Join SFCU & experience banking easier
If you or an immediate family member - live, work, attend school, worship, or regularly conduct business in one of our counties of operation, we'd love to have you! Become a member of SFCU and experience superior service and exceptional financial services — along with a friendly, neighborhood touch.
Why join?
At SFCU, we provide a wide range of financial services backed by local knowledge to suit just about any need. Check out just a few of the services we offer.
Banking Services
From savings and checking accounts to IRA and share certificate accounts, our friendly experts can find the accounts to fit your needs and help you reach your goals.
Business Accounts
Running a business is tough enough; your banking shouldn't be! Open a business checking or saving account with SFCU to simplify managing your business finances.
Lending Services
The knowledgeable experts at SFCU can help with competitive rates to cover purchasing a home, buying a car, paying for repairs, opening a line of credit, or anything else life might throw your way.
Local Knowledge
At SFCU, we're passionate about our neighborhood. That's why we offer local service from people who know the area to provide the personalized financial services for our neighbors.
How to Join
It’s easy to become a member is easy. Simply open a savings account online with a $5 deposit to get started. That’s all it takes to become eligible to apply for any other services we offer!
You Belong Here
Anyone who lives, works, worships, attends school or regularly conducts business in the following New York Counties or Towns are eligible to become a member with SFCU:
- Chenango
- Cortland
- Delaware
- Essex
- Fulton
- Hamilton
- Madison
- Montgomery
- Onondaga
- Otsego
- Schoharie
- Colesville, Sandford, and Windsor Towns in Broome County
- Sangerfield, Bridgewater, Augusta, Marshall, Paris, Vernon and Kirland Towns in Oneida County
- Winfield, Litchfield, Columbia, Warren, Stark, Danube, Frankfort and German Flats Towns in Herkimer County
This also includes, employees of SFCU, immediate family or household members, organizations of such persons, and corporate or other legal entities.
Let's do this!
It only takes a few minutes to get started with a savings account. From there, a world of banking easier awaits you! Here’s what you’ll need:
- Government issued ID/Drivers License/State ID or Passport with current address
- Your complete physical and mailing address
- Social Security Number
- Date of birth
- Email address
- Telephone number(s)
Why Bank with Us
With comprehensive financial services and friendly, knowledgeable experts, SFCU is the one-stop-shop for all your financial needs.
Our Mission and Vision
At SFCU, we strive to make banking easier and more accessible for all. We believe everyone should have access to the financial tools and funding they need to grow and achieve their dreams.
Solutions and Service
Get all the banking tools and services you need to grow.
Become an SFCU Member
It's easy to get started and experience banking easier. It takes just a few minutes to open a new account and become an SFCU member!
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Routing#: 221379905
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The NCUA provides a handy Share Insurance Toolkit at mycreditunion.gov
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Whether you wish to send a one-time direct deposit, such as your tax refund, or your recurring paycheck – SFCU wants to make it easy.
Here is all you need to do:
- Provide Routing Number, which is 221379905
- Provide your Account Number. DO NOT include the suffix. Ex. If your Account Number is 123456 and your checking account suffix is 0700, do not provide 123456-0700. Only provide 123456. Also, do not include any leading zeros.
- If the form asks if the funds go to savings or checking, make your selection. If no selection is made AND you have an SFCU checking, the funds will be deposited into the checking account.
It’s as simple as 1-2-3. If you have any additional questions, select the chat option during virtual branch hours or call to speak with a representative.
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You can find a detailed Service Fee Schedule here.
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At SFCU, we know that choosing the right insurance is an important decision for your financial future. Through our partnership with TruStage, members have a variety of choices so that you can choose the plan that is right for you and your family. Our partners at TruStage offer our members options for life insurance, car insurance, homeowner’s insurance, renter’s insurance, and more.
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You will need the following information to complete your online application:
- A Valid ID
- This can be a valid driver’s license, a government issued photo ID, state ID, or military ID.
- Youth Accounts Only: If minor does not have a valid driver’s license/permit. Color copy of birth certificate and/or social security card. We will also accept a copy of school identification, baptism certificate or medical card in the event both birth certificate and social security card are not available.
- Save time by scanning the back of your driver’s license to prefill your application!
- Your Complete Physical Address
- If your current address does not match your ID, we will need proof of your current physical address.
- This can be a paystub, utility bill, tax bill, or vehicle registration that includes your name and current physical address on it.
- Funding Method
- Your new account can be funded with a credit card, debit card (Discover, Mastercard or Visa) or be prepared with an account number and routing number.
- Adding Joint Owners or Beneficiaries?
- You will need their name, address, date of birth and social security number. If you do not have that information at time of account opening, proceed with the application as an individual account and we can help you get them added later.
- If adding a joint owner, we will also need a valid ID.
- A Valid ID
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Parent/Guardian – Please provide one of the below:
- US/State Driver’s License/Permit or state ID card
- Interim ID accompanied by expired photo ID (no more than 60 days past expiration)
- US Passport or Passport Card
- US/State/County Sheriff’s ID
- NY State Benefits Card with photo
If the address on your ID does not have your current physical address or does not contain an address we must obtain proof.
- Recent paystub (last 30 days)
- Recent Utility Bill with service address (last 30 days)
- Recent cell phone bill (last 30 days)
- Current vehicle registration or vehicle insurance card
- Current lease with landlord & renter’s signature
- Current year property tax receipt/bill or deed
Minor
- Color copy of IRS issued Social Security Card
- Color copy of Birth Certificate
Additional options if the above are not available:
- School Identification
- Baptism Certificate
- Medical Card
Funding Method
- Your new account can be funded with a credit card, debit card (Discover, Mastercard or Visa) or be prepared with an account number and routing number.
Adding Joint Owners or Beneficiaries?
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- You will need their name, address, date of birth and social security number. If you do not have that information at time of account opening, proceed with the application as an individual account and we can help you get them added later.
- If adding a joint owner, we will also need a valid ID.
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