Sidney Credit Union Liverpool NY | Affordable Vehicle Loans & ATMs

Introduction

Welcome to Sidney, your trusted financial partner since 1949! Located at 7545 Morgan Rd, Liverpool, NY 13090, we proudly serve over 72,102 members in our community. At Sidney, we understand the importance of fostering financial well-being, which is why we offer a range of personalized services tailored to meet your needs. While members can visit us at 7545 Morgan Rd, please note that official correspondence should be directed to our mailing address at 42 Union St, Sidney, NY 13838. With total assets exceeding $1 billion and deposits reaching $12,791,572, we are committed to providing a secure and supportive banking environment. Our dedicated team of 212 employees, led by CEO Jim Reynolds and Board President Scott McLean, ensures that you receive exceptional service every time you walk through our doors or connect with us online. We are proud of our community impact, offering essential services like checking and savings accounts, auto loans, mortgage financing, and even business banking solutions. With a robust loan portfolio of 48,567 loans and leases totaling over $485 million, we're here to help you achieve your financial goals. Whether you're looking for assistance with personal loans or need expert advice on credit cards with rewards, you can count on us. Plus, with easy online and mobile banking options available through our website sfcuonline.org, managing your finances has never been more convenient. Ready to take the next step? Call us today at 877-642-7328 or visit us during our operating hours: Monday to Friday from 9:00 AM to 4:30 PM and Saturday from 9:00 AM to 12:00 PM. We look forward to welcoming you into the Sidney family!

Branch History & Mission

At Sidney, we take pride in our rich history and unwavering commitment to our community. Founded in 1949, Sidney has grown from a small credit union into a trusted financial partner for over 72,000 members in Liverpool, NY. Our branch is located at 7545 Morgan Rd Liverpool Ny 13090, a convenient spot that allows us to serve the residents and businesses of Onondaga County with ease. Throughout the years, we have remained dedicated to providing exceptional financial services while fostering a strong sense of community. With total assets exceeding $1 billion, we have built a solid foundation that enables us to offer a wide array of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our mission is clear: we aim to empower our members by helping them achieve their financial goals while enhancing their quality of life. While members can visit us at 7545 Morgan Rd Liverpool Ny 13090, official correspondence should be sent to our mailing address at 42 Union St, Sidney, NY 13838. This ensures your communications reach us promptly. We believe in leveraging technology to make banking easier for everyone. Our digital advancements include online banking, mobile payments, and e-statements that allow you to manage your finances anytime and anywhere. We also prioritize accessibility by maintaining ADA compliance across all services. Whether you prefer traditional banking methods or modern conveniences, we strive to provide options that meet your needs. Community engagement is at the heart of what we do. Over the years, we have partnered with local organizations and schools to support various initiatives aimed at improving the lives of those around us. From financial literacy workshops to sponsoring local events, our outreach efforts reinforce our commitment to making a positive impact in Liverpool. As we look toward the future, we invite you to join our growing family at Sidney. Experience firsthand how we can support your financial journey while becoming part of a community-focused organization that truly cares about its members. Give us a call at (877) 642-7328 or visit our website here to learn more about membership opportunities and how you can benefit from being part of Sidney!

Branch Location & Accessibility

Accessible Features and Services

We understand that accessibility is important. Our branch is equipped with ADA-compliant features to ensure that everyone can visit us comfortably. Parking is readily available, making it simple to stop by whether you're running errands or making a special trip for banking needs. If you're on the go, you can take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle. While members can visit us at 7545 Morgan Rd, official correspondence should be sent to our mailing address at 42 Union St, Sidney, NY 13838.

Call to Action

Our friendly team is ready to assist you with all your banking needs be it checking accounts, loans, or any other services we offer. Give us a call at 877-642-7328 or drop by our branch today! We look forward to seeing you soon at Sidney Credit Union in Liverpool!

Operating Hours

We want to make banking easy for you! Our lobby hours are Monday through Friday from 9:00 AM to 4:30 PM. On Saturdays, our drive-thru service is available from 9:00 AM to 12:00 PM. Whether you're stopping by during your lunch break or planning a weekend visit, we're here when you need us!

Member Eligibility

Welcome to the family at Sidney! Becoming a member here is like joining a caring community where your financial well-being is our priority. To be eligible, you just need to live, work, worship, or attend school in the areas we serve. This means that whether you're from Liverpool or nearby towns, we're excited to welcome you. We also invite family members of current members to join us. If you're ready to take the next step toward membership, opening an account is simple! Just visit us at our branch located at 7545 Morgan Rd Liverpool Ny 13090 or give us a call at (877) 642-7328 for any questions you might have. You can find more detailed eligibility criteria and all the benefits of membership by checking out our website at https://sfcuonline.org/about/membership/ . Together, let's build a brighter financial future!

Business Banking & Commercial Services

Commercial Loan Options

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 fast-paced world, efficient payment processing can set your business apart. Our merchant services offer easy solutions for accepting payments, whether in-store or online. Picture this: a customer walks into your store and makes a purchase using their mobile phone while you effortlessly complete the transaction. This not only enhances customer experience but also streamlines your cash flow. Located at 7545 Morgan Rd Liverpool Ny 13090 in Liverpool, NY, we invite you to explore how our tailored services can support your business ambitions. Reach out today at (877) 642-7328 to learn more about how we can partner in your success!

Comprehensive List Of Services

Additional Services

For those quick tasks, our Basic Drive-Thru Banking allows for deposits and withdrawals without stepping inside the branch. And if you're in a hurry but still need cash, our Basic ATM Access lets you withdraw money or check balances quickly. At Sidney, we strive to make banking accessible and straightforward for everyone in Liverpool and beyond. Ready to take the next step? Call us at (877) 642-7328 or visit us at Liverpool online for more information about how we can serve you better!

Business Banking Services

For entrepreneurs and small business owners, we offer Business Banking solutions tailored just for you. From Merchant Services that simplify payment processing to Business Loans that help fuel growth, we are committed to supporting local businesses in achieving their dreams.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's where our Online & Mobile Banking services come into play. You can easily access your accounts anytime, anywhere whether it's checking balances, transferring funds, or paying bills from the comfort of your home or on the go. Plus, with features like ATM & Cash Withdrawal Services available at various locations, accessing your funds has never been simpler.

Credit and Debt Management

We know that life can throw unexpected expenses your way. That's why our Personal Loans & Debt Consolidation services are here to provide financial relief when you need it most. Additionally, our Credit Cards with Rewards give you an opportunity to earn while you spend, making everyday purchases more rewarding.

Personal Banking Solutions

Our personal banking services make managing your finances easy and convenient. With options like Checking & Savings Accounts, you can choose the accounts that best fit your lifestyle. Need a car? Our Auto Loans & Vehicle Financing options offer competitive rates to get you on the road quickly. If you're considering buying a home, our Mortgage Loans & Refinancing services can guide you through the process, ensuring you find the right mortgage for your situation.

Digital & Online Banking

Key Features

Our online banking services provide you with real-time account management. You can easily check your balances, transfer funds, and pay bills from the comfort of your home or on the go. If you're looking to send money to friends or family, our person-to-person transfer feature makes it quick and simple. For those who prefer to manage their finances via mobile devices, our dedicated mobile application is available for download. This user-friendly app gives you access to all the essential features right at your fingertips. Plus, with mobile payments enabled, you can make purchases directly from your phone without any hassle.

Security and Accessibility

We take your security seriously. Our electronic signature authorization feature ensures that your transactions are protected, giving you peace of mind every time you log in. Additionally, e-statements are available for those who prefer a paperless option, allowing you to keep track of your finances securely and efficiently. Whether you're at home or out and about, our digital banking solutions empower you to stay connected with your money whenever you need to. Experience the convenience of banking on your terms with Sidney where managing your finances has never been easier!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 150,307, reflecting a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments amount to $2,479,656, reinforcing our capacity to meet your needs effectively. 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 7545 Morgan Rd Liverpool Ny 13090 or call (877) 642-7328 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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 operations reflect sound management practices with a reported net income of $0, showcasing our efficiency and commitment to maintaining beneficial 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.

Reinvestment for Improvement

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 capacity to lend is evident with $17,609 in used auto loans and $827,011,937 in total loans and leases, supporting our members' financial goals across various sectors.

Strong Financial Health

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

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 have financing options for both new and used vehicles, ensuring you can find the right fit for your budget and needs.

Business Loans

For business owners, our outstanding commercial loans totaling $26,476,831 provide the capital needed to grow and expand your business. We understand the unique challenges that businesses face and aim to provide tailored solutions to meet those needs.

Credit Lines

Our total credit lines amount to $70,000,000, giving you access to funds when you need them most. This flexibility can help manage unexpected expenses or support ongoing projects without having to go through a lengthy application process each time. At Sidney, we're committed to offering loan products that meet your needs while also providing guidance throughout the borrowing process. If you're interested in refinancing or exploring eligibility options for any of our products, please don't hesitate to reach out. Contact us at (877) 642-7328 or visit us at our branch located at 7545 Morgan Rd Liverpool Ny 13090 in Liverpool, NY. We're here to assist you during our operating hours: M-F 9:00 AM-4:30 PM and Sat 9:00 AM-12:00 PM. Let us help you take the next step towards fulfilling your financial ambitions!

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 flexible terms and competitive rates to help you navigate the home-buying process with ease.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. 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. Our credit cards come with rewards that can benefit your spending habits while providing peace of mind.

Loan Aggregator

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SIDNEY FEDERAL CREDIT UNION