Sidney Credit Union Bainbridge NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Sidney, your trusted partner in financial growth, located conveniently at 16 S Main St, Bainbridge, NY 13733. Established in 1949, our credit union has been dedicated to serving the community with a commitment to reliability and personalized service. With a membership base of over 72,102 individuals, we pride ourselves on fostering strong relationships and understanding the unique needs of our members. At Sidney, we understand that financial security is vital for you and your family. That's why we offer a wide range of services designed to help you achieve your goals whether it's securing an auto loan, opening a savings account, or exploring business banking options. Our total assets stand at an impressive $1,019,323,157, reflecting our solid foundation and ability to support your financial endeavors. While members can visit us at our Bainbridge branch for all their banking needs, official correspondence should be sent to our mailing address at 42 Union St, Sidney, NY 13838. Our team is here to assist you from Monday to Friday from 9 a.m. to 6 p.m. and on Saturday from 9 a.m. to 12 p.m. You can reach us easily by phone at 607-967-7114. Led by CEO Jim Reynolds and Board President Scott McLean, our dedicated team of 212 employees is passionate about providing exceptional service and guidance. We believe in giving back to the community that supports us; hence our mission goes beyond just banking it's about building a better future together. Whether you're looking to take out one of the 48,567 loans we currently offer or simply want to learn more about how we can help you save money with our competitive deposit rates totaling $12,791,572, we invite you to explore what we have to offer. Visit us online at sfcuonline.org or stop by our branch today! Your financial journey starts here with Sidney Credit Union where members matter most!

Branch History & Mission

At Sidney Credit Union, known locally as Bainbridge, we take pride in our rich history and unwavering mission. Established in 1949, our branch has been a cornerstone of the Bainbridge community for over seven decades. Located at 16 S Main St, Bainbridge, NY 13733, our branch has grown alongside its members, adapting to their needs and the changing financial landscape. From our humble beginnings, we have transformed into a trusted financial institution with a total membership of 72,102 and total assets exceeding $1,019,323,157. This growth reflects not only our dedication to serving the financial needs of individuals and families but also our commitment to enhancing the overall well-being of our community. Our headquarters in Sidney, NY, allows us to maintain strong ties within the region, fostering relationships that benefit everyone. Our mission is clear: to provide accessible financial services while supporting our local communities. We offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. We understand that each member's journey is unique; therefore, we strive to create tailored solutions that help them achieve their goals. While members can visit us at 16 S Main St, official correspondence should be sent to 42 Union St, Sidney, NY 13838. Our branch operates Monday through Friday from 9 a.m. to 6 p.m. and Saturday from 9 a.m. to 12 p.m., ensuring we are available when you need us most. As part of our ongoing commitment to innovation and accessibility, we proudly offer digital banking options such as online banking and mobile payments. Our drive-thru service provides added convenience for those on the go, allowing quick access for deposits and withdrawals without leaving your vehicle. Community outreach is at the heart of what we do. We actively engage in partnerships and initiatives aimed at improving the lives of those in Bainbridge and surrounding areas. From financial education workshops to local sponsorships, we believe in giving back because when our community thrives, we all benefit. We invite you to join us at Sidney Credit Union Bainbridge Branch to experience firsthand how we can help you manage your finances effectively while supporting the community you love. Visit us today or explore more about membership opportunities on our website: sfcuonline.org. Together, let's build a brighter future!

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance, feel free to give us a call at 607-967-7114. Our knowledgeable staff is here to help! We invite you to stop by and discover how Sidney Credit Union can support your financial goals today!

Location Highlights

Our branch is ideally situated near local landmarks, making it easy for you to find us. You can enjoy ample parking right outside, ensuring that your visit is hassle-free. For those requiring special accommodations, we are fully ADA compliant, featuring ramps and accessible entrances to assist all members.

Operating Hours

Our friendly team is available to serve you Monday through Friday from 9 a.m. to 6 p.m., and on Saturday from 9 a.m. to 12 p.m. This schedule is designed with your convenience in mind, allowing you to fit banking into your busy lifestyle.

Services Offered

At the Sidney branch, we offer a variety of services tailored to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Plus, our drive-thru service allows you to conduct simple transactions without leaving your vehicle perfect for those on the go. If you need cash quickly, don't forget about our ATM availability! While members can visit us at the main branch address, official correspondence should be sent to our mailing address at 42 Union St, Sidney, NY 13838.

Member Eligibility

At Sidney, we believe that becoming a member is like joining a family where everyone is valued and supported. If you're looking to join us at our welcoming branch located at 16 S Main St Bainbridge Ny 13733, you'll be pleased to know that membership is open to individuals who live, work, worship, or attend school in our community. It's really that simple! Whether you're a first-time account holder or looking for more financial options, we are here to help you every step of the way. To get started, you can find detailed eligibility criteria on our website at https://sfcuonline.org/about/membership/ . Once you see that you qualify, opening an account is easy! Just visit this link for account opening details: https://sfcu.wufoo.com/forms/s1ajk3gx0o9gsjs/ . If you have any questions or need assistance, don't hesitate to give us a call at (607) 967-7114. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support to turn your ideas into reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $55 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $26,476,831, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's world, efficient payment processing is crucial for any business. At Sidney, our merchant services help you accept payments seamlessly, whether online or in-store. This means you can focus on what matters most: serving your customers and growing your business. Visit us at 16 S Main St Bainbridge Ny 13733 in Bainbridge, NY, or give us a call at (607) 967-7114 to learn how we can support your business banking needs today!

Comprehensive List Of Services

Business Banking Services

For local businesses, we understand how vital it is to have reliable banking support. That's why we offer a suite of business banking services, including merchant services to help you process payments seamlessly and business loans to fuel your growth ambitions.

Digital Banking Convenience

In today's fast-paced world, convenience is key. At Sidney, we prioritize your time with robust online and mobile banking features. You can easily check your balances, transfer funds, and pay bills right from your phone or computer. Our ATM & cash withdrawal services are also readily available, ensuring you have access to your funds when you need them.

Drive-Thru & ATM Services

For quick transactions, take advantage of our basic drive-thru banking options where you can make deposits, withdrawals, and handle simple transactions without leaving your car. We also provide basic ATM access for quick withdrawals or balance checks, making banking as easy as possible. At Sidney, located at 16 S Main St Bainbridge Ny 13733, we're here for all your financial needs. If you're interested in any of these services or want more information about how we can assist you further, please don't hesitate to reach out at (607) 967-7114. Join us today and experience the difference that personalized service can make in managing your finances!

Personal Banking Solutions

When it comes to personal banking, we have you covered with options that fit your lifestyle. Whether you're opening a checking or savings account, we offer straightforward choices that help you manage your money effectively. If you're looking to purchase a vehicle, our auto loans and vehicle financing options make it easy and affordable. For those dreaming of homeownership, our mortgage loans and refinancing services provide competitive rates and flexible terms. If you find yourself needing extra cash for unexpected expenses, our personal loans and debt consolidation services are designed to support you during challenging times. Plus, don't forget about our credit cards with rewards, which can give you extra benefits while you spend.

Digital & Online Banking

Enjoy More Flexibility

One of the most exciting aspects of banking with us is the mobile payments feature. Whether you're shopping in-store or online, making payments has never been easier. Simply link your account through our app and enjoy quick checkouts with added peace of mind. We believe in making banking not only easy but also accessible for everyone. With user-friendly tools and real-time account management, you can stay informed about your financial status without any hassle. Explore all these great features today by visiting https://sfcuonline.org/ ! At Sidney, we're here to help you make the most of your banking experience, wherever life takes you.

Key Features for Easy Banking

Our online banking services are available 24/7, allowing you to check your balance, transfer funds, and pay bills without ever leaving home. Need to send money to a friend? With our person-to-person transfer feature, you can quickly send or receive money with just a few taps on your smartphone. Plus, our mobile application ensures that all these features are right at your fingertips. Security is always a top priority at Sidney. You can rest easy knowing that our electronic signature authorization makes transactions safe and straightforward. For those who prefer paperless options, e-statements are available, providing you with a secure way to view your financial statements without the clutter.

Financial Strength

A Growing Community

Total Share and Deposit Accounts stand at 150,307, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $2,479,656, further emphasizing our commitment to your financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sidney is your trusted partner. Visit us at 16 S Main St Bainbridge Ny 13733 or call (607) 967-7114 to learn more about how we can help you achieve your financial goals.

Committed to Growth and Support

With $93,441,429 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is reflected in our lending capacity; with $17,609 in used auto loans and $827,011,937 in total loans and leases, we support members' financial goals across various sectors. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 202 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $383,032,384 in share certificates and $109,773,638 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundations

With a net worth of $109,204,682, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,070 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

For business owners, our outstanding commercial loans totaling $26,476,831 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for operational costs, we have options available to support your business journey. If you're considering refinancing any existing loans or exploring eligibility options, our team is here to guide you through every step of the process. We aim to make your experience as smooth as possible while providing personalized service tailored to your individual needs. For more information about our loan products or to start your application today, feel free to give us a call at (607) 967-7114 or visit us at our branch during operating hours: Monday - Friday 9 a.m. - 6 p.m., Saturday 9 a.m. - 12 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial aspirations with confidence!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $333,058,927 in used vehicle loans and $162,717,780 in new vehicle loans already helping members get on the road. We make financing simple and straightforward, so you can focus on enjoying your new ride.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $66,946,859, make buying or refinancing simple. We provide competitive rates and flexible terms that can fit your financial plan.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $19,074,770 in loans helping members manage their finances effectively. This product is perfect for those who want to maintain control over their spending while enjoying the convenience of a credit card.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions. This transparency helps users trust the options presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can compare loans without worrying about hidden agendas. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly find the best deals available in the market. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight how effective and beneficial this tool can be for individuals seeking loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that all offers are fair and transparent. By focusing on reliable sources, LendMesh guarantees that users have access to accurate information for making informed decisions.

SIDNEY FEDERAL CREDIT UNION