Sidney Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.45% | 1-year CD | 12 Month Variable Rate Adjustable CD 1.40% - Synchrony Bank 12 Month CD |
| 0.10% | Savings | Main Share |
| 1.21% | 4-year CD | 48 Month Regular Fixed Rate CD 1.80% - Goldman Sachs Bank USA 4 Year CD |
Sidney Federal Credit Union is headquartered in Sidney and is the 29th largest credit union in the state of New York. It is also the 570th largest credit union in the nation. It was established in 1949 and as of March of 2017, it had grown to 147 employees and 46,432 members at 9 locations. Sidney Federal Credit Union has an A+ health rating.
Field of Membership Restrictions
Membership is open to those who live, work, worship, attend school or have immediate family in select counties and towns in New York and Pennsylvania (membership requirements are listed in the credit union's online application).
See current membership details
Great banking without the fees
I've been with this credit union for years. All fees are reasonable and far less than any other banking institution I've been with. I didn't realize how good I had it til I signed up with a bank in college. The amount of fees at a typical bank is horrifying. It was such a relief to go back to SFCU after college.
The staff is always friendly and helpful. Even when I called their main office, they were able to help me in a timely manner. Their hours might leave something to be desired, but I live in the middle of nowhere, so that's to be expected.
The site is straight forward and simple. I haven't noticed any downtime so far. The user interface could use a little make over, but functionally it works fine.
Generally Good Bank Experience
The Sidney Federal Credit Union is, overall, a good bank. Generally, I have used this credit union for regular checking accounts, savings accounts, a mortgage account, as well as opening up a home equity line there. I do not like fees associated with the accounts, however, overall customer service has been generally fine. Sometimes there can be a high turnover rate. Generally, the employees appear pleasant, smiling, and helpful. The hours are okay, but could be a little better given that a lot of people begin work early in the morning and are not done with work until later on, perhaps after they are already closed. Of course, they follow the general guidelines for being closed on Federal holidays. Some of the branches of this credit union are open on Saturdays, while others do not appear to be open. Overall, it is a decent experience there.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 6011 |
| Year Chartered | 1949 |
| Employees | 147 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.29% |
| Return on Equity - YTD | 2.29% |
| Annual Interest Income | $3.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $462.2MM$429.3MM |
| Loans | Q1 2017vs Q1 2016 | $244.5MM$238.9MM |
| Deposits | Q1 2017vs Q1 2016 | $400.5MM$369.9MM |
| Equity Capital | Q1 2017vs Q1 2016 | $58.4MM$56.5MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $1.5MM$1.2MM |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $2.4MM$1.6MM |
| Real Estate Owned | Q1 2017vs Q1 2016 | $108.00K$134.00K |
Always verify rates and promotions with the bank or credit union. We are not Sidney 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.
Sidney Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.50%* | $5k* | - | Variable Rate HSA Checking | ||
| OTHER TIERS: 0.10% → $100 - $500 | 0.30% → $500 - $5k | |||||
| 0.10%* | $5k* | - | Main Share | ||
| OTHER TIERS: 0.05% → $100 - $5k | |||||
| 0.05% | - | - | Escrow (SFCU mortgages) | ||
| 0.05% | - | - | Christmas Club | ||
| 0.05% | - | - | Insurance | ||
| 0.05% | - | - | Vacation Club | ||
| 0.05% | - | - | Tax Club | ||
| 0.05% | - | - | Extra Christmas Club | ||
Sidney Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.20%* | $10k* | - | Money Management | ||
| OTHER TIERS: 0.10% → $2,500 - $5k | 0.15% → $5k - $10k | |||||
Sidney Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.21% | $500 | - | 48 Month Regular Fixed Rate CD | |
| 0.85% | $500 | - | 36 Month Regular Fixed Rate CD | |
| 0.85% | $10k | - | 36 Month Variable Rate Adjustable CD | |
| 0.70% | $500 | - | 30 Month Regular Fixed Rate CD | |
| 0.60% | $500 | - | 24 Month Regular Fixed Rate CD | |
| 0.60% | $10k | - | 24 Month Variable Rate Adjustable CD | |
| 0.50% | $500 | - | 18 Month Regular Fixed Rate CD | |
| 0.45% | $500 | - | 12 Month Regular Fixed Rate CD | |
| 0.45% | $10k | - | 12 Month Variable Rate Adjustable CD | |
| 0.35% | $1k | - | 6 Month Regular Fixed Rate CD | |
| 0.35% | $1k | - | 9 Month Regular Fixed Rate CD | |
| 0.25% | $1k | - | 91 Day Regular Fixed Rate CD |
Sidney Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.21% | $500 | - | 48 Month Traditional IRA | |
| 1.21% | $500 | - | 48 Month ROTH Conversion IRA | |
| 1.21% | $500 | - | 48 Month CESA | |
| 1.21% | $500 | - | 48 Month ROTH IRA | |
| 0.85% | $500 | - | 36 Month Traditional IRA | |
| 0.85% | $500 | - | 36 Month ROTH Conversion IRA | |
| 0.85% | $500 | - | 36 Month CESA | |
| 0.85% | $500 | - | 36 Month ROTH IRA | |
| 0.70% | $500 | - | 30 Month Traditional IRA | |
| 0.70% | $500 | - | 30 Month ROTH Conversion IRA | |
| 0.70% | $500 | - | 30 Month CESA | |
| 0.70% | $500 | - | 30 Month ROTH IRA | |
| 0.60% | $500 | - | 24 Month Traditional IRA | |
| 0.60% | $500 | - | 24 Month ROTH Conversion IRA | |
| 0.60% | $500 | - | 24 Month CESA | |
| 0.60% | $500 | - | 24 Month ROTH IRA | |
| 0.50% | $500 | - | 18 Month Traditional IRA | |
| 0.50% | $500 | - | 18 Month ROTH Conversion IRA | |
| 0.50% | $500 | - | 18 Month CESA | |
| 0.50% | $500 | - | 18 Month ROTH IRA | |
| 0.45% | $500 | - | 12 Month Traditional IRA | |
| 0.45% | $500 | - | 12 Month ROTH Conversion IRA | |
| 0.45% | $500 | - | 12 Month CESA | |
| 0.45% | $500 | - | 12 Month ROTH IRA | |
| 0.35% | $1k | - | 6 Month Traditional IRA | |
| 0.35% | $1k | - | 9 Month Traditional IRA | |
| 0.35% | $1k | - | 6 Month ROTH Conversion IRA | |
| 0.35% | $1k | - | 9 Month ROTH Conversion IRA | |
| 0.35% | $500 | - | 6 Month CESA | |
| 0.35% | $500 | - | 9 Month CESA | |
| 0.35% | $1k | - | 6 Month ROTH IRA | |
| 0.35% | $1k | - | 9 Month ROTH IRA | |
| 0.25% | $1k | - | 91 Day Traditional IRA | |
| 0.25% | $1k | - | 91 Day ROTH Conversion IRA | |
| 0.25% | $500 | - | 91 Day CESA | |
| 0.25% | $1k | - | 91 Day ROTH IRA | |
| 0.05% | - | - | 1 Month Traditional IRA | |
| 0.05% | - | - | 1 Month ROTH Conversion IRA | |
| 0.05% | - | - | 1 Month CESA | |
| 0.05% | - | - | 1 Month ROTH IRA |
| Sidney Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 42 Union St | Sidney, NY 13838 |
| Branch Office | 3 Liberty St | Walton, NY 13856 |
| Branch Office | 65 Genesee St | Greene, NY 13778 |
| Branch Office | 53 Market St | Oneonta, NY 13820 |
| Branch Office | 75 Oneida St | Oneonta, NY 13820 |
| Branch Office | 16 S Main St | Bainbridge, NY 13733-1204 |
| Branch Office | 5900 County Route 32 | Norwich, NY 13815 |
| Branch Office | 70 W Front Street Ext | Hancock, NY 13783-1016 |
| Branch Office | 5 Main St | Delhi, NY 13753 |