SEFCU
SEFCU
1137 Upper Front St
Binghamton, NY 13905
Tel: 518-452-8183
Over 75 years ago, a small group of New York State employees started their own credit union. Today, their creation is more than 156,000 members strong, with over $1.4 billion in assets!
How did we get from there to here?
The answer lies in the way we treat members: with the attention they deserve... It’s the kind of service that helped us grow steadily from our beginnings in 1934—when the very idea of credit unions was still new—to nearly a tenfold increase in membership three decades later.
This dedication to members influenced the way we grew—exponentially—in the 1970s and 1980s. We introduced an array of new services for member convenience: traveler’s cheque's, share certificates, share drafts, overdraft protection, home mortgages and Visa® cards. Our first merger, with Syracuse State Employees Federal Credit Union, brought our brand of service beyond the Capital Region and a recent merger with Niagara Frontier State Employees Federal Credit Union will enable SEFCU to serve the Buffalo region as well.
Today, SEFCU ranks as the largest credit union in the Capital Region—and is among the 70 largest in the country. We serve members in the Capital Region, Binghamton, Syracuse, and Buffalo with 30 branches, over 75 proprietary ATMs, and a staff of more than 500. Demonstrating the credit union philosophy of "people helping people," our employees participate in countless community fundraising activities to benefit children and those in need. We have established branches in such financially underserved neighborhoods as Albany's Arbor Hill and Schenectady's Hamilton Hill and recently received approval to expand our underserved initiatives to Montgomery and Erie Counties.
Perhaps most important, we offer a complete range of financial services, so our members can count on their credit union to meet all their financial needs. It is, after all, what you can expect at SEFCU!
Whether you’re looking to purchase a new home or refinance your existing one – SEFCU makes the process easy! Here, in our online mortgage center, you can access the tools and information you need to find the loan that’s right for you. Compare mortgage types, use online real estate calculators, get pre-qualified online and check out our low loan rates. It’s easy, and it’s fast!
Choose from a variety of SEFCU mortgages:
Traditional Mortgages
Choose between a fixed or adjustable rate traditional mortgage.
Freddie Mac Alt 97
Ideal for first-time homebuyers, with a minimum down payment requirement of just 5%. Get pre-qualified here.
FHA Mortgages
If a traditional mortgage isn’t right for you, FHA may be the answer, especially if your income is limited and you can’t afford a large down payment. Get pre-qualified here.
Construction Loans
Finance a builder's contract with a low adjustable rate. Get pre-qualified here.
Mortgage Match Program
Provides funding for your down payment and closing costs if you qualify.
Community Mortgage Program
First-time homebuyers with limited income can benefit from a lower down payment and closing costs.
Florida Mortgage Program
Looking to buy (or refinance) a home in sunny Florida? Look no further.
Refinancing
Looking for a better rate on your current home mortgage? SEFCU can help!
Copyright© 2005-2009 SEFCU
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