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.

Credit Cards

Increase your purchasing power and add flexibility to your financial life with a credit card from sfcu. sfcu’s credit card program provides for a flexible and low-cost way to pay for expenses over time. We offer Classic, Gold, and Platinum MasterCards, each with varying credit limits and rates.

Each of sfcu’s credit card products offer:

  • No Annual Fees
  • Zero Balance Transfer Fees
  • Low Interest Rates
  • Cash Advances
  • Fraud Monitoring
  • Easy Payment Options
  • 25 day grace period for purchases
  • Free book of MasterCard Checks
  • Security of online password protection

MasterCard® Guide to Benefits for Consumer Credit Cardholders

MasterCard® Guide to Benefits for Business Credit Cardholders

Credit Card Agreement


Credit Card Comparison Chart

Updated 4/01/2020

Type of Card Rates Annual Fees
Classic 13.90% None
Gold 10.90% None
Platinum 7.90% None


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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