SIDNEY FEDERAL CREDIT UNION

Welcome to Sidney, your trusted financial partner located at 5 Main St, Delhi, NY 13753. Established in 1949, our credit union has been dedicated to serving the community with commitment and care for over seven decades. With a strong membership base of 72,102 individuals, we are proud to have built a supportive environment where everyone can thrive. At Sidney, we believe in the power of community banking. Our total assets amount to an impressive $1,019,323,157, ensuring that we are well-equipped to meet the diverse financial needs of our members. Whether you're looking for personal loans or business financing options, our total loans and leases stand at 48,567, making it easier for you to achieve your goals. We understand the importance of savings too our total deposits are around $12,791,572, reflecting our members' trust in us as their financial institution. With a net worth of $109,204,682 and cash in hand totaling $10,633,001, we prioritize your financial security above all else. Led by our experienced CEO, Jim Reynolds, and Board President Scott McLean, our team is dedicated to providing exceptional service. We are here not just to handle transactions but to help you make informed financial decisions that can positively impact your future. While members can visit us at our branch location for personalized assistance, official correspondence should be directed to the same address: 5 Main St, Delhi, NY 13753. Explore a variety of services tailored just for you from checking accounts and auto loans to online banking solutions. We invite you to connect with us at sfcuonline.org or call us at 607-746-7235. Your financial journey starts here at Sidney!

At Sidney, we believe that everyone deserves a chance to be part of a supportive and thriving community. Joining us as a member is simple and welcoming! You can become part of our family if you live, work, or worship in the local area, or if you have a family member who is already a member. We're here to help you navigate the membership process, ensuring it's as smooth as possible. By becoming a member at Sidney, you'll gain access to an array of financial services tailored just for you, from personal loans to savings accounts that help your money grow. Ready to take the next step? You can find detailed eligibility criteria by visiting https://sfcuonline.org/about/membership/ . When you're ready to open your account, head over to this link for easy online access: https://sfcu.wufoo.com/forms/s1ajk3gx0o9gsjs/ . If you have any questions, don't hesitate to give us a call at (607) 746-7235. We can't wait for you to join us at our branch located at 5 Main St Delhi Ny 13753!

At Sidney, we understand that every business has its own unique journey. Whether you're just starting out or looking to expand, our tailored business banking and commercial services are here to help you thrive. Imagine having the financial support you need to take your business to the next level. Our commitment to supporting businesses is evident, with investments in 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. In addition to loans, our merchant services streamline payment processes, making transactions easier for you and your customers. With tools designed to improve cash flow and manage payments efficiently, you can focus on what truly matters growing your business. Visit us at 5 Main St Delhi Ny 13753 in Delhi, NY, or call us at (607) 746-7235 to learn how we can partner with you on your path to success!

At Sidney, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on maintaining strong financial health, which allows us to serve you better and support your financial goals. With a net worth of $109,204,682, we showcase our commitment to sound financial practices. This solid foundation empowers us to offer competitive rates, lower fees, and enhanced services tailored to meet your needs. Our net worth ratio of $1,070 further demonstrates our robust capital position, ensuring that we can continue providing loans and uninterrupted services even during economic fluctuations. Members' savings are secured through $383,032,384 in share certificates and $109,773,638 in money market shares, both of which present stable and rewarding options for financial growth. Unlike traditional banks, we prioritize our members above all else. With non-member deposits at $0, we focus our resources on benefiting you providing better loan rates, lower fees, and exclusive member perks. Our commitment to innovation is evident through our $93,441,429 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Additionally, with $17,609 in used auto loans and $827,011,937 in total loans and leases, our lending capacity supports various sectors of your financial needs. While our current net income stands at $0, it reflects our operational efficiency during this period, allowing us to continue focusing on providing value for our members. We also take pride in having 202 full-time employees and 10 part-time employees who are dedicated to serving you with expertise and care. 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 5 Main St Delhi Ny 13753 or call (607) 746-7235 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

At Sidney, we understand that everyone's financial journey is unique. Whether you're looking to buy a car, purchase a home, or manage your expenses more effectively, our diverse loan offerings are designed to meet your needs. With over 48,567 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular, with $333,058,927 in used vehicle loans and $162,717,780 in new vehicle loans already helping members get on the road. Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, making it easier for you to drive away with confidence. 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 know that navigating home financing can be overwhelming, but our team is here to guide you through every step of the process. For business owners, our outstanding commercial loans totaling $26,476,831 provide the capital needed to grow and expand your operations. We're committed to supporting local businesses and fostering economic development in our community. In addition to these products, 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 option allows you to handle unexpected expenses or consolidate debt without the burden of collateral. If you're considering refinancing, we have options available that could help you save money over time. It's always worth exploring whether you qualify for better rates or terms that fit your current financial situation. Visit us at 5 Main St Delhi Ny 13753 in Delhi, NY, or give us a call at (607) 746-7235 for more information about how our loan products can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Sidney, we're dedicated to providing personalized service and helping you navigate your financial journey with confidence. Whether it's an auto loan, mortgage, commercial loan, or credit card solution, we're here for you every step of the way.