ALTERNATIVES

125 N FULTON STREET
Ithaca, NY 14850

Notable Rates APY Vs.Others
Savings 0.05% 2.30% →
1-Year CD 0.80% 2.25% →
2-Year CD 1.05% 2.50% →
5-Year CD 1.92% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Alternatives is an NCUA insured institution located in Ithaca, NY. It was founded in 1978 and has approximately $112.3 millions in assets.

NCUA Insured Yes
Charter Number # # 23283
Date Established 1978
Assets $112.30 million
Loans $93.38 million
Deposits $100.44 million
Capital $9.06 million
 

Field of Membership Restrictions

Must live in Ithaca, Tompkins or adjacent counties (Cayuga, Chemung, Cortland, Seneca, Schuyler or Tioga).

Deposit Rates - December 8, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.80% $2,500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.35% $500 - Learn MoreShow Less
6 Mo CD
0.55% $500 - Learn MoreShow Less
12 Mo CD
0.80% $500 - Learn MoreShow Less
24 Mo CD
1.05% $500 - Learn MoreShow Less
36 Mo CD
1.31% $500 - Learn MoreShow Less
48 Mo CD
1.51% $500 - Learn MoreShow Less
60 Mo CD
1.92% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $5 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $5 $9,999 Learn MoreShow Less

Loan Rates - December 8, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ALTERNATIVES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% 0.00 ($65) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to ALTERNATIVES
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Alternatives branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Alternatives Locations


Financial Details

Alternatives Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alternatives. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Alternatives U.S. Average
0.63% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Alternatives had $31,033 in non-current loans and $29,440 in owned assets. To cover these potential losses it had $9,063,783 in net worth and $542,022 in loans loss reserves. That gives it a Texas Ratio of 0.63%.

Net Worth
Alternatives U.S. Average
8.07% 13.65%

Alternatives FCU has a net worth of 8.07% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Alternatives

Branches and Savings

What is Alternatives?

A federal credit union, registered with the NCUA under certificate #23283.
Learn more about credit unions here.

Is Alternatives FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Alternatives?

Please see Field of Membership information above for information on who is eligible to join.

What are Alternatives's share account and share certificate rates?

Alternatives's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Alternatives?

Alternatives has total capital of $9.06 million. Full information on Alternatives's financial position is located above.

Who owns Alternatives?

Credit Unions are owned by their members.

Where are Alternatives branches located?

See branch locations nearby.

Are Alternatives ATMs Open 24/7?

Do Alternatives ATMs accept cash deposits?

Can Alternatives customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Alternatives have a mobile app?

Does Alternatives have mobile deposit?

Does Alternatives have quick pay?

How can Alternatives transfer money to other banks or credit unions?

Does Alternatives report to credit bureaus?

Does Alternatives use Chexsystems?

Does Alternatives use Equifax?

What is Alternatives's toll free phone number?

What is Alternatives's ACH Routing Number?

What is Alternatives's SWIFT code?

Where can I find Alternatives's wire transfer form?

What is the Alternatives address for deposits?

What Products Does Alternatives Offer

Does Alternatives offer mortgages?

Compare mortgage rates here.

Does Alternatives offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alternatives offer auto and RV loans?

Compare auto loan rates here.

Does Alternatives offer student loans or personal loans?

Compare personal loan rates here.

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