Sidney Credit Union Oneonta NY | Quick Personal Loans & ATMs

Introduction

Welcome to Sidney, your trusted financial partner located at 75 Oneida St, Oneonta, NY 13820. Since our establishment in 1949, we have dedicated ourselves to serving our community with integrity and a personal touch. With over 72,102 members and more than $1 billion in assets, we are proud to offer a wide array of financial services tailored to meet your needs. At Sidney, we believe in building lasting relationships with our members. Our CEO, Jim Reynolds, along with Board President Scott McLean, lead a team of 212 employees who are committed to ensuring you feel valued and supported every step of the way. Whether you need assistance with checking accounts, auto loans, or mortgages, we are here for you. While members can visit us at our branch for all your banking needs, official correspondence should be sent to 75 Oneida St, Oneonta, NY 13820. We have a strong focus on community impact and strive to make a positive difference in the lives of our members through responsible lending and personalized service. With total deposits of $12,791,572, cash in hand amounting to $10,633,001, and an impressive net worth of $109,204,682, you can trust that your finances are secure with us. Our commitment doesn't stop at traditional banking; we also offer online and mobile banking solutions for your convenience. We invite you to visit our website at sfcuonline.org or give us a call at 607-431-1240 to learn more about how we can assist you today! Let us help you achieve your financial goals with ease and confidence.

Branch History & Mission

Community Commitment

Our commitment goes beyond just banking; we actively participate in local events and initiatives that uplift our community. By partnering with local organizations and supporting outreach programs, we aim to make a positive impact that resonates within the neighborhoods we serve. As technology continues to advance, so do we. Our digital banking options allow you to manage your finances anytime, anywhere whether it's through online banking or mobile applications. We ensure these services are user-friendly and compliant with ADA standards so everyone can benefit.

Join Us

Experience the difference at Sidney where community meets commitment. Whether you're looking for personal banking solutions or seeking guidance on financial matters, we're here for you every step of the way. Visit us today or call us at (607) 431-1240 to learn how you can become part of our growing family!

Our Journey

The story of Sidney began with a vision: to provide accessible and affordable financial services to the people of our community. Over the years, we have expanded our offerings and embraced modern banking solutions, ensuring that we meet the evolving needs of our members. With a focus on personal connections and customer service, we have cultivated lasting relationships that empower individuals and families in their financial journeys. Located at 75 Oneida St, Oneonta, NY 13820, our branch is conveniently situated near local landmarks, making it easy for you to visit us. While you can reach out to us at this address for all your banking needs, official correspondence should be sent to the same location.

Our Mission

At Sidney, our mission is clear: we strive to enhance the lives of our members by providing quality financial services while fostering a supportive community environment. We believe in helping our members achieve their financial goals through various services such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more. We also recognize the importance of accessibility. That's why we offer features like ATM availability and drive-thru banking for your convenience. Our lobby hours are designed with your busy schedule in mind; we're open Monday through Friday from 7 a.m. to 6 p.m., and Saturday from 9 a.m. to 12 p.m.

Branch Location & Accessibility

Connect With Us

Have questions? We're here to help! Don't hesitate to give us a call at 607-431-1240 if you need assistance or want to learn more about what we offer. We invite you to visit us soon at our Oneida St location your community credit union awaits!

Convenient Access

Our location is not just about convenience; it's also about accessibility. You'll find ample parking available right outside the branch, making it easy for you to stop by without any hassle. The building is ADA-compliant, featuring ramps and designated entrances to ensure everyone can access our services comfortably. If you need to send any official correspondence, please note that our mailing address is also 75 Oneida St, Oneonta, NY 13820.

Nearby Landmarks

While you're in the area, you might notice we're close to several local landmarks that make your visit even more enjoyable. Just a short drive away is the beautiful Wilber Park, perfect for a stroll before or after your banking errands.

Operating Hours

We understand that life can be busy! That's why our lobby hours are designed to fit your schedule. We're open Monday through Friday from 7 a.m. to 6 p.m., and on Saturdays from 9 a.m. to 12 p.m., so you can stop in at a time that's convenient for you.

Services at Your Fingertips

At the Sidney branch, we offer a wide range of services tailored just for you whether it's personal banking solutions like checking and savings accounts or loan options for your next vehicle or home purchase. Plus, with our drive-thru service available for quick transactions and ATM access on-site, managing your finances has never been easier.

Member Eligibility

At Sidney, we believe that everyone deserves a place in our community, and becoming a member is just the beginning of your journey with us. If you're looking to join a supportive network, you'll be pleased to know that eligibility is open to those who live, work, worship, or attend school in the areas we serve. We also welcome family members of existing members, making it easy for loved ones to benefit from our range of services. To find out more about what it takes to join us, visit our detailed eligibility page at https://sfcuonline.org/about/membership/ . Opening an account with Sidney is straightforward and welcoming. You can start the process online through this link: https://sfcu.wufoo.com/forms/s1ajk3gx0o9gsjs/ . If you have any questions or need assistance along the way, don't hesitate to give us a call at (607) 431-1240. We're here to help you every step of the way as you become part of our vibrant community at 75 Oneida St Oneonta Ny 13820!

Business Banking & Commercial Services

Business 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 addition to loans, we provide comprehensive merchant services that simplify transactions for your business. Whether you're a small shop or a large enterprise, our services make it easy to accept payments from customers whether they prefer credit cards, mobile payments, or other methods. This ensures you can focus on what really matters: growing your business. Visit us at 75 Oneida St Oneonta Ny 13820 in Oneonta, NY, or call us at (607) 431-1240 to learn how our business banking services can benefit you!

Comprehensive List Of Services

Accessibility at Your Fingertips

Our branch offers basic drive-thru banking for quick deposits and withdrawals, as well as straightforward ATM access for balance checks and cash withdrawals. We aim to make banking as simple as possible so that you can focus on what truly matters. We invite you to visit us at 75 Oneida St Oneonta Ny 13820 or give us a call at (607) 431-1240. Let us show you how Sidney can meet your financial needs with a personal touch! For more information about our services, feel free to explore our website at Oneida St., Oneonta.

Business Banking Services

For our business members, we offer a suite of services designed to help your enterprise thrive. From merchant services that simplify payment processing to business loans that provide the capital needed for growth, we are here to support your business journey.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Check balances, pay bills, or transfer funds with just a few taps on your smartphone. Additionally, our ATM and cash withdrawal services ensure you have access to your money when you need it.

Personal Banking Solutions

Whether you're just starting out or planning for the future, our personal banking options have got you covered. You can choose from various checking and savings accounts tailored to fit your lifestyle. Looking to buy a car? Our auto loans and vehicle financing options make it easy for you to hit the road in no time. For those larger investments, our mortgage loans and refinancing services offer competitive rates and flexible terms. If you're facing unexpected expenses or looking to consolidate debt, consider our personal loans and debt consolidation services. They provide the flexibility you need while keeping monthly payments manageable. And don't forget about our credit cards with rewards, which allow you to earn points on your everyday purchases perfect for treating yourself later!

Digital & Online Banking

Convenience at Your Fingertips

Have you ever needed to send money quickly? Our person-to-person transfer feature allows you to send funds instantly to friends or family members without any hassle. And if you're into mobile payments, we've got you covered! You can make purchases using your phone in a matter of seconds. With all these features available at Sidney, managing your finances is simple and straightforward. Enjoy real-time account management and the peace of mind that comes with knowing your money is secure. Join us today and experience the convenience of digital banking like never before!

Key Features

Our online banking service provides 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds whenever it suits you. You'll appreciate the ability to handle your banking needs from the comfort of your home or on the go. Plus, with our mobile application, managing your finances has never been easier. Whether you're at work or out running errands, you can make transactions with just a few taps on your smartphone. Security is a top priority for us. Our electronic signature authorization ensures that your online transactions are safe and secure. Additionally, we offer e-statements for those who prefer a paperless option, making it easy to keep track of your finances without clutter.

Financial Strength

A Team You Can Trust

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. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Growing Membership Base

Total Share Accounts stand at 150,307, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $2,479,656, further demonstrating our commitment to supporting your financial journey. 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 75 Oneida St Oneonta Ny 13820 or call (607) 431-1240 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.

Reinvestment for Growth

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

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 interested in financing a brand-new model or a reliable used vehicle, we have options tailored for you.

Business Loans

For business owners, our outstanding commercial loans totaling $26,476,831 provide the capital needed to grow and expand your business. We recognize the unique challenges entrepreneurs face and are here to support your endeavors with tailored lending solutions. At Sidney, we are committed to providing transparent lending options with competitive rates and clear terms. If you're considering refinancing your current loans or exploring eligibility options, our team is ready to assist you every step of the way. For more information on how our loan offerings can meet your needs, don't hesitate to reach out at (607) 431-1240 or visit us at our branch located at 75 Oneida St Oneonta Ny 13820 in Oneonta, 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.

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 work closely with our members to ensure that they understand their options and can find a plan that fits their budget.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why 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, you can enjoy the convenience and benefits of having a credit card without the stress of securing it against your assets.

Loan Aggregator

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SIDNEY FEDERAL CREDIT UNION