Should You Apply For SEFCU?

Written by:

Chris L.

Last updated:

May 16, 2020

SEFCU provides all the benefits of traditional banking whilst also using time-saving services like online Text Banking, and over 55,000 Fee-Free ATMs. Create your financial wellness with over lower interest rates on your loans and higher interest rates on your savings.  

Membership

Membership to SEFCU is sought after because of the excellent interest rates on loans and savings accounts. To be eligible  you need to meet at least one of the below criteria:

  • Employee, student or member of A-L
  • Employee, student or member of M-Z
  • Live, work or worship in City of Albany, City of Binghamton, City of Buffalo, City of Cohoes, City of Lackawanna, City of Mechanicville, City of Rensselaer, City of Schenectady, City of Syracuse, City of Troy, Town of Nanticoke, Town of Amherst, Town of Barker, Town of Barton, Town of Berkshire, Town of Binghamton, Town of Candor, Town of Colesville, Town of Conklin, Town of Dickinson, Town of Green Island, Town of Kirkwood, Town of Lisle, Town of Maine, Town of Nichols, Town of Richford, Town of Sanford, Town of Spencer, Town of Triangle, Town of Union, Windsor, City of Watervliet, City of Amsterdam, Otsego
  • Have an immediate family member who is an employee, student of member of A-L
  • Have an immediate family member who is an employee, student of member of M-Z
  • Have an immediate faimily member who lives, works, worships or attends school in City of Albany, City of Binghamton, City of Buffalo, City of Cohoes, City of Lackawanna, City of Mechanicville, City of Rensselaer, City of Schenectady, City of Syracuse, City of Troy, Town of Nanticoke, Town of Amherst, Town of Barker, Town of Barton, Town of Berkshire, Town of Binghamton, Town of Candor, Town of Colesville, Town of Conklin, Town of Dickinson, Town of Green Island, Town of Kirkwood, Town of Lisle, Town of Maine, Town of Nichols, Town of Richford, Town of Sanford, Town of Spencer, Town of Triangle, Town of Union, Windsor, City of Watervliet, City of Amsterdam, Otsego

To apply for membership you must have have your government issued ID, current drivers license, or state-issued non-driver ID, Social Security Number and Account information, routing number and email address.

About SEFCU Credit Union

  • CREDIT UNION NAME: STATE EMPLOYEES
  • CHARTER NUMBER: 51
  • CREDIT UNION TYPE: FCU
  • CREDIT UNION STATUS: Active
  • CORPORATE CREDIT UNION: No
  • CREDIT UNION CHARTER YEAR:1934
  • CURRENT CHARTER ISSUE DATE: 01/01/1934
  • DATE INSURED: 08/20/1971
  • REGION: 1 - Eastern
  • FIELD OF MEMBERSHIP TYPE: Multiple common bond - primarily federal, state, local government
  • LOW INCOME DESIGNATION: Yes
  • MEMBER OF FHLB: Yes
  • ASSETS: $4,055,933,276
  • PEER GROUP: 6 - $500,000,000 and greater
  • NUMBER OF MEMBERS: 349,654

Main office

  • ADDRESS: 575 Broadway
  • CITY, STATE ZIP CODE: Albany, NY 12207
  • COUNTRY: United States
  • COUNTY: Albany
  • PHONE: 800-727-3328
  • WEBSITE: http://www.sefcu.com
  • CEO/MANAGER:Michael J Castellana

SEFCU offers low interest rates, but is your credit score high enough?

Whether you're applying for an auto, mortgage, or personal loan, SEFCU has extremely competitive rates.

The problem? You need good credit; really good credit (if you want your best rates).

Your first step to determine if you're eligible for top-tier rates is to pull your Credit Report. You can review your Credit Report and find every inaccurate (and can potentially get removed), or contact a Credit Repair company, like Credit Glory, to walk you through that entire process.

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One of the best ways (but not the only way), you can remove these inaccurate, negative items is to speak with a Credit Specialist that can walk you through how you can fix your credit (and get your best loan rates).

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Credit Glory is your best option to get these errors fixed. They can even help remove other bad marks from your report, like collections accounts.

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