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2018 Impact Study

In 2018, more than 5,000 individuals attended a learning event across New York State. Attendees were surveyed and reported favorably on both the classes and their instructors. Are you ready to change your financial future and attend a free session?

View 2018 impact report

View current seminars

01/2019 - Chris McNeil, Why I Care Employee Recipient

Chris McNeil, Employee Recipient

Most members know Chris McNeil as the Member Service Leader of SEFCU’s Amsterdam branch, but you may not know he is also skilled with using power tools and he’s been putting those skills to good use helping to renovate a number of spaces at non-profits throughout the areas SEFCU

Security Tip - 11/2018

Beware of Callers Saying Your SSN is Suspended

From time to time you probably receive phone calls from someone you don’t know, but what happens if the caller tells you your Social Security Number (SSN) has been suspended and asks you to provide confidential information to reactivate it? The Federal Trade Commission has received reports about scammers trying to trick people into providing their confidential information by calling and saying their Social Security Number has been suspended. The problem? Social Security Numbers don’t get suspended. 

Wealth Management Services* 11/2018

SEFCU Wealth Management Services Presents Retirement Account Distributions After Age 70 ½


Many people begin withdrawing funds from qualified retirement accounts soon after they retire in order to provide annual retirement income. These withdrawals are discretionary in terms of timing and amount until the account holder reaches age 70½. After that, failure to withdraw the required minimum amount annually may result in substantial tax penalties.

Wealth Management Services* 1/2019

SEFCU Wealth Management Services Logo

Tips for Transitions: Make the Most of Your Retirement Account Options

Changing jobs? What are you going to do with your retirement savings? Think about this:

Wealth Management Services* 02/2019

SEFCU Wealth Management Services Logo

You and Your Investment Representative: A Relationship of Trust

Perhaps your doctor, lawyer, and accountant are trusted advisors. Through years of working with them, they have come to know your family and your particular needs. How about your investment representative? Have you built the same kind of trusting relationship with him or her?

Institute for Financial Well-Being - 11/2018

SEFCU Facilitates Summer Youth Employment Programs

What can I buy with my first paycheck? Should I open a checking account? Why should I start saving for college, or a car, now? Why is everything I want to buy so expensive? Those are just some of the questions typical teenagers ask as they start thinking about a first job. The concepts of managing money through budgeting, saving, and making wise decisions on spending are often a big unknown for most youth.

Community News - 02/2019

SEFCU’s Surprise Donations of Blankets, Coats and Other Items for Shelters during Code Blue

With rates of homelessness going up and temperatures going down, the individuals turning to many of the shelters throughout SEFCU’s geographic footprint may be a little cozier on cold nights, thanks to the outpouring of generous support from the credit union’s employees and members. 

Institute for Financial Well-Being - 12/2018

Creating Positive Financial Habits

Developing positive habits related to saving and spending money is an ongoing process. Not understanding your habits – especially during the holiday season – can create added expenses and stress. On average it takes about 60 days to change or create a habit, so it’s important to think carefully about what you spend your money on, especially this time of year. By following some simple tips, you can keep your holiday spending in check and develop healthy financial habits.

Security Tip - 11/2018

Freezing your credit

Security freezes, also known as credit freezes, restrict access to your credit file which makes it harder for fraudsters and identity thieves to open new accounts in your name. Now, you can freeze and unfreeze your credit file for free. 

Security Tip - 01/2019

Improve Your New Computer’s Security

Did you receive a new computer this holiday season? It’s important to properly configure your home computer before connecting it to the internet to keep it, and your information, secure. Because we input and view so much personally identifiable information on computers, it’s very important to maintain computer security.

The following are important tips that can help to make your computer more secure. When used together, these practices will strengthen your computer’s security and help minimize threats:

Institute for Financial Well-Being Tip - 01/2019

Creating Positive Financial Habits

Habits aren’t something that form overnight. It usually takes about 60 days to change a behavior and create a habit. Last month SEFCU’s Institute for Financial Well-Being provided tips for healthy holiday spending live on Facebook, but the tips can actually be used year-round to help you develop healthy spending habits.

10 Tips for Healthy Spending

Security Tip - 02/2019

Don’t Fall Victim to a Phishing Scam

Phishing scams can take many forms. Sometimes scammers use fraudulent emails or texts or mimic websites that you trust to get you to share confidential, personal information – like account numbers, Social Security Numbers, or usernames and passwords. Phishing scammers usually give their targets a false sense of security because they make the text message, email, or website look like one the victim is familiar with. Worst of all, they usually make the message seem extremely urgent or there will be negative consequences.

Institute for Financial Well-Being Tip - 02/2019

SEFCU’s Institute for Financial Well-Being Makes BIG Impact in 2018!

In 2018 more than 5,000 people attended one of SEFCU’s free financial education sessions covering topics like saving, budgeting, and reducing debt. If you’re struggling with one of these topics or others, we want to help you build confidence and learn practical methods for financial improvement. Individuals can click the button below to view upcoming sessions.

Community News - 02/2019

SEFCU Fights Hunger in Non-traditional Ways

According to Feeding America: Map the Meal Gap 2018, 10.4% of adults and 13.5% of children in the Capital Region are food insecure which means those individuals don’t know where their next meal is coming from.