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As a SEFCU member, you’re much more than a customer—you’re an owner. SEFCU offers each member the status of shareholder with all the unique privileges of credit union ownership. And as you’d expect, we make every decision with the best interests of the owners in mind.

Once you become a member, you can remain a member for the rest of your life. And you enjoy access to a vast array of services:

Free checking with overdraft protection and SEFCU Cash Reserve line of credit up to $15,000 (if credit qualified)

Savings options for every need, including high-yield Share Certificates and IRAs

Consumer loans with competitive rates, flexible terms and automatic payment options

Mortgages and home equity loans with competitive rates and points, low closing costs and payroll distribution options

• Special club accounts for youth and senior members

• Instant access to your accounts via SEFCU OnLine, DIAL (our 24-hour automated phone system) and our network of ATM locations

eStatements that offer secure online access to your monthly statement for free

• Free, secure, anytime access to your SEFCU Visa account information, right on the Web

SEFCU iPay for paying one-time and recurring bills online

• Free direct deposit and payroll deduction

Investment* and insurance professionals who can help you create a financial plan for your future and protect your family’s assets

• Surcharge-free cash at thousands of ATMs nationwide through our affiliations with the Allpoint™ Network and the SUM Program

Member Solutions Center professionals who are highly trained in answering member questions and helping with transactions by phone

MoneyClips Magazine with regular updates on news, products and financial information

Your money is safe at SEFCU: indeed, it’s federally insured by the National Credit Union Share Insurance Fund up to $250,000 per member account. IRAs may be insured separately for up to $250,000.

Ready to join? Just click here!

*Securities are offered by, and Investment Consultants are registered with, UVEST Financial Services, member FINRA/SIPC. UVEST is independent of any financial institution. This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. registered representatives. UVEST Financial Services U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.


Not NCUA Insured Not Credit Union Guaranteed May Lose Value
Not Guaranteed by any Government Agency Not a Credit Union Deposit

Business Partner Program
Through mutual collaboration, business partners offer SEFCU members value-added discounts on many great products and services.


 
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You can join SEFCU if you live, work, attend school, or worship in the cities or towns of...Albany, Amherst, Barker, Barton, Berkshire, Binghamton, Buffalo, Candor, Cohoes, Colesville, Conklin, Dickinson, Green Island, Kirkwood, Lisle, Lackawanna, Maine, Mechanicville, Montgomery County, Nichols, Nanticoke, Rensselaer, Richford, Sanford, Schenectady, Spencer, Syracuse, Triangle, Troy, Union, Watervliet
 
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