Loans

Member deposits fuel one of our most vital services - loans. When members bank with sfcu we reinvest these deposits in the emerging local economy. With several loan options, competitive rates, and quick approvals sfcu has a solution to meet all your needs.

Member Rewards

Did you know that just by having direct deposit and automatic payments you can recieve a 0.50% discount on many sfcu loans?! Ask your loan officer when you apply if your loan qualifies!

Auto Loans

Secured Loans

Unsecured Loans

Credit Cards

Mortgage Loans

Business Loans

Skip-A-Payment

One less loan payment per calendar year when it's most convenient to you! Stop by any convenient sfcu branch to see if you are eligible or call 877-642-7328. A $25 fee and some restrictions apply. See form for agreement details.

Request Forms

Fillable Online Form

Apply Online

or CALL 877-642-7328

www.sfcuonline.org contains links to websites owned and operated by third parties. By accessing these links, you acknowledge that Sidney Federal Credit Union (sfcu) is not responsible for content on third party websites, nor does sfcu represent members or companies in any transactions on these sites. Privacy and security policies on third party websites may differ.

Rates and earnings advertised through sfcu's website, ads, and promotions may be subject to change based on account fees.

COVID Pandemic Updates

Market St and Oneida St Branches in Oneonta are currently offering drive-up service only (lobbies are closed)