ithaca, NY, we're just a call away at (607) 273-4611. Let's work together to take your business to the next level!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $72 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $6,019,170, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

For those quick transactions, our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car. And if you prefer using an ATM, we provide access for balance checks and cash withdrawals so you're never left wanting. At Alternatives, we're not just about numbers; we're about people our members. We invite you to visit us at 125 N Fulton St Ithaca Ny 14850 or call us at (607) 273-4611 during our operating hours: Monday through Friday from 9:00 am - 6:00 pm and Saturday from 10:00 am - 1:00 pm. Explore how our services can support your financial journey today! For more information or to get started, visit us at Alternatives Federal Credit Union. We look forward to serving you!

Business Banking

Running a business? We haven't forgotten about you! Our Business Banking solutions include merchant services and business loans that empower local entrepreneurs to thrive. We're committed to supporting your business journey every step of the way.

Digital Features for Your Convenience

In today's fast-paced world, convenience is key. That's why we emphasize our Online & Mobile Banking features. With just a few clicks on your smartphone or computer, you can access your accounts anytime, anywhere. Our ATM & Cash Withdrawal Services ensure you have access to cash when you need it most.

Loans and Debt Solutions

For those looking for extra funds for personal projects or consolidating debt, our Personal Loans & Debt Consolidation offerings can provide the financial relief you need. Plus, our Credit Cards with Rewards program makes everyday purchases even more rewarding.

Personal Banking

Starting with Personal Banking, we offer both checking and savings accounts designed to fit your lifestyle. Imagine effortlessly managing your finances online or through our mobile app, allowing you to track your spending and save for future goals without any hassle. If you're considering purchasing a new car, our Auto Loans & Vehicle Financing options make it simple and straightforward. With competitive rates and flexible terms, you can hit the road with confidence. Similarly, our Mortgage Loans & Refinancing services help turn your homeownership dreams into reality or assist you in saving money by refinancing an existing loan.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check your account balances, transfer funds, and pay bills whenever it suits you. Plus, you'll love the ease of person-to-person transfers, making it simple to send money to friends or family without any hassle. And if you prefer paperless options, our e-statements let you view your financial documents securely online, saving trees and keeping everything organized. For those who want even more flexibility, our mobile application makes banking on the go a breeze. You can manage your accounts right from your smartphone, ensuring that you have access to your finances wherever life takes you.

Security and Ease of Use

Security is a top priority at Alternatives. Our platform offers electronic signature authorization, allowing you to sign documents securely from the comfort of your home. This means no more rushing to the branch for signatures or paperwork just straightforward banking with peace of mind. While we currently do not support mobile payments, we are always looking for ways to enhance your banking experience. The features we provide focus on accessibility and real-time account management so that you can stay informed and in charge of your finances. Explore how easy banking can be with us today! Visit https://www.alternatives.org/ to get started and discover all the ways Alternatives can help simplify your financial life.

Financial Strength

Dedicated Team

We also take pride in having 67 full-time employees and 1 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledgeable support.

Growing Member Base

Our total share accounts stand at 31,468, showcasing a strong and growing member base that trusts us with their finances. This trust allows us to continue reinvesting in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alternatives is your trusted partner. Visit us at 125 N Fulton St Ithaca Ny 14850 or call (607) 273-4611 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Savings

Members' savings are secured through $19,517,302 in share certificates and $1,556,515 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $7,690,631, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Robust Lending Capacity

With $1,230 in used auto loans and $92,209,340 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our commitment to operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Solid Financial Foundation

With a net worth of $18,609,499, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,099 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $13,776,667 in used vehicle loans and $2,277,163 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, we provide flexible terms and competitive interest rates to suit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $6,019,170 provide the capital needed to grow and expand your business. We understand the challenges entrepreneurs face and are here to support your financial journey. At Alternatives, we prioritize transparency and accessibility for all our members. If you're interested in applying for any of these loan products or have questions about eligibility or refinancing options, please feel free to reach out at 607-273-4611. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us partner with you in achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,575,740, make buying or refinancing simple. We guide you through each step of the process and offer refinancing options to help you manage your mortgage efficiently.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $910,734 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit your everyday purchases while providing the convenience you need.

Loan Aggregator

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ALTERNATIVES FEDERAL CREDIT UNION