SEFCU Credit Union Review
SEFCU is a not-for-profit credit union serving New York’s Capital Region with fee-free checking and high-yield savings.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | SEFCU Free Checking | No monthly fee |
Savings: | SEFCU Savings | 18.00% APY |
Credit: | SEFCU Cash Back Visa | 1.25% cash back |
Mortgage: | 30-Year Fixed | 3.50% interest rate |
Fee Rating
2.9/5
Lower is better
FDIC Insured
No
Digital Banking
4.2/5
Online & Mobile Experience
Branch Network
11
Physical Locations
Key Features
- No-fee accounts; member focus.
Bank Information
Routing Number
221381116
SWIFT Code
SEFCUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-836-7728
Mon–Fri 8am–6pm ET
Headquarters
Schenectady, NY, USA
Years in Business
91 years (Est. 1934)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
SSL; auto‑logout
Login Instructions
Enter member # & password → verify
Login Help
Call customer service: 1-800-836-7728
Hours: Mon–Fri 8am–6pm ET
Products & Services
Accounts & Products
Checking
SEFCU Free Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$25
ATM Fee
$1.5
Savings
SEFCU Savings
APY
$18.00%
Annual Earnings
$18.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
SEFCU Cash Back Visa
Annual Fee
$0
Cash Back
$1.25%
APR Range
$13.49% - 23.49%
Network
$Visa
Mortgage
30-Year Fixed
Interest Rate
$3.5%
APR
$3.625%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$50,000
Max Loan Amount
$600,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with SEFCU Credit Union?
Visit their website to explore account options and start your application