Alternatives Federal Credit Union

Alternatives Federal Credit Union serves the LGBTQ+ community with equitable and affirming financial services.

Alternatives lends to under-resourced communities, providing financial education, business coaching, and low-interest loans.

Routing information for direct deposits to Alternatives Federal Credit Union members: routing and transit number (also known as ABA number) is 221381867.

Alternatives helped a family open a diner by creating a custom financial plan that protected their personal assets.

Michael Herceg | Small Business Development Center

The Tompkins County Living Wage has been updated to $24.82 per hour.

The Louise Herring Philosophy-in-Action Member Service Award is awarded to a credit union for its practical application of credit union philosophy within the actual operation of the credit union. It is awarded for internal programs and services that benefit membership.

“Creating Access to Fair Financial Products and Services for People and Businesses in Low-Income and Historically Marginalized Communities.”

With a distinguished career spanning over three decades in the credit union industry, Kevin has consistently demonstrated his unwavering commitment to member service and community engagement.

Alternatives engages employees in its mission of economic justice and community empowerment beyond providing financial services.

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 10/23/2026. Fees may reduce earnings.

Alternatives publishes a schedule of account-related fees.

Alternatives’ board members bring diverse expertise to provide inclusive financial services for the community.

The page shares member stories and community impact from Alternatives.

Alternatives Federal Credit Union offers scholarship opportunities alongside the New York Credit Union Association (NYCUA) and its CNY Chapter.

Alternatives was selected by Viewpoint, a media company that creates educational content for Public Television in all 50 states. Their segments air on major networks like CNBC, FOX Business, Discovery Channel, Learning Channel and Headline News.

Community Development Financial Institution · Member-Owned · Since 1979

Alternatives offers nationwide branch access, ATMs, and in-person service at its main office.

Alternatives accepts email inquiries about hours, loan products, and account details.

Alternatives FCU aims to build wealth and create economic opportunities for underserved people and communities.

Alternatives Federal Credit Union prioritizes privacy, disclosing how it collects, uses, and protects nonpublic customer information.