Membership

Join SFCU & experience banking easier

If you or an immediate family member live, work, attend school, or worship in one of our counties of operation, we'd love to have you! Become a member of SFCU and experience superior service and exceptional financial services — along with a friendly, neighborhood touch.

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Why join?

At SFCU, we provide a wide range of financial services backed by local knowledge to suit just about any need. Check out just a few of the services we offer.

Banking Services

From savings and checking accounts to IRA and share certificate accounts, our friendly experts can find the accounts to fit your needs and help you reach your financial goals.

Business Accounts

Running a business is tough enough; your banking shouldn't be! Open a business checking or saving account with SFCU to simplify managing your business finances.

Lending Services

Whether you need a loan or a line of credit, the knowledgeable experts at SFCU can help you secure funding with competitive rates to cover purchasing a new home, buying a car, paying for repairs, or anything else life might throw your way.

Local Knowledge

At SFCU, we're passionate about our neighborhood. That's why we offer completely local service from people who know the area to provide the personalized financial services for our neighbors.

How to Join

It’s easy to become an SFCU member. Simply open a savings account online and deposit at least $5. That’s all it takes to become eligible to apply for any other services we offer!

You Belong Here

Anyone who lives, works, worships, goes to school, or conducts business in the following New York counties is eligible to become a member with SFCU:

Essex
Hamilton
Fulton
Montgomery
Herkimer
Oneida
Madison
Onondaga
Cortland
Chenango
Otsego
Schoharie
Delaware
Broome

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Let's do this!

It only takes a few minutes to get started with a savings account. From there, a world of banking easier awaits you! Here’s what you’ll need:

Government issued ID/Drivers License/State ID or Passport with current address
Your complete physical and mailing address
Social Security Number
Date of birth
Email address
Telephone number(s)

Why Bank with Us

With comprehensive financial services and friendly, knowledgeable experts, SFCU is the one-stop-shop for all your financial needs.

Our Mission and Vision

At SFCU, we strive to make banking easier and more accessible for all. We believe everyone should have access to the financial tools and funding they need to grow and achieve their dreams.