Becoming a Member

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Become a Member

There are a lot of choices out there. Choosing SEFCU is not only easier than you think, but comes with many advantages.

Ready to join now?

Click here to get started


What is a Credit Union?

A credit union (like SEFCU) is a cooperative financial institution, owned and controlled by the people who use its services, called members. You can rest easy knowing your money is safe here. Like all federal credit unions, SEFCU is chartered, regulated, and insured by the National Credit Union Administration (NCUA), a U.S. government agency created for just this purpose. Member accounts are insured up to at least $250,000 per member account, and up to $250,000 for IRA accounts.

How do you become a member?

Becoming a member is easy and there are a ton of ways you can qualify. SEFCU is not just for State employees. Take our membership eligibility quiz and you'll know in minutes how you may qualify. Use ClickSWITCH to move your accounts to SEFCU quickly and easily!

Why choose SEFCU?

When it comes to banking SEFCU takes a strong focus on security, technology, and member service.  When it comes to community and financial well-being SEFCU is continually changing lives every day through educational programs and community outreach.

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Great rates on savings and loans

SEFCU rates are extremely competitive in our markets, which means we're providing higher rates for savings products, and lower rates for loans.

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Support of active U.S. military and veterans

Our Paying it Back loan offers rate discounts on auto, RV/Boat, and Sportcraft loans, and certain home equity loans and lines of credit.



Access to surcharge-free* cash at more than 55,000 Allpoint ATMs worldwide

Don't pay for your cash! Access your money surcharge-free at more than 55,000 Allpoint ATMs located all over the world.



More than 50 branches across the state

Stop by one of our conveniently located branches throughout the state - or let our Mobile branch come to you!

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Award-winning Mobile app and credit card

Take advantage of SEFCU's award-winning products - our Mobile app and the SEFCU Lightning Credit Card®.

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Community and Financial Education

Changing lives every day is not just a tagline. SEFCU is heavily involved in local community outreach in the form of sponsorships, donations, volunteering, and providing financial education. Please make sure to visit our Community and Financial Education sections to see what's available to you and the ways we help.

Best of the Times Union Award


Voted "Best Bank/Credit Union" in the Times Union Readers' Poll for 14 years in a row! 

Our commitment to member service hasn't gone unnoticed with members voting us "the best" from 2007 - 2020! 

Want to know even more? Here are some of the specifics that make us, us.

Savings accounts and perks for children of all ages

  • SEFCU's School Banking Program teaches the importance of savings and offers yearly incentives to participating students and schools.
  • Smart Sense share certificates allow you to make regular deposits into a higher interest rate share certificate.
  • Merit-based scholarship opportunities are offered each year to area high school seniors and those attending four year colleges/universities.

Reliable accessibility

  • We are happy to help at any of our 50 branches, on the phone with our Member Solutions Center, in chat, or via email.
  • Access your funds surcharge-free at more than 55,000 Allpoint~ATMs around the world.
  • Take advantage of SEFCU's mobile chat feature to ask questions while you're on the go.

On-the-go services that travel with you

  • Use the Mobile app to pay bills, check balances, and transfer funds from your smartphone or tablet.
  • Deposit checks anywhere, anytime - free of charge with iTeller on-the-go.
  • Transfer funds and check your balances with SEFCU Text Banking on your cell phone.

Community Involvement

  • Giving for Good is a SEFCU Foundation initiative providing essentials to individuals and families in need. Members and employees can donate once or on a recurring basis to help change lives.
  • Each week, SEFCU's Freight Farm produces nearly 700 heads of lettuce, kale, and many varieties of herbs, to donate to local food shelters so they can offer healthy meals to those experiencing food insecurity.
  • SEFCU's Why I Care Award recognizes employees and members who are making a difference in the community. Their stories are featured in SEFCU's enewsletter, Dollars & Sense.

Financial Wellness

  • SEFCU's Institute for Financial Well-Being offers free financial seminars customized for all ages such as introduction to money, college expenses, confronting debt, retirement, and more.
  • In addition to seminars, SEFCU Educators visit local schools, colleges, and organizations to present free financial wellness sessions. Request a session today.

Hassle free business accounts

  • SEFCU offers products to support day-to-day business needs such as payroll processing and merchant services.
  • Take advantage of in-house commercial lending options to help you grow your business.
  • Enjoy no minimum balance requirements.
  • See all of our business-focused services

Ready to join now?

Click here to get started

*SEFCU members are not required to pay a fee at Allpoint ATMs. If a charge screen appears during your Allpoint ATM transaction, enter "yes" to accept the charge and proceed with your withdrawal. The additional fee will not be deducted from your SEFCU account. The savings can be $3 or more per transaction. Please note, at international Allpoint ATMs, you will still be responsible for the Mastercard® Foreign Currency transaction fee.