The Sidney and Bainbridge branches of sfcu will be closed Thursday, September 29, from 10:30 am - 12:30 pm to allow employees to attend funeral services for Connor Glassett

Sidney Federal Credit Union

Current Rates


sfcu is a community financial institution, but it has the backing of some of the most powerful groups in America, like the National Credit Union Administration. Your savings accounts are insured up to $250,000 by the federal government. And your mortgage and loans are discounted based on how active you are with sfcu.


Here’s how a credit union works: We take the money our shareholders invest in us, and re-invest it in their neighbors – in you. When they succeed in life, so do you. So when you invest in a new car — or a boat or college education — we want to give you every chance to make it a success. The rate we can give you will be based on a number of things: collateral, term of repayment, your credit score and any extra deductions we can find for you.
Check our loan rates


Nothing compares to relaxing in your own home. No worries over what color to paint the walls, or hanging a picture of the kids. And if you maintain it well, your house gains in value, and your mortgage becomes a good investment. The mortgage rates we can offer you vary on a number of things, including the purchase price, the size of down payment, your credit rating, and any discounts we can offer you. Keep in mind two things: You will need to pay closing costs and maybe mortgage insurance – but we do everything we can to keep those low; and a mortgage on your primary residence is tax deductible, so you can afford more than you think you can. Our adjustable rate mortgages are guaranteed for a year, and we will never change the new interest rate by more than two percentage points, and never more than seven percentage points through the life of the mortgage.
Check our mortgage rates


Saving is a great game: As long as you play, you win. And the more you play, the more you win. sfcu gives you every way to play: Money markets, Christmas clubs, vacation clubs, basic savings. All your accounts are insured up to $250,000 by the federal government. So you can’t lose!
Check our savings rates