Sidney Federal Credit Union

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Current Rates


sfcu is a community financial institution, but it has the backing of some of the most powerful groups in America, like the National Credit Union Administration. Your savings accounts are insured up to $250,000 by the federal government. And your mortgage and loans are discounted based on how active you are with sfcu.

Loan Rates | Loan Rates (PDF)

Rates and earnings advertised through sfcu's website, ads, and promotions may be subject to change based on account fees.

Loan Rates Calculator

Mortgage Rates | Mortgage Rates (PDF)

Savings Rates | Savings Rates (PDF)


Here’s how a credit union works: We take the money our shareholders invest in us, and re-invest it in their neighbors – in you. When they succeed in life, so do you. So when you invest in a new car — or a boat or college education — we want to give you every chance to make it a success. The rate we can give you will be based on a number of things: collateral, term of repayment, your credit score and any extra deductions we can find for you.

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Interest Rates


Nothing compares to relaxing in your own home. No worries over what color to paint the walls, or hanging a picture of the kids. And if you maintain it well, your house gains in value, and your mortgage becomes a good investment. The mortgage rates we can offer you vary on a number of things, including the purchase price, the size of down payment, your credit rating, and any discounts we can offer you. Keep in mind two things: You will need to pay closing costs and maybe mortgage insurance – but we do everything we can to keep those low; and a mortgage on your primary residence is tax deductible, so you can afford more than you think you can. Our adjustable rate mortgages are guaranteed for a year, and we will never change the new interest rate by more than two percentage points, and never more than seven percentage points through the life of the mortgage.

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Saving is a great game: As long as you play, you win. And the more you play, the more you win. sfcu gives you every way to play: Money markets, Christmas clubs, vacation clubs, basic savings. All your accounts are insured up to $250,000 by the federal government. So you can’t lose!

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APY Rates Disclosure