Sidney Credit Union Cicero NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Sidney, your trusted financial partner located at 8062 Brewerton Rd, Cicero, NY 13039. Since our establishment in 1949, we've dedicated ourselves to serving our community and fostering strong relationships with our members. With a proud membership of over 72,102 individuals, we are committed to providing personalized financial solutions that meet your needs. At Sidney, we understand the importance of having a reliable partner for your financial journey. Our assets amount to an impressive $1,019,323,157, ensuring that we have the resources necessary to support our members. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. While you can visit us at our Cicero branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 42 Union St, Sidney, NY 13838. Our friendly team is ready to assist you with any inquiries or services you may require. Led by CEO Jim Reynolds and Board President Scott McLean, our team of 212 employees is here to help you navigate your financial goals. We take pride in offering a variety of services including online banking, mobile payments, and ATM access making it easy for you to manage your finances wherever you are. With total deposits reaching $12,791,572 and a robust net worth of $109,204,682, we remain financially stable and committed to your success. Our cash in hand stands at $10,633,001, ensuring that we can promptly meet your withdrawal and loan needs. We invite you to explore everything Sidney has to offer. For more information or assistance, feel free to call us at 877-642-7328 during our lobby hours from Monday to Friday between 9 AM and 5 PM or Saturday from 9 AM to 12 PM. Join us today and experience the difference of being part of a credit union that truly cares about its members! Visit our website at sfcuonline.org for additional resources and information.

Branch History & Mission

Community Engagement

Over the years, Sidney has actively engaged in community outreach efforts, partnering with local organizations to support various initiatives. Whether it's sponsoring local events or providing financial education workshops, we believe in giving back to the community that has supported us throughout the years. While members can visit us at 8062 Brewerton Rd Cicero Ny 13039, official correspondence should be sent to 42 Union St, Sidney, NY 13838. You can reach us at (877) 642-7328 during our operating hours: Monday through Friday from 9 am to 5 pm and Saturday from 9 am to 12 pm.

Join Us

We invite you to become part of the Sidney family! Experience firsthand the benefits of membership personalized service, competitive rates, and a commitment to your financial well-being. Together, let's build a brighter future for you and our community. Visit us today or explore more about joining at https://sfcuonline.org/ .

Our Mission

Our mission is clear: we strive to provide exceptional financial services while fostering community support and development. We aim to be more than just a bank; we want to be a partner in your life's journey whether you're buying your first car, planning for retirement, or starting a new business. Our commitment extends beyond transactions; it encompasses building lasting relationships with our members. We are proud to offer digital advancements such as online banking and mobile payments, ensuring that your banking experience is convenient and user-friendly. Additionally, we prioritize accessibility for all members by maintaining ADA compliance across our services.

Our Story

Founded with the purpose of providing accessible and reliable financial services, Sidney began its journey as a small credit union. Over the years, we have expanded our offerings and enhanced our services, while always keeping our members at the heart of everything we do. We are located at 8062 Brewerton Rd, Cicero, NY 13039 a place where you can come to discuss your financial goals or simply enjoy a friendly chat with our knowledgeable staff. At Sidney, we are committed not only to personal banking but also to community growth. Our mission is to empower individuals and families through comprehensive financial solutions that include checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We believe that strong communities are built on strong financial foundations.

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility is crucial for all our members. Our branch is designed with features that ensure ease of access, including ADA-compliant entrances and parking spaces. You'll find convenient parking available right outside the branch, making it hassle-free for you to stop by.

Get in Touch

Have questions? Feel free to reach out! You can call us at 877-642-7328. Our team looks forward to welcoming you into our branch soon. Come visit us today and discover how we can assist you in achieving your financial dreams!

Operating Hours

Our friendly team is available during convenient hours to serve you better. We are open Monday through Friday from 9 AM to 5 PM and on Saturdays from 9 AM to 12 PM. Whether you have a busy work schedule or need assistance over the weekend, we aim to accommodate your needs.

Services Offered

At the Sidney branch, we offer a variety of services tailored to meet your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're looking for business banking services or need help with credit cards featuring rewards, just ask our knowledgeable staff! For added convenience, we also provide ATM access for quick cash withdrawals and balance checks.

Member Eligibility

Becoming a member of Sidney is like joining a friendly neighborhood that truly cares about your financial well-being. If you're curious about eligibility, you'll be pleased to know that it's designed to be inclusive and welcoming. Generally, anyone who lives, works, worships, or attends school in the area can become a member. This means you don't need to jump through hoops or meet complex criteria; just being part of our community is enough! For detailed information on eligibility requirements, feel free to check out this resource. Once you see how easy it is to qualify, you can open your account in no time! We offer a straightforward process that you can start online. Just head over to our account opening page and take the first step towards enjoying all the benefits of being part of Sidney. Our team is here for any questions you might have just give us a call at (877) 642-7328. Join us at 8062 Brewerton Rd Cicero Ny 13039 and discover how we can support your financial journey!

Business Banking & Commercial Services

Loan Options for Every Business

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 that Make a Difference

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly from customers using various methods from credit cards to mobile payments all while enjoying low transaction fees. This means more money stays in your pocket, allowing you to invest further into your enterprise. Visit us at 8062 Brewerton Rd Cicero Ny 13039 in Cicero, NY, or call us at (877) 642-7328 to learn how we can partner with you on your business journey. Let's make your vision a reality together!

Comprehensive List Of Services

A Commitment to Accessibility

At Sidney, we believe in empowering our members with accessible financial solutions. Our basic ATM access allows for easy withdrawals and balance checks without any hassle. If you're ready to explore how Sidney can enhance your financial journey, don't hesitate to reach out! Give us a call at (877) 642-7328 or visit us at 8062 Brewerton Rd Cicero Ny 13039 in Cicero, NY during our operating hours: Monday through Friday from 9 am to 5 pm and Saturday from 9 am to 12 pm. We look forward to serving you!

Business Banking Made Easy

For business owners, we offer robust business banking services, including merchant services and business loans that can help you grow your company. Whether you're just starting out or looking to expand, we're here to support your entrepreneurial journey.

Credit Options for Everyone

Sometimes life throws unexpected expenses your way. With our personal loans and debt consolidation services, you can take control of your finances and reduce stress. Plus, our credit cards with rewards allow you to earn points on everyday purchases turning spending into savings!

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking features make it simple for you to manage your accounts from anywhere. Check balances, transfer funds, and even make payments right from your smartphone. With our secure ATM & cash withdrawal services, accessing cash has never been easier.

Personal Banking Solutions

We understand that managing your personal finances can be overwhelming. That's why we offer personal banking services including checking and savings accounts designed to help you achieve your financial goals. Imagine having easy access to your funds with no hidden fees, allowing you to save more efficiently for those special moments in life. When it comes to making significant purchases like a new car or home, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture driving off in your dream car without breaking the bank! Additionally, if you're considering homeownership or refinancing your current mortgage, our mortgage loans and refinancing services are here to assist every step of the way.

Digital & Online Banking

Key Features of Our Online Banking Services

With 24/7 online banking access, you can check your account balances, transfer funds, and pay bills whenever it suits you. No more waiting in line or rushing to the bank before it closes. Our platform is user-friendly, making it simple for everyone to navigate. We also offer electronic signature authorization, allowing you to complete important transactions quickly and securely from the comfort of your home. Plus, with e-statements available, you can say goodbye to paper clutter and easily access your financial statements anytime.

Mobile Banking Made Easy

Our mobile application puts the power of banking right in your pocket. You can make mobile payments effortlessly, ensuring that you're always ready for any purchase. If you need to send money to friends or family, our person-to-person transfer feature makes it a breeze no cash needed! Security is a top priority for us. We ensure that all transactions are protected, giving you peace of mind while using our digital services. In short, Sidney provides accessible and easy-to-use digital banking solutions tailored just for you. Experience the freedom of real-time account management with us today!

Financial Strength

A Solid Foundation

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.

Dedicated Team Support

We also take pride in having 202 full-time employees and 10 part-time employees who are always ready to assist you with their knowledge and commitment. Together, they work tirelessly to ensure that your experience with us is smooth and satisfying.

Growing Together

Our net shares available for lending stand at $2,479,656, supporting our ability to provide loans tailored to your needs. We have successfully built trust within our community, as shown by our total share accounts reaching 150,307. 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 8062 Brewerton Rd Cicero Ny 13039 or call (877) 642-7328 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our commitment to excellence is reflected in our operational efficiency. This year, we've achieved a net income of $0, which helps us continue offering competitive loan rates and solid financial products for our members.

Reinvesting for Your Benefit

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 lending capacity supports your financial goals with $17,609 in used auto loans and a total of $827,011,937 in loans and leases.

Loan Offering

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 provide flexible financing options to ensure that you can find a plan that suits your budget.

Credit Lines

If you're looking for more flexibility in managing your cash flow, our credit lines are designed for you. With a total available amount of $70,000,000, these lines can help cover unexpected costs or provide funds for larger purchases without the need for a specific loan application each time. We also offer refinancing options across all our loan products, allowing you to potentially lower your monthly payments or adjust your loan terms based on changing financial circumstances. For any questions or to learn more about our loan offerings, feel free to reach out at (877) 642-7328. Our friendly staff is available during business hours from Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how we can support your financial journey today!

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 offer competitive interest rates and terms that can help you secure the home of your dreams.

Unsecured Credit Card Loans

Managing everyday expenses has never been easier with our unsecured credit card loans. With a total of $19,074,770 in loans helping members manage their finances effectively, we provide flexible terms to fit various budgets and spending habits.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh empowers users to make informed financial decisions. 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 ensures that all offers are fair and transparent. Each loan comparison reflects accurate information, allowing users to trust the results they see. One key advantage of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, there are no sponsored listings LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect the best options available. With real-time rate comparisons from multiple institutions, users can stay updated on the latest loan rates. This feature helps individuals make informed decisions tailored to their unique financial situations. Thousands of users have already trusted LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.

SIDNEY FEDERAL CREDIT UNION