Local: 607-561-7328, 607-432-1451

Toll FREE: 1-877-642-7328

COVID Pandemic updates

Our Oneonta Branch lobbies are closed as of 9-4-20, Drive up, ATM, mobile banking are available.

Secured Loan Rates

Interest Rates

Rates effective as of  9/20/2019

Type of Loan
Minimum Balance to Open
New Recreation Loans
(2016 and Newer)2
60 6.25%
120 6.50%
180 6.75%
Used Recreation Loans
(2015 and Older)2
60 6.75%
120 7.00%
180 7.25%
Mobile Home Loans2 60 10.15%
84 10.15%
120 10.15%
144 9.15%
180 9.15%
Hobby Equipment Loan2 36 7.75%
48 8.75%
60 9.75%
72 10.75%
144 11.75%

Certain Restrictions may apply on any of the above loan types. Please contact any of our branch offices for questions.

The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.

1- Annual Percentage Rate

2- In addition to our low loan rates, you can receive up to a 0.5% discount with our Member Rewards program, regardless of your credit score, if you are a sfcu direct borrower. It’s simple- the more products / services you have, the greater your reward. Each of the following products / services qualify for our Member Rewards Program:

- Mortgage - Home equity Loan
- Credit Card - Debit card
- Checking - Direct deposit
- Payroll deduction - Automatic transfer
- Cu-Online service - eStatement service
- Individual retirement account (IRA) - Term share certificate

3- The Variable rate Auto has a floor of 2% - The variable rate Personal loan has a floor of 8%

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Contact Us Today!

Phone: 877 642-7328

ART (Audio Response Teller)

Local: 607-561-7328, 607-432-1451

Toll Free: 1-877-642-7328

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Rates and earnings advertised through sfcu's website, ads, and promotions may be subject to change based on account fees.

Click here to learn about Fair Housing Opportunities© 2019 sfcu | This credit union is federally insured by the National Credit Union Administration.Click here to go to national credit union website