Sidney Federal Credit Union

Rated star_ratedstar_ratedstar_ratedstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 3 out of 5

42 Union St, Sidney, NY 13838

Website

(607) 561-7300

Data Source: NCUA, December 31, 2016


Sidney Federal Credit Union was founded in 1949. Headquartered in Sidney, New York, Sidney Federal Credit Union is a federally chartered and federally insured credit union, operating within the regulation of the National Credit Union Association (NCUA) and being insured through the National Credit Union Share Insurance Fund (NCUSIF). Sidney Federal Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Sidney Federal Credit Union services 47,161 members through its 9 offices and branches and 149 full-time and 10 part-time employees. It has $445,116,689 of total assets and $58,927,214 of net worth. Based on its asset size and net worth ratio, Sidney Federal Credit Union is classified as a Well Capitalized medium large credit union.

Sidney Federal Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Sidney Federal Credit Union also provides an array of services to its members and local communities. Sidney Federal Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Sidney Federal Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in New York and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of New York
Median of USA
Checking
0.0000
0.0000
0.0000
Savings
0.1000
0.1500
0.1200
Money Market
0.2000
0.2500
0.2500
Certificate Deplit
1.2000
0.6000
0.5800
IRA
1.2000
0.5000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of New York
National Median Rates
Credit Cards
14.4000
9.9000
9.9900
Unsecured Line of Credits
6.6500
9.9400
10.9500
Short-term Small Amount
n/a
24.0000
25.0000
Student Loans
n/a
6.0000
6.0200
New Car Loans
2.4500
3.0000
3.3300
Used Car Loans
2.4500
4.2500
4.5000
1st Mortgage Real Estates
4.7500
4.0000
4.2500
Other Real Estates
1.0000
4.4700
4.7000

Sidney Federal Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Sidney Federal Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
Yes
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

As a community financial institution, Sidney Federal Credit Union actively involves in local communities by prliding services such as financial education, and first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
Yes
Insurance/Investment Sales
No
First Time Homebuyer Program
No
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Sidney
Main Office

42 Union St
Sidney, NY 13838
Phone:607-561-7300

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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