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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 financial 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

Whether you need a loan or a line of credit, the knowledgeable experts at SFCU can help you secure funding with competitive rates to cover purchasing a new home, buying a car, paying for repairs, or anything else life might throw your way.


Local Knowledge

At SFCU, we're passionate about our neighborhood. That's why we offer completely local service from people who know the area to provide the personalized financial services for our neighbors.

How to Join

The process is easy to join SFCU and become a member. Simply open a savings account online and deposit at least $5. 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.

Join Today

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.

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!

Frequently Asked Questions

  • Routing#: 221379905

  • The NCUA provides a handy Share Insurance Toolkit at

  • 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:

    1. Provide Routing Number, which is 221379905
    2. 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.
    3. 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.


  • You can find a detailed Service Fee Schedule here.

  • 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.