Sidney Federal Credit Union

  • +1

A short history of Sidney FCU

Since its inception in 1949 the Sidney Federal Credit Union has been serving its members in the SIDNEY, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by James Doig, the Sidney FCU has grown its membership to over 46,321 with assets of more than $469,485,404. They have a main office and 9 branch offices. Please see the credit unions website or contact them by phone at (607) 561-7300 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SIDNEY, NY.

General Information For Sidney FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 6011
Address 42 UNION ST 
State New York 
Zip-Code 13838
Phone Number (607) 561-7300
Fax Number (607) 563-7474
Email Address:
CEO/President James Doig
Members 46,321 
Full-Time Employees 146 
Part-Time Employees 10 
Number of Branch Offices
Total Assets 469,485,404 

Compare Sidney Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Chen-del-o CU MAIN OFFICE 114 MAIN ST 13775 (607) 829-3560 No 11.97
Norwich Telops CU Main Office 11 E Park Pl 13815 (607) 336-4988 No 17.87
Ghs CU Main Office 910 Upper Front St 13905 (607) 723-7962 No 28.32

Sidney Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Sidney Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 14.65 2.70 2.70 4.75 4.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 512 108 66 238 200
Rank Among All New York Credit Unions 85 46 22 78 69

Sidney Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.20 1.20 1.20
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 114 134 133
Rank Among All New York Credit Unions N/A 34 30 24 25
Sidney Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 14.6507,22218,531,755
All Other Unsecured Loans/Lines of Credit 6.1509,68930,732,560
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.7001,31623,961,096
Used Vehicle Loans 2.7007,95888,829,015
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.75059438,116,742
Total Other Real Estate Loans/Lines of Credit 4.7501,04928,425,291
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.2501,63319,733,191
TOTAL LOANS & LEASES 29,461248,329,650

Sidney Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 41225,606,516161,249,631
    b. 15 Years or less 873,443,6429726,425
    a. > 15 years 51,000,5301103,920
    b. 15 Years or less 878,005,59771,037,500
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 360,45700
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 56814,200,205512,082,300
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 48114,225,08618351,458
Open-End Fixed Rate 0000
TOTALS 1,64366,542,0331025,551,234


Interest Only & Payment Option 1st Mortgage Loans 142,22744,000
Interest Only & Payment Option Other RE/LOC Loans 2127,498130,000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Sidney Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes