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

Introduction

Welcome to Sidney, your trusted financial partner right here in Norwich, NY! Established in 1949, we have proudly served our community for over seven decades, building lasting relationships with our 72,102 members. Our commitment goes beyond just banking; it's about creating a positive impact in the lives of our members and the community at large. Nestled at 5900 County Route 32, we are dedicated to providing you with a wide range of services tailored to meet your financial needs. Whether you're looking for personal banking solutions, auto loans, or business financing options, we have you covered. Our total assets stand impressively at $1,019,323,157, reflecting our stability and dedication to serving you better. While members can visit us at 5900 County Route 32, official correspondence should be sent to the same address. You can reach us anytime at 607-336-2567 during our convenient hours: Monday through Friday from 7:00 AM to 6:00 PM and Saturday from 9:00 AM to 12:00 PM. Led by CEO Jim Reynolds and Board President Scott McLean, our team of 212 employees is here to ensure that your experience is smooth and satisfying. With over $12,791,572 in total deposits and a robust net worth of $109,204,682, we pride ourselves on being a safe haven for your finances. At Sidney Credit Union, we believe in empowering our members through financial education and support. We invite you to explore our offerings further by visiting our website at sfcuonline.org or calling us directly. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

At Sidney, we take pride in our rich history and unwavering commitment to the community. Founded in 1949, our branch has been a cornerstone of financial support and guidance for the residents of Norwich, NY. Over the decades, we have grown alongside our members, evolving from a small credit union into a trusted financial institution that now boasts over 72,000 members and total assets exceeding $1 billion. Our branch is conveniently located at 5900 County Route 32 in Norwich, making it easily accessible for those in Chenango County. Whether you are visiting us for personal banking or seeking assistance with loans and financial planning, our dedicated team is here to help. While members can visit us at this address, official correspondence should be sent to the same location: 5900 County Route 32, Norwich, NY 13815. The mission of Sidney is clear: we strive to provide exceptional financial services while fostering a spirit of community support and collaboration. Our goal is not just to serve our members financially but also to uplift the community through various outreach programs and partnerships. We believe that when our members thrive, so does our community. As technology advances, we remain committed to enhancing your banking experience. From online banking and mobile payments to ADA compliance measures ensuring accessibility for all members, we prioritize customer convenience and satisfaction. Our drive-thru service offers quick access for deposits and withdrawals, while ATMs are available for added convenience. Community engagement is at the heart of what we do. We actively participate in local events and initiatives that promote financial literacy and well-being among residents. Our partnerships with local organizations enable us to extend support beyond traditional banking services. We invite you to join our growing family at Sidney. Experience firsthand how we combine personal service with modern solutions tailored to meet your needs. Reach out to us at 607-336-2567 or visit our website at sfcuonline.org to learn more about membership opportunities and the benefits awaiting you!

Branch Location & Accessibility

Welcome to Sidney, your friendly neighborhood credit union located at 5900 County Route 32 in Norwich, NY! Our branch is conveniently situated near local landmarks, making it easy for you to stop by and handle your banking needs. Whether you're coming from the Chenango County area or just passing through, we are here to serve you. At Sidney, we understand that accessibility is key. Our branch features a spacious parking lot with ample spots for our members. We also prioritize accessibility with ADA-compliant facilities, including ramps and accessible entrances, ensuring everyone can comfortably visit us. Our operating hours are designed to fit your busy lifestyle. We're open Monday through Friday from 7:00 AM to 6:00 PM, and on Saturday from 9:00 AM to 12:00 PM. Whether you need assistance with checking accounts, auto loans, or any of our other personal banking services, our friendly staff is ready to help you during these hours. For your convenience, we offer ATM services right at our location, so you can access your funds anytime. Plus, if you're looking for a quick transaction or need to deposit a check without stepping inside, our drive-thru service makes banking even easier. While members can visit us at 5900 County Route 32 Norwich Ny 13815, official correspondence should be sent to our mailing address at the same location. If you have any questions or need assistance, feel free to give us a call at (607) 336-2567. We look forward to welcoming you at Sidney where we're dedicated to making your banking experience as smooth and enjoyable as possible!

Member Eligibility

At Sidney, we believe in fostering a warm and welcoming community where everyone can thrive. Joining us as a member is simple and open to many! If you live, work, worship, or attend school in Chenango County, you're already eligible to become part of our family. We cherish the diversity of our members and strive to provide a supportive environment for all. You can enjoy a range of benefits, from personalized banking services to competitive loan rates, designed to help you achieve your financial goals. Ready to take the next step? Opening an account is easy! Just visit us at 5900 County Route 32 Norwich Ny 13815 or give us a call at (607) 336-2567 for any questions. For more detailed eligibility criteria, check out our website at https://sfcuonline.org/about/membership/ . And when you're ready to join, you can start the process by visiting https://sfcu.wufoo.com/forms/s1ajk3gx0o9gsjs/ . We can't wait to welcome you into the Sidney community!

Business Banking & Commercial Services

Loan Options That Matter

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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify transactions and enhance customer experiences. Imagine being able to process payments quickly and efficiently, allowing you more time to focus on what truly matters growing your business. Our services enable seamless payment processing whether you're at a physical location or online. Located conveniently at 5900 County Route 32 Norwich Ny 13815, Norwich, NY 13815, our team is ready to help you navigate your business banking needs. Reach out to us at (607) 336-2567 during our operating hours Monday through Friday from 7:00 am to 6:00 pm and Saturday from 9:00 am to 12:00 pm. Let's work together to turn your business dreams into reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? Our ATM and Cash Withdrawal Services are readily available so you can withdraw funds anytime without hassle. Plus, if you're nearby during business hours, enjoy our basic drive-thru banking for quick deposits and withdrawals. We invite you to visit us at 5900 County Route 32 Norwich Ny 13815 or give us a call at (607) 336-2567 to learn more about how our services can meet your financial needs. At Sidney, we're here for you every step of the way!

Auto Loans & Vehicle Financing

When it comes to buying a car, having the right financing makes all the difference. At Sidney, we offer Auto Loans and Vehicle Financing that can help get you behind the wheel without stretching your budget. Our competitive rates and flexible terms mean you can drive off in your new vehicle with peace of mind.

Business Banking Services

For local businesses, we offer tailored Business Banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our financial experts are here to guide you through the options available.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Sidney, we provide robust Online & Mobile Banking services. You can manage accounts, transfer funds, pay bills, and even make deposits from anywhere right from your smartphone or computer. With features like person-to-person payments and e-statements, banking has never been easier.

Credit Cards with Rewards

Who doesn't love rewards? With our Credit Cards, not only do you have access to credit when needed, but you'll also earn points for every dollar spent. These points can be redeemed for travel, merchandise, or cash back making each purchase more rewarding.

Mortgage Loans & Refinancing

Dreaming of homeownership? Our Mortgage Loans make it possible! We help first-time buyers navigate the process with ease, offering various mortgage products suited to different needs. If you're looking to refinance an existing loan, our refinancing options can lower your monthly payments or help you access equity in your home.

Personal Banking Solutions

Managing your finances should be simple and straightforward. That's why we offer Personal Banking options, including checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that provides easy access to your funds while earning you interest this is the kind of flexibility we provide. Whether you're saving for a vacation or just need a safe place for your money, our accounts are here to serve you.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our Personal Loans come into play. Whether it's for medical bills, home improvements, or debt consolidation, we provide flexible loan options to meet those needs efficiently. Imagine reducing multiple payments into one manageable monthly payment our debt consolidation service helps make that happen.

Digital & Online Banking

Key Features

We understand that security is a top priority for our members. That's why we provide electronic signature authorization, making it easier and safer to approve transactions without the hassle of paperwork. Plus, with e-statements, you can keep track of your financial activity while reducing paper clutter. Going green has never been so easy! For those who love mobile convenience, our mobile application lets you bank right from your smartphone. Whether you're making mobile payments or transferring money to friends and family with our person-to-person transfers, managing your finances has never been more accessible. With these features at your fingertips, real-time account management becomes second nature. You'll appreciate how quickly you can respond to financial needs, whether you're at home or out running errands. At Sidney, we're committed to providing our members with a modern banking experience that combines convenience with security. Discover all these amazing services today!

Financial Strength

Committed Team

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. Total Share Accounts: 150,307, showing a strong and growing member base that trusts us with their finances. 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 5900 County Route 32 Norwich Ny 13815 or call (607) 336-2567 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.

Member Savings and Investments

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.

Our 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.

Strong Lending Capacity

With $17,609 in used auto loans and $827,011,937 in total loans and leases, our lending capacity supports 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $333,058,927 in used vehicle loans and $162,717,780 in new vehicle loans to help our members get on the road with confidence. Whether you're considering a brand-new model or a reliable pre-owned vehicle, we are here to assist you every step of the way.

Commercial Loans

For business owners, we also offer outstanding commercial loans totaling $26,476,831. These loans provide the capital needed to grow and expand your business operations. We understand the unique challenges that come with running a business and are committed to helping you succeed. If you're interested in any of these loan products or want more information about refinancing options, please reach out! You can contact us at (607) 336-2567 or visit us at 5900 County Route 32 Norwich Ny 13815, Norwich, NY. 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 toward achieving your financial dreams!

Credit Lines

For those needing additional flexibility, our credit lines totaling $70,000,000 are an excellent option for managing cash flow or unexpected expenses. Whether it's for personal use or business needs, these lines give you the power to borrow as needed without having to apply for a new loan each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $66,946,859, we can guide you through the process of securing a mortgage that fits your budget and lifestyle. From first-time buyers to seasoned homeowners looking to refinance, our team is ready to support you.

Unsecured Credit Cards

Managing everyday expenses can be challenging, but our flexible terms on unsecured credit card loans can help. With a total of $19,074,770 in loans available, our credit cards are designed to provide you with convenience and rewards for your spending. Enjoy peace of mind knowing that you have access to funds when you need them most.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions about their financing options. 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!" Such testimonials reflect the effectiveness of this tool in helping borrowers secure better rates. Take control of your borrowing experience. 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.

How LendMesh Ensures Accurate 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 to accuracy ensures that you receive fair and transparent offers, allowing you to make informed decisions.

SIDNEY FEDERAL CREDIT UNION - Norwich, NY