Credit union · NCUA insured
Sidney FCU Savings Rates
Sidney FCU’s best savings rate is 0.15% APY on $10,000, with its Money Management Account. Rates checked October 16, 2026.
How Sidney FCU’s savings rates compare
Compared with banks and credit unions near Oneonta, NY, where Sidney FCU has the most branches. $10,000, best rate first.
This credit union’s best
Sidney FCU
0.15%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Money Management Account
Top rate
Wayne Bank
3.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
2nd-highest rate
Leatherstocking Credit Union
2.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $250
Sidney FCU savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sidney FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Management Account
Up to 0.15%APY
Membership eligibility required. Maintain the required $2,500 average daily balance to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMembership eligibility required. Maintain the required $2,500 average daily balance to earn dividends. | 0.07% | $7 | Membership eligibility required. Maintain the required $2,500 average daily balance to earn dividends. |
| $5,000 and upMembership eligibility required. Maintain the required average daily balance to earn dividends. | 0.10% | $10 | Membership eligibility required. Maintain the required average daily balance to earn dividends. |
| $10,000 and upMembership eligibility required. Maintain the required average daily balance to earn dividends. | 0.15% | $15 | Membership eligibility required. Maintain the required average daily balance to earn dividends. |
Sources (1)
- sfcuonline.org/accounts/saving…nt-options/club-accounts · captured Oct 6, 2026
Escrow - (SFCU Mortgages)
0.05%APY
Escrow savings account for SFCU Mortgages.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $118 and upDividends calculated by average daily balance method. Minimum average daily balance to obtain APY is $118.$118 and up | 0.05% | $5 | Dividends calculated by average daily balance method. Minimum average daily balance to obtain APY is $118. |
Sources (1)
- sfcuonline.org/accounts/saving…nt-options/club-accounts · captured Oct 6, 2026
Savings Account
0.05%APY
Primary membership savings account requires a $5 minimum balance. Additional savings accounts may be added. Average daily balance of $118 required to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $118 and upDividends calculated by average daily balance method. Minimum balance to earn APY is $118. No monthly maintenance fees.$118 and up | 0.05% | $5 | Dividends calculated by average daily balance method. Minimum balance to earn APY is $118. No monthly maintenance fees. |
Special-purpose accounts
Health Savings Account
Up to 0.50%APY
Membership eligibility required. Minimum Balance required to earn APY $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMembership eligibility required. Minimum Balance required to earn APY $100. | 0.10% | $10 | Membership eligibility required. Minimum Balance required to earn APY $100. |
| $500 and upMembership eligibility required. Minimum Balance required to earn APY $100. | 0.30% | $30 | Membership eligibility required. Minimum Balance required to earn APY $100. |
| $5,000 and upMembership eligibility required. Minimum Balance required to earn APY $100. | 0.50% | $50 | Membership eligibility required. Minimum Balance required to earn APY $100. |
Sources (1)
- sfcuonline.org/accounts/saving…s/health-savings-account · captured Oct 6, 2026
Club Account
0.05%APY
Special purpose savings account to save for specific goals (e.g. summer vacation, holiday expenses). No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $118 and upDividends calculated by average daily balance method. Minimum average daily balance to obtain APY is $118. No monthly maintenance fees.$118 and up | 0.05% | $5 | Dividends calculated by average daily balance method. Minimum average daily balance to obtain APY is $118. No monthly maintenance fees. |
Sources (1)
- sfcuonline.org/accounts/saving…nt-options/club-accounts · captured Oct 6, 2026
Coverdell Savings
0.05%APY
Coverdell Education Savings Account to save for child's future education expenses. No income qualifications.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $118 and upDividends calculated by the average daily balance method. Minimum balance required to earn APY is $118.$118 and up | 0.05% | $5 | Dividends calculated by the average daily balance method. Minimum balance required to earn APY is $118. |
Sources (1)
- sfcuonline.org/accounts/saving…ucation-savings-accounts · captured Oct 6, 2026
Traditional & Roth IRA Savings Account
0.05%APY
Available as Traditional or Roth IRA savings account. Payroll deduction available. No setup fee or maintenance fees. Accepts rollovers, direct rollovers from qualified retirement plans, and direct transfer contributions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $118 and upDividends calculated by the average daily balance method. Minimum balance required to earn APY is $118. No setup fee or maintenance fees.$118 and up | 0.05% | $5 | Dividends calculated by the average daily balance method. Minimum balance required to earn APY is $118. No setup fee or maintenance fees. |
Sources (1)
- sfcuonline.org/traditional-and-roth-ira-certificates · captured Oct 6, 2026
Who can join Sidney FCU
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.
Membership information collected October 5, 2026.