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Top 10 Reasons to Join SEFCU

Need a good reason to join SEFCU? Here are 10 of them! Read on, then click the membership application link at the bottom of the page to join.

If you live in or near Albany, Syracuse, Buffalo, or Binghamton, SEFCU is the credit union to join. Here are 10 good reasons!

1. Really Free Checking

Getting slammed with fees and hidden charges? SEFCU's Really Free Checking means just that: no minimum balance required, no monthlyl service charges or per-check charges, and a free SEFCU Visa®Check Card for quick cash with no surcharges at tens of thousands ATMs nationwide.

2. Free Convenience Services

SEFCU makes it easy to bank anytime, anywhere all for free. With SEFCU OnLine, SEFCU apps for iPhone, iPad, Android, and Kindle Fire, iTeller Home and on-the-Go, Text Banking, eStatements, and iPay you can visit our branches as much or as little as you'd like.

3. Free Direct Deposit

How does one less item on your to-do list sound? SEFCU makes it happen with Direct Deposit. Have your paycheck directly deposited into your SEFCU Really Free Checking or savings account, and your money is available first thing on payday!

4. Mortgages and Home Equity Loans

SEFCU Mortgage Services has the right mortgage for you! Our fixed- and adjustable-rate mortgages offer competitive rates and flexible terms. SEFCU's Home Equity loans turn your home's equity into cash for the things you need now like replacing your furnace or boiler, a new air conditioner, or taking off on your next vacation.

5. Auto and Personal Loans

Whether it's a new car, paying off high interest credit cards, or home improvements, SEFCU has the right loan for you. Our competitive loan rates and flexible payment plans give you the power to meet all your needs.

6. Student Loans

A good education: there's no better way to invest in your future and SEFCU can help with Student loans for college. Explore our Student loans and borrow from $2,000 to $30,000 - with up to 15 years to repay. Best of all you get all of our Campus Connect account perks!

7. Quick Online Loan Approvals

Why wait for the things you need? SEFCU's Online Lending Center lets you research loans and calculate payments, then apply right online and get a loan decision within minutes.

8. Better Ways to Save

Saving for vacation, college, or retirement? SEFCU has the right plan for you. Take advantage of savings plans from Preferred Savings to Share Certificates, IRA plans to Holiday Clubs, or choose your own savings goal with an Owner's Choice account. Even our youngest members enjoy savings accounts with our Smart Sense account and programs that teach school-aged children how to manage money.

9. Expert Advice

You work hard for your money and it should work hard for you. Our Investment Advisors can help make it happen with investment vehicles and programs for every need, personal or business.

10. SEFCU's Member Solutions Center

Here's our tenth reason to join SEFCU and maybe the most important - real people! When you call SEFCU's Member Solutions Center you can talk to a real live person and bank by phone, apply for loans, request information, or perform nearly any branch transaction. Our Member Solutions Center representatives are ready to assit you Monday through Friday, 8 a.m. to 6 p.m. and on Saturday from 8 a.m. to 2 p.m. Whatever you need, we've got a real live answer, and it's just a phone call away.

Join SEFCU today!

  • Apply online 24/7
  • Visit a branch near you 
  • Call the Member Solutions Center at 518-452-8183 or 800-727-3328