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  2. Sidney Federal Credit Union

Sidney Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.45%1-year CD12 Month Variable Rate Adjustable CD
1.40% - Synchrony Bank 12 Month CDAdvertisement
0.10%SavingsMain Share
1.15% - CIT Bank Spring Savings
1.21%4-year CD48 Month Regular Fixed Rate CD
1.50% - Ally Bank Raise Your Rate 4-Year CDAdvertisement
View all Sidney Federal Credit Union rates »

Overview / Commentary
www.sfcuonline.org
607-967-7101
42 Union St
Sidney, NY 13838

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

Reviews (2)

Great banking without the fees

Posted by: Beck | Jun 12, 2015

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.

1

Generally Good Bank Experience

Posted by: OwlHead | Dec 2, 2016

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.

1


Health
A+

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #6011
Year Chartered1949
Employees147
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD2.29%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$462.2MM$429.3MM
LoansQ1 2017vs Q1 2016$244.5MM$238.9MM
DepositsQ1 2017vs Q1 2016$400.5MM$369.9MM
Equity CapitalQ1 2017vs Q1 2016$58.4MM$56.5MM
Loan Loss AllowanceQ1 2017vs Q1 2016$1.5MM$1.2MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.4MM$1.6MM
Real Estate OwnedQ1 2017vs Q1 2016$108.00K$134.00K
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$10k*-Money Management
OTHER TIERS: 0.10% → $2,500 - $5k | 0.15% → $5k - $10k

Sidney Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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
Locations


Sidney Federal Credit Union Locations
Branch Office42 Union StSidney, NY 13838
Branch Office3 Liberty StWalton, NY 13856
Branch Office65 Genesee StGreene, NY 13778
Branch Office53 Market StOneonta, NY 13820
Branch Office75 Oneida StOneonta, NY 13820
Branch Office16 S Main StBainbridge, NY 13733-1204
Branch Office5900 County Route 32Norwich, NY 13815
Branch Office70 W Front Street ExtHancock, NY 13783-1016
Branch Office5 Main StDelhi, NY 13753