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Savings Accounts

A safe place to store money, while earning some dividends!

Everyone needs a secure place to store money and build for their goals. A Savings Account from SFCU will allow you to store your money securely, while earning some dividends to help you reach your goals even faster.

No Monthly Maintenance Fees

$5 Minimum Opening Balance

It doesn't take much to start saving for your goals. Open an SFCU Savings Account with just $5.

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Online and Mobile Banking

Keep an eye on your savings balance from your computer or mobile device with free access to online and mobile banking.

Withdraw Anytime

It's your money; use it as you wish! There aren't any lock-in rates, so you can withdraw money whenever you need.

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Federally Insured

SFCU Savings Accounts are federally insured to at least $250,000 by the NCUA, so you can enjoy peace of mind knowing your funds are safe.

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Earn Dividends

Put your money to work and earn dividends on your savings account balance to reach your financial goals even faster.

Rates

View rates
As high as APY*

Calculate your monthly savings

Let's see what your earnings could be.

Final Balance

Contributions:     |    Earnings: 
Amount
$
Interest Rate
%
Monthly Contribution
$
Months
Withdraw Anytime

Complete financial flexibility

With a Savings Account from SFCU, your funds are not locked in. You can deposit or withdraw money at any time, giving you more financial flexibility to use your savings however you need.

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Online and Mobile Banking

Keep an eye on your financial growth

When you open a Savings Account with SFCU, you'll get access to our online and mobile banking platforms. Manage your account and watch your balance grow right from your computer or mobile device — anytime, anywhere!

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Frequently Asked Questions

  • The NCUA provides a handy Share Insurance Toolkit at mycreditunion.gov

  • 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?

      • 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.
  • The minimum deposit required to open an SFCU Membership Savings Account is just $5.00.

  • Routing#: 221379905

  • SFCU’s mailing address is:

    Sidney Federal Credit Union
    42 Union Street
    Sidney, NY 13838

    Please use this address for general mail and correspondence.

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    How do I close my SFCU account or cancel my membership?

    If you’d like to close your SFCU account or cancel your credit union membership, we’re here to help. You can contact us in any of the following ways:

    • Email: cuonline@sidneyfcu.org
    • Phone: 877-642-7328 during normal business hours
    • In person: Visit your nearest SFCU branch

    To protect your account, we’ll need to verify your identity and account ownership before completing your request. Depending on the accounts, loans, or other services you have with SFCU, additional steps may be required before your membership can be closed.

    Moving out of the area? You don’t have to close your SFCU account. You can continue banking with SFCU from almost anywhere with 24/7 access to Online and Mobile Banking, access to CO-OP Network ATMs, and participating Shared Branching locations.

    Before closing your account because of a move, contact us to learn more about the ways you can continue managing your SFCU accounts wherever life takes you.

  • If you moved or need to update your mailing address, you can update your address by:

    • Emailing SFCU at cuonline@sidneyfcu.org
    • Calling 877-642-7328 during normal business hours
    • Visiting your local SFCU branch

    SFCU is also adding a new enhancement to Online Banking that will allow members to update their mailing address directly within Online Banking. This feature will be available soon.

    Currently, members can update their phone number and email address through SFCU Online and Mobile Banking.

  • You will need the following information to complete your online application:

    •  A Valid United States ID
      • This can be a valid US 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 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
    If you’re already a member and would like to open a checking or additional share account, you can easily do so through online or mobile banking. You can also give us a call, visit your local branch, or connect with a live representative through chat.

Excellent service from all branches, ease of transactions, convenience and locations, friendly staff, low loan rates

— Christine D

How it works

Apply online or in branch

  • 1

    Open an account

    Provide some simple information to open your account.

  • 2

    Make an initial deposit

    Get started with an initial deposit of at least $5.

  • 3

    Save money

    Stash away funds for future goals or a rainy day.

Open a Savings Account

 

Have a question? Get in touch with us

Everyone needs a safe place to save

Enjoy the security and features of an SFCU Savings Account to help you save for your goals, a rainy day, or for the future. There's no better way to save!