Credit union · NCUA insured
Sidney FCU
A $1.3B credit union, the 386th largest of 4,329, headquartered in Sidney, NY, with 75,418 members and 13 branches in New York. Best rates: CDs 5.00% and savings 0.15% APY.
Sidney FCU Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#3 of 6 in Oneonta, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sidney FCU
Sidney Federal Credit Union received charter #6011 in 1949 after Scintilla Magneto Corp. employees met in Sidney, New York to organize a credit union.
Today, the credit union operates 13 branches across a multi-county service area in New York.
- Headquarters
- 42 Union St, Sidney, NY 13838
- NCUA charter
- 6011
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or regularly conducts business in specified New York counties and towns.
Employers and groups
- Employees of SFCU are eligible for membership.
Family and household
- Immediate family or household members of eligible individuals/members are eligible for membership.
Other ways
- Organizations of eligible persons, and corporate or other legal entities are eligible for membership.
Cost to join
- A minimum deposit of $5.00 is required to open an SFCU Membership Savings Account.
Branches
13 branches in New York
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New York
13 branches
Oneonta area · 3
- Morris132 Main St, Morris, NY 13808Directions
- Market St., Oneonta53 Market St, Oneonta, NY 13820Directions
- Oneida St., Oneonta75 Oneida St, Oneonta, NY 13820Directions
Syracuse area · 2
- Cicero8062 Brewerton Rd, Cicero, NY 13039Directions
- Liverpool7545 Morgan Rd, Liverpool, NY 13090Directions
Sidney area · 1
- SidneyMain office42 Union St, Sidney, NY 13838Directions
Amsterdam area · 1
- Amsterdam4839 State Highway 30, Amsterdam, NY 12010Directions
Bainbridge area · 1
- Bainbridge16 S Main St, Bainbridge, NY 13733Directions
Delhi area · 1
- Delhi5 Main St, Delhi, NY 13753Directions
Greene area · 1
- Greene65 Genesee St, Greene, NY 13778Directions
Hancock area · 1
- Hancock70 W Front Street Ext, Hancock, NY 13783Directions
Norwich area · 1
- Norwich5900 County Route 32, Norwich, NY 13815Directions
Walton area · 1
- Walton3 Liberty St, Walton, NY 13856Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.50% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.85% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.25% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalNet worth ratio10.50%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.85%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.25%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sidney FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.