Sidney, NY 13838
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Notable Rates APY Vs.Others
Savings 0.05% 1.00% →
1-Year CD 0.45% 0.95% →
2-Year CD 0.65% 0.95% →
5-Year CD 1.06% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Sidney is an NCUA insured institution located in Sidney, NY. It was founded in 1949 and has approximately $537.95 millions in assets.

NCUA Insured Yes
Charter Number # # 6011
Date Established 1949
Assets $537.95 million
Loans $387.59 million
Deposits $453.88 million
Capital $73.08 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school or have immediate family in select counties and towns in New York and Pennsylvania.

Deposit Rates - October 19, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.07% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
30 Mo CD
0.70% $10,000 $14,999 Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.06% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 19, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SIDNEY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.574% 2.500% 1.00 $2,445 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to SIDNEY
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Below are Sidney branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Sidney Locations

Financial Details

Sidney Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sidney. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Sidney U.S. Average
6.45% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Sidney had $4,408,674 in non-current loans and $596,957 in owned assets. To cover these potential losses it had $73,079,391 in net worth and $4,531,569 in loans loss reserves. That gives it a Texas Ratio of 6.45%.

Net Worth
Sidney U.S. Average
13.58% 13.61%

Sidney FCU has a net worth of 13.58% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Sidney

Branches and Savings

What is Sidney?

A federal credit union, registered with the NCUA under certificate #6011.
Learn more about credit unions here.

Is Sidney FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Sidney?

Please see Field of Membership information above for information on who is eligible to join.

What are Sidney's share account and share certificate rates?

Sidney's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Sidney?

Sidney has total capital of $73.08 million. Full information on Sidney's financial position is located above.

Who owns Sidney?

Credit Unions are owned by their members.

Where are Sidney branches located?

See branch locations nearby.

Are Sidney ATMs Open 24/7?

Do Sidney ATMs accept cash deposits?

Can Sidney customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Sidney have a mobile app?

Does Sidney have mobile deposit?

Does Sidney have quick pay?

How can Sidney transfer money to other banks or credit unions?

Does Sidney report to credit bureaus?

Does Sidney use Chexsystems?

Does Sidney use Equifax?

What is Sidney's toll free phone number?

What is Sidney's ACH Routing Number?

What is Sidney's SWIFT code?

Where can I find Sidney's wire transfer form?

What is the Sidney address for deposits?

What Products Does Sidney Offer

Does Sidney offer mortgages?

Compare mortgage rates here.

Does Sidney offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sidney offer auto and RV loans?

Compare auto loan rates here.

Does Sidney offer student loans or personal loans?

Compare personal loan rates here.

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