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Join SFCU & experience banking easier

If you or an immediate family member live, work, attend school, or worship 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

It’s easy to become an SFCU 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, goes to school, or conducts business in the following New York counties is eligible to become a member with SFCU:

  • Essex
  • Hamilton
  • Fulton
  • Montgomery
  • Specific areas in Herkimer
  • Specific areas in Oneida
  • Madison
  • Onondaga
  • Cortland
  • Chenango
  • Otsego
  • Schoharie
  • Delaware
  • Specific areas in Broome
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

  • 9 MONTH SHARE CERTIFICATE – beginning 4/3/2023

    5.00% APY* with a $100,000 Minimum Balance


    4.75% APY* with a $500 Minimum Balance

    New Money Only

    RATES     |          877.642.7328          |          OPEN TODAY 

    *APY = Annual Percentage Yield. APY for the 9-Month term accurate as of 04/03/2023. Offer valid for new money only and does not apply to funds already on deposit with SFCU. $100,000 minimum balance required for the 5.00% APY and a $500 minimum balance is required for the 4.75% APY. Rates are reviewed weekly and are subject to change at any time without notice. The APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is made prior to the maturity date. Fees may reduce earnings on account. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Membership eligibility required.


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