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

Introduction

Welcome to Sidney, your trusted financial partner since 1949! Nestled at 3 Liberty St, Walton, NY 13856, our credit union is dedicated to supporting our community with personalized banking solutions. With a robust membership base of over 72,102 members and total assets exceeding $1,019,323,157, we pride ourselves on being a stable resource for your financial needs. At Sidney, we understand that banking is more than just numbers; it's about relationships. That's why our team, led by CEO Jim Reynolds and Board President Scott McLean, strives to create an environment where every member feels valued. With a commitment to transparency and service, we have built a foundation of trust that resonates throughout Walton and beyond. We are proud to offer a variety of services tailored to meet the diverse needs of our members. Whether you're looking for personal banking options like checking and savings accounts or seeking financing for your next vehicle with our auto loans, we've got you covered. Our total loans and leases stand at an impressive 48,567, demonstrating our dedication to helping you achieve your financial goals. For your convenience, while you can visit us at our branch address mentioned above, official correspondence should be sent to the same location. If you have questions or need assistance, feel free to reach out to us at 607-865-4153 or visit our website at sfcuonline.org. Join us today and experience the difference of being part of a credit union that truly cares about its members. Your journey towards financial empowerment begins here!

Branch History & Mission

At Sidney, we take pride in our rich history and the strong mission that guides our services. Founded in 1949, our branch has grown from humble beginnings into a vital part of the Walton community. Located at 3 Liberty St, Walton, NY 13856, we have been committed to serving our members with integrity and care for over seven decades. From the start, our mission has been clear: to provide accessible financial services while fostering a sense of community support. Today, with a total membership of 72,102 and assets exceeding $1,019,323,157, we remain dedicated to empowering individuals and families through comprehensive banking solutions. Whether it's personal checking accounts, auto loans, or business banking services, we strive to meet the diverse needs of our members. Our journey is marked by significant milestones that reflect our growth and commitment to innovation. We embrace technology with features like online banking and mobile payments, making it easier for you to manage your finances. Our ATM availability and drive-thru services ensure convenience without sacrificing quality. In addition to providing essential financial services, we believe in giving back to the community. Through various outreach programs and partnerships, we support local initiatives that uplift those around us. We understand that when our community thrives, we all benefit. While members can visit us at 3 Liberty St, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out at 607-865-4153 during our operating hours: Monday through Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 12 p.m. Join us at Sidney and experience the difference of being part of a credit union that puts people first. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Sidney Credit Union, we prioritize accessibility for all our members. Our branch is fully ADA compliant, ensuring that everyone can enjoy our services comfortably. With ample parking available right outside and ramps for easy entry, visiting us is simple and convenient.

Call-to-Action

We invite you to visit us at the Sidney Credit Union Walton branch. Feel free to call us at 607-865-4153 if you have any questions or need further assistance before your visit. Our dedicated team looks forward to welcoming you!

Operating Hours

We understand that life can get busy! That's why our lobby hours are designed with your schedule in mind: Monday through Friday from 9 a.m. to 6 p.m., and on Saturdays from 9 a.m. to 12 p.m. If you're in need of quick transactions, our drive-thru service is also available during these hours.

Services Offered

Our Walton branch offers a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we strive to provide everything you might need under one roof. Additionally, enjoy the convenience of ATM access for quick withdrawals and balance checks anytime.

Member Eligibility

At Sidney, we believe that everyone deserves access to financial services in a welcoming community. Becoming a member is simple and inclusive! If you live, work, worship, or attend school in the area, you're already eligible to join us. We're proud to serve residents of Walton and the surrounding communities. Plus, our membership comes with great benefits like personalized service and competitive rates on loans and savings accounts. To start your journey with us at Sidney, just visit us at our location at 3 Liberty St Walton Ny 13856 or give us a call at (607) 865-4153 for more information. You can also check out the detailed eligibility criteria on our website at https://sfcuonline.org/about/membership/ . When you're ready to open an account, it's as easy as filling out a form online at https://sfcu.wufoo.com/forms/s1ajk3gx0o9gsjs/ . Join us today and experience the difference of being part of our credit union family!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

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 That Make Transactions Easy

Alongside our loan offerings, we provide merchant services tailored to meet the day-to-day needs of businesses. Imagine a local café that can accept payments effortlessly from customers, thanks to our reliable payment processing systems. This not only streamlines operations but also enhances customer satisfaction allowing you to focus on what matters most: running your business. If you're ready to take your business to the next level, visit us at 3 Liberty St Walton Ny 13856 or call us at (607) 865-4153. Let's work together to make your vision a reality!

Comprehensive List Of Services

Credit Cards and Business Banking

Don't forget about our credit cards with rewards! Whether it's cash back or travel points, these cards can add value every time you make a purchase. For local businesses, we provide business banking services that include merchant services and business loans, ensuring you have the resources needed to thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we've invested heavily in online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts from anywhere. Need to check your balance? Transfer funds? Or even make payments? It's all just a click away! We also offer ATM services for quick cash withdrawals and balance checks as well as basic drive-thru banking for simple transactions like deposits or withdrawals because we want your banking experience to be as smooth as possible.

Personal Banking Solutions

When it comes to personal banking, we offer an array of options tailored just for you. Start with our checking and savings accounts, which come with no monthly fees, making them perfect for everyday transactions or saving for your future. If you're considering purchasing a vehicle, our auto loans and vehicle financing solutions make it easy to drive away in the car you want without breaking the bank. For those looking to buy a home, our mortgage loans and refinancing options can help you secure your dream house at competitive rates. Need some extra cash? Our personal loans are designed for various purposes, including debt consolidation, helping you simplify your finances.

Visit Us Today!

We invite you to experience all that Sidney has to offer. Our branch hours are Monday through Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 12 p.m., making it easy for you to stop by when it fits your schedule. You can reach us at (607) 865-4153 if you have any questions or need assistance. Whether you're looking for personal finance solutions or business banking support, we're here for you every step of the way. Visit us today at 3 Liberty St Walton Ny 13856 in Walton, NY and let's achieve your financial goals together!

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking platform is user-friendly and packed with features that help you stay on top of your finances. You can easily check your balance, transfer funds, and pay bills all at your fingertips. Plus, our electronic signature authorization means you can complete important transactions without the hassle of paperwork. Stay organized with e-statements, which are not only environmentally friendly but also accessible whenever you need them. No more waiting for the mail; your financial statements are just a click away! And if you're on the go, our mobile application ensures that all these features are available right from your smartphone.

Secure and Accessible Banking

Security is crucial when it comes to managing your money online. Rest assured that our systems are equipped with advanced security measures to protect your information. Whether you're using our mobile payments feature or sending money through person-to-person transfers, you can bank confidently knowing that your data is safe. With all these tools at your disposal, managing your finances has never been easier. Whether you're making a quick payment or checking transactions from last week, Sidney makes it simple and secure. Join us today by visiting https://sfcuonline.org/ and take control of your banking experience!

Financial Strength

Commitment to 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 lending capacity supports your financial goals across various sectors with $17,609 in used auto loans and a total of $827,011,937 in loans and leases.

Growing Member Trust

Total Share Accounts stand at 150,307, showcasing a strong and growing member base that trusts us with their finances. Our Net Shares available for lending and investments amount to $2,479,656, further reinforcing our ability to support your needs. 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 3 Liberty St Walton Ny 13856 or call (607) 865-4153 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-Centric Approach

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.

Solid Foundation

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 Operational Efficiency

Our commitment to operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial 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.

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 purchasing a brand-new vehicle or a reliable used one, we have tailored financing options to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $26,476,831 provide the capital needed to grow and expand your business. We understand that having the right financial tools is essential for success, and our team is ready to assist you in finding the best loan for your needs.

Mortgage Options

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 competitive rates and flexible terms to ensure you find a solution that works for you.

Personal and Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we provide unsecured credit card loans with total offerings of $19,074,770 to help our members manage their finances effectively. These flexible terms can support you in building your credit while giving you access to funds when needed.

Refinancing Options

If you're looking to lower your monthly payments or access cash from your home equity, we also offer refinancing options across various loan types. Visit us today to learn more about how refinancing could benefit you. We invite you to explore all that Sidney has to offer. For more information on eligibility and specific details regarding each loan product, please visit our website or reach out directly at (607) 865-4153. Remember, 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 towards achieving your financial dreams!

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh serves as a trusted tool for individuals seeking the best financial options available. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This adherence to established guidelines guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov ). By working exclusively with legitimate financial institutions, LendMesh provides verified data to its users. One of the standout features of LendMesh is its commitment to unbiased results. There are no sponsored listings or paid promotions that prioritize certain lenders over others. This means users can trust that they are viewing authentic loan offers without any hidden agendas influencing the outcomes. Additionally, LendMesh provides real-time rate comparisons from multiple institutions, empowering users to make informed decisions based on up-to-date information. Thousands of users have already benefited from using LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this comparison tool. If you're looking to secure the best loan rates tailored to your needs, compare real-time loan offers today at LendMesh and find the best rates for your situation. *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.*

SIDNEY FEDERAL CREDIT UNION - Walton, NY