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.

Home Equity

Home improvements, pay off higher interest debt, college tuition or taking the vacation of a lifetime. Borrowing back some of the equity in your home can be the perfect solution.

Home Equity Line of Credit

An open line of credit means you can borrow when YOU need it.

  • Borrow up to 90% of your home's equity.
  • Variable rate of Prime +0% for well qualified borrowers.
  • Low closing costs.
  • No annual fee or prepayment penalties (1).
  • Potential for tax-deductible interest (2).
  • Quick access to funds using CU-Online.

Home Equity Loans

  • Borrow up to 90% of your home's equity.
  • Low fixed rate.
  • Low closing costs.
  • No annual fee or prepayment penalties (1).
  • Potential for tax-deductible interest (2).
  • Quick access to funds using CU-Online

Looking to refinance your mortgage? Purchasing a new home and looking to get prequalified? Any questions about a sfcu mortgage or home equity?

Contact Us

Call Us: 877-642-7328

Email Us:

Fill out my online form.

1.) Repayment of closing costs waived by credit union may apply if HELOC is closed prior to x year.
2.) Check with your tax advisor regarding deductibility.

Become a sfcu member Become a sfcu member
Contact Us Today!

Phone: 877 642-7328

ART (Audio Response Teller)

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

Toll Free: 1-877-642-7328

www.sfcuonline.org contains links to websites owned and operated by third parties. By accessing these links, you acknowledge that Sidney Federal Credit Union (sfcu) is not responsible for content on third party websites, nor does sfcu represent members or companies in any transactions on these sites. Privacy and security policies on third party websites may differ.

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