Sidney Federal Credit Union

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Home Loans

sfcu can help you turn your dreams of home ownership into reality. With our mortgage and home equity loan products, you can purchase, refinance or free up some cash using your home's equity.


sfcu offers fixed and variable rate mortgages for new purchases and refinances with terms up to 20 years. Our mortgages feature low closing costs. Escrow accounts are available.

Home Improvement Loans

Quick, easy loans. Bring in an estimate for your home improvements and in under two weeks you could have money in your pocket for those repairs.

Home Equity Loans

Use money from equity built up in your home to pay off bills, make home improvements, take a vacation, or help out with college tuition. With a standard Home Equity Loan or a Home Equity Line of Credit (HELOC), you can borrow up to 90% of your home's value (minus the balance of your current mortgage).

Homeowners Advantage Mortgages

sfcu joined the secondary market to offer a 30 year mortgage. This mortgage program offers low fixed and variable rates, a longer repayment term and a low down payment option. Ask a loan representative for details about this attractive alternative in mortgage financing.