Featured Savings Rates
Featured Accounts

Sidney Federal Credit Union

Popular Accounts at this Credit Union

0.45%1-year CD12 Month Variable Rate Adjustable CD
1.21%4-year CD48 Month Regular Fixed Rate CD

Overview / Commentary
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 June of 2016, it had grown to 149 employees and 47,155 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.
See current membership details

Reviews (1)

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.


Health Grade Components

NCUA #6011
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD5.24%
Annual Interest Income$7.5MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$435.7MM$415.3MM
LoansQ2 2016vs Q2 2015$241.7MM$239.0MM
DepositsQ2 2016vs Q2 2015$374.6MM$359.1MM
Equity CapitalQ2 2016vs Q2 2015$57.7MM$53.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.2MM$1.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.7MM$1.1MM
Real Estate OwnedQ2 2016vs Q2 2015$248.00K$281.00K
Skip to rates for:
Report an Issue

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

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%--Vacation Club
0.05%--Tax Club
0.05%--Extra Christmas Club

Sidney Federal Credit Union Money Market Rates

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

Sidney Federal Credit Union CD Rates

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

1.21%$500-48 Month Traditional IRA
1.21%$500-48 Month ROTH Conversion IRA
0.85%$500-36 Month Traditional IRA
0.85%$500-36 Month ROTH Conversion IRA
0.70%$500-30 Month Traditional IRA
0.70%$500-30 Month ROTH Conversion IRA
0.60%$500-24 Month Traditional IRA
0.60%$500-24 Month ROTH Conversion IRA
0.50%$500-18 Month Traditional IRA
0.50%$500-18 Month ROTH Conversion IRA
0.45%$500-12 Month Traditional IRA
0.45%$500-12 Month ROTH Conversion 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
0.25%$1k-91 Day Traditional IRA
0.25%$1k-91 Day ROTH Conversion IRA
0.05%--1 Month Traditional IRA
0.05%--1 Month ROTH Conversion IRA

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