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

Introduction

Welcome to Sidney, your trusted financial partner at 53 Market St, Oneonta, NY 13820! Since our establishment in 1949, we have proudly served our community with a commitment to reliability and personal service. With a total membership of over 72,102, we strive to create meaningful relationships with each of our members, ensuring that your financial journey is supported every step of the way. At Sidney, we take pride in our robust financial standing, boasting total assets of $1,019,323,157 and total deposits reaching $12,791,572. Our net worth stands strong at $109,204,682, reflecting our dedication to your security and prosperity. We manage a diverse portfolio with 48,567 loans and leases, designed to meet various needs from personal loans to auto financing. Our leadership team is here to guide you. Under the direction of CEO Jim Reynolds and Board President Scott McLean, we work tirelessly to enhance your banking experience. With a dedicated staff of 212 employees, we're ready to assist you during our operating hours Monday through Friday from 7 a.m. to 6 p.m., and Saturdays from 9 a.m. to 12 p.m. While members can visit us at our Oneonta location, official correspondence should be sent to the same address: 53 Market St, Oneonta, NY 13820. Whether you're looking for personal banking options like checking accounts or loans for your business needs, Sidney has you covered. Explore the many services available at Sidney by visiting us online at sfcuonline.org or give us a call at 607-432-3432. We're excited to help you achieve your financial goals!

Branch History & Mission

Community Engagement

Over the years, Sidney has built strong partnerships with local organizations and charities. We engage in various community outreach programs aimed at supporting those in need and enhancing the quality of life for everyone in Oneonta. By investing in local initiatives, we not only strengthen our bonds but also contribute positively to the growth and development of the areas where our members live and work.

Join Us

As we continue this journey together, we invite you to become part of the Sidney family. Experience firsthand how we can support you financially while also being an active participant in our vibrant community. Visit us during our operating hours Monday through Friday from 7 a.m. to 6 p.m., and Saturday from 9 a.m. to 12 p.m. or give us a call at 607-432-3432. Join us today and let's build a brighter future together!

Our Mission

Our mission at Sidney is simple yet powerful: to empower our members through exceptional financial services while enriching the community around us. We believe that everyone deserves access to affordable banking solutions that help them achieve their goals. This mission is reflected in everything we do from offering competitive loan rates to providing invaluable resources for financial education. We are proud of our commitment to innovation and customer-centric initiatives. Our branch embraces modern technology with online banking options, mobile payments, and e-statements designed to make your banking experience as smooth as possible. Additionally, we prioritize accessibility and ADA compliance to ensure that all members of our community can easily access our services.

Branch Location & Accessibility

Accessibility and Parking

At our branch, we prioritize accessibility for all members. Our building is ADA compliant, featuring ramps and designated parking spaces to ensure everyone can easily access our services. If you're driving in, ample parking is available right outside our front door, making your visit as hassle-free as possible.

Operating Hours

We understand that life can be busy, so we've tailored our operating hours to fit your schedule. You can visit us Monday through Friday from 7 a.m. to 6 p.m., and on Saturdays from 9 a.m. to 12 p.m. This gives you plenty of time to come in and discuss your banking needs or complete transactions at your convenience.

Services Offered

Our branch offers a wide range of services designed to meet your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Need cash? Enjoy easy access with our ATM on-site, which allows for quick withdrawals and balance checks. Additionally, if you're on the go, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle.

Stay Connected

If you have any questions or need assistance, don't hesitate to give us a call at 607-432-3432. Our dedicated staff is always ready to assist you with friendly service. While members can visit us at 53 Market St., official correspondence should be sent to the same address for consistency. We invite you to come by and discover how we can support your financial journey! With convenient hours and a welcoming environment, the Sidney branch is here for you every step of the way.

Member Eligibility

At Sidney, we believe that becoming a member is like joining a warm and welcoming family that truly cares about your financial well-being. If you're looking to be part of something special, you'll be pleased to know that membership is open to individuals who live, work, worship, or attend school in our community. This means that whether you're a long-time resident or just starting out, there's a place for you with us. To learn more about the specific eligibility criteria, feel free to check out our detailed information at https://sfcuonline.org/about/membership/ . Opening an account at Sidney is easy and straightforward! All you need to do is visit us at our location on 53 Market St Oneonta Ny 13820 or give us a call at (607) 432-3432. We're here to guide you through each step of the process so you can start enjoying the benefits of membership right away. Plus, as a member, you'll gain access to a range of services designed to help you reach your financial goals. For additional information on how to open your account online, please visit https://sfcu.wufoo.com/forms/s1ajk3gx0o9gsjs/ . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services designed to simplify transactions. Imagine seamlessly accepting payments from customers whether they're shopping online or in-store. Our services are here to help you keep up with the demands of today's marketplace, allowing you to focus on what matters most growing your business. Visit us at 53 Market St Oneonta Ny 13820 in Oneonta, NY, or call us at (607) 432-3432 to learn how we can partner with you on your journey toward success!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Solutions Tailored for You

For local entrepreneurs, we offer comprehensive Business Banking services, including merchant services and business loans to help your venture thrive. We understand that every business is unique, which is why we focus on providing personalized service that meets your specific needs.

Convenient Online and Mobile Banking

In today's fast-paced world, access to your finances anytime is crucial. Our robust Online & Mobile Banking platforms allow you to manage accounts from anywhere, whether it's paying bills or transferring funds with ease. With features like ATM & Cash Withdrawal Services, along with basic drive-thru banking for quick deposits and withdrawals, convenience is always at your fingertips.

Engaging with Us

At Sidney, we prioritize accessibility and member satisfaction. Feel free to reach us at (607) 432-3432 during our operating hours Monday through Friday from 7 a.m. to 6 p.m., and Saturday from 9 a.m. to 12 p.m. for any inquiries or assistance you might need. We invite you to explore all that we have to offer at Market St., Oneonta. Join us in building a brighter financial future together! For more information about membership eligibility or to open an account, visit us online at https://sfcuonline.org/ . Your financial goals are within reach at Sidney!

Personal Banking Made Easy

For those managing their everyday finances, our Personal Banking options include checking and savings accounts designed with your lifestyle in mind. Need to make an unexpected purchase? Our Auto Loans & Vehicle Financing can help you drive away in your dream car without breaking the bank. If you're considering homeownership, our Mortgage Loans & Refinancing services provide flexible solutions that can fit your budget.

Support for Your Financial Goals

Life can bring surprises, and sometimes you may need extra support. With our Personal Loans & Debt Consolidation, you can tackle expenses or consolidate debts effectively. Plus, our Credit Cards with Rewards offer a way to earn while you spend, giving you more value on everyday purchases.

Digital & Online Banking

Key Features

With our online banking services, you can enjoy features that simplify your financial life. Need to send money to a friend? Our person-to-person transfer feature makes it quick and easy. You can also make payments directly from your mobile device using our mobile payments feature. Plus, with our dedicated mobile application, you can manage your accounts right from the palm of your hand. For those who prefer paperless options, we provide e-statements that allow you to track your finances without the clutter. And if you need to sign documents electronically, rest assured that our electronic signature authorization is here to help streamline the process.

Security and Accessibility

At Sidney, we prioritize your security. Our online banking system uses advanced encryption technology to keep your information safe while providing user-friendly access to all your account details. You can easily check balances, view transaction history, and transfer funds all in real time. Whether you're using a computer or our mobile app, you'll find that accessing your accounts is straightforward and efficient. Our commitment is to give you control over your financial decisions anytime, anywhere. Join us at Sidney for a secure and convenient digital banking experience that fits seamlessly into your lifestyle!

Financial Strength

Dedicated Team

We also take pride in having 202 full-time employees and 10 part-time employees ready to assist you with knowledge and care. This dedicated team ensures that our branches are always equipped to meet your needs effectively.

Growing Membership Base

Total Share Accounts: 150,307, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $2,479,656, reinforcing our capacity to serve you. 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 53 Market St Oneonta Ny 13820 or call (607) 432-3432 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.

Investment in Member Services

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. We proudly provide $17,609 in used auto loans and $827,011,937 in total loans and leases to support our members' financial goals across various sectors. Our commitment is reflected in our operational efficiency, as shown by our $0, which enables us to continue offering competitive loan rates and solid financial products for you.

Secure 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.

Strong Financial Health

With a net worth of $109,204,682, we maintain robust 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. Whether you're financing a brand-new model or a reliable used vehicle, we have options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $26,476,831 provide the capital needed to grow and expand. We recognize the unique challenges faced by small businesses and are here to support your vision for success. At Sidney, we're committed to making your loan experience as straightforward as possible. If you're considering refinancing or exploring eligibility options, please reach out to us at (607) 432-3432 or visit our website for more information. We're here to assist you every step of the way! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 believe that everyone deserves a place to call home, and our mortgage products are tailored to help you navigate this important investment with ease.

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. Our credit cards come with competitive interest rates and rewards programs to suit your spending habits.

Loan Aggregator

Benefits of Using LendMesh

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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 to accuracy ensures that users receive fair and transparent offers. Each loan comparison is grounded in reliable data, giving you confidence in your choices.

Sidney