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Sidney

42 Union St, Sidney, NY 13838
NCUA Insured3.9 (82 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1949

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

42 Union St

Sidney, NY 13838

Service Area

This credit union is located in Sidney and serves members in the NY area. Currently serving 75,308 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.84%

Used Auto Loan

7.79%

Personal Loan

11.64%

Credit Card APR

13.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(13 total)

Member Reviews

3.9

82 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
George Moschner

George Moschner

3 months ago

This branch has decided to yell at me because they won’t help me because they don’t recognize transgender People. I’ve called the department of banking and financing and I reported them and I’ve also reported them to my attorney and I’m going to be suing them because I’m going to be losing my home because they will not let me access my funds. These people are disgusting and arrogant and they seem to think they know it all They want me to drive five hours to come into their branch when I live in another When something can be handled over the phone oh, and by the way, when you answer all their questions They don’t care they seem to think because my voice is a bit more feminine because I’m on estrogen that I’m not who I say I am so they won’t help me so apparently transgender people are not welcome at Sidney Federal Credit Union

Norma Viele

Norma Viele

4 months ago

After my husband died a member of SFCU was VERY helpful in all that had to be done. And Very helpful in answering questions on how and when to get my finances straitened out. His name is Zachary Kniskern.

Lolachikadee Ruth

Lolachikadee Ruth

9 months ago

Nicole and Gabi both were stellar in assisting us as new members. Being new to the community, actually the whole state of NY we were touched to be treated so warmly and personably by both women. Nicole bore the brunt of our account opening as we didn't have necessary paperwork when we spoke with Gabi. Nicole made me feel like I had found a long lost friend at a high school reunion ( though she's MUCH younger than me!) My point being- a kindred spirit. She gave us good advice, recommended local names to help us move into our new home and basically became an instant friend. Kudos to both ladies!!

Elaine Card

Elaine Card

9 months ago

I have been an SFCU client for nearly 20 years. The employees are professional, considerate and helpful. It is a terrific credit union to do business with and I recommend them whole-heartedly.

joseph ortiz

joseph ortiz

8 months ago

Wow. Just wanted info on Home Equity Loan on the phone. Left me on hold for over 10mins before I hung up. One star for hearing a human voice to tell me to hold.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).