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Following CDC and NYS recommendations, fully vaccinated individuals can now decide whether or not to wear a mask inside most SEFCU locations (excluding Empire State Plaza, Kiernan Plaza, Nanotech, State Street – Albany, and our branches within Capital Region hospitals). Individuals entering a branch who are unvaccinated are still required to wear a mask. Thank you for your cooperation.

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Hit the road this summer!

RV rates as low as 4.95% APR* for 120 months.

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Get a Variable-Rate Home Equity Line of Credit

Check out our 18-month introductory period.

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Earn rewards lightning fast!

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With a SEFCU Lightning credit card you can:
Earn 3x* points on groceries
2x points* on online purchases
1x points* on all other purchases

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Auto loan rates as low as 1.74% APR* for 60 months! Model years 2018-2021

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Get the cash you need for the projects on your to-do list.

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Borrow up to $25,000 and enjoy fixed payments for 12 to 60 months.

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Get involved in local events.

Check out upcoming events near you.

Auto Loans 2018-2022

Rates as low as
1.74% APR**
for 60 months

Credit Card

Rates as low as
8.24% APR***
For purchases and balance transfers

Mortgage

30-year fixed-rate
3.125% Rate
3.244% APR*

Personal Loan

Rates as low as
4.99% APR*
for 60 months

Share Certificates

Open a 12-month
Share Certificate at
0.40% APY*

We're committed to changing lives every day.

Join us in making a difference for friends and neighbors.

Ready To Join? Let's Get Started

Open your new SEFCU account and start taking advantage of all the benefits of SEFCU membership.

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