Sidney Credit Union
Verified rate book
Current Sidney Credit Union rates
20 published offers verified as of August 4, 2026.
Mortgage rates
12 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Loan Type 7/1 ARM7 1 arm | 5.750% APR | 5.750% | — | Standard |
| Loan Type 10/1 ARM10 1 arm | 5.875% APR | 5.875% | — | Standard |
| Loan Type 100% Financing Mortgage 5/1 ARM5 1 arm | 6.000% APR | 6.000% | — | Standard |
| Loan Type 7/1 ARM Vacation Home7 1 arm | 6.250% APR | 6.250% | — | Standard |
| Loan Type Manufactured/ Mobile Home with Land 5/5 ARM5 5 arm | 6.375% APR | 6.375% | — | Standard |
| Loan Type 10/1 ARM Vacation Home10 1 arm | 6.375% APR | 6.375% | — | Standard |
| Type of Loan 1st Mortgageother | 5.750% APR | 5.750% | — | Standard |
| Type of Loanother | 5.875% APR | 5.875% | — | Standard |
| Type of Loan 100% Financing Mortgageother | 6.000% APR | 6.000% | — | Standard |
| Type of Loan Drop My Rate Promotionother | 6.000% APR | 6.000% | — | Standard |
| Type of Loan Vacation & 2nd Homeother | 6.250% APR | 6.250% | — | Standard |
| Loan Type 15/15 First Time Home Buyer Program (100% Financing)other | 6.375% APR | 6.375% | — | Standard |
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Type of Loan New & Used Autos 2027-2024auto_any | 5.090% APR | 5.090% | any | Standard |
| Type of Loan Used Autos 2023-2020auto_used | 5.590% APR | 5.590% | used | Standard |
| Type of Loan Used Autos 2019 - up to 20 years oldauto_used_60mo | 9.840% APR | 9.840% | 60 mo · used | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Type of Loan Kwik Kash Line of Creditploc_variable | 8.990% APR | 8.990% | — | Standard |
| Type of Loan Personal/Unsecured Loanpersonal_unsecured | 9.990% APR | 9.990% | — | Standard |
Other rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Combined Loan to Value (CLTV) 90.01% to 100.00%other | 0.250% % | 0.250% | — | Standard |
| Combined Loan to Value (CLTV) 80.01% to 90%other | 0.250% % | 0.250% | — | Standard |
| Combined Loan to Value (CLTV) 80% or Lessother | 0.500% % | 0.500% | — | Standard |
As of August 4, 2026, Sidney Credit Union offers a 7 1 arm mortgage at 5.75% APR. Auto loans available from 5.09% APR. Personal loan rates from 8.99% APR.
Source: RateAPI.dev, verified from Sidney Credit Union's official website
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About Sidney Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 75.4K
- Assets
- $1.3B
- Founded
- 1949
- Locations reported
- 13
- NCUA charter
- 6011
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Sidney Credit Union
Membership eligibility from Sidney Credit Union's own published criteria. How we verify this.
Community charter: live/work in Chenango, Cortland, Delaware +8 more
- LocationChenango, Cortland, Delaware, Essex, Fulton, Hamilton, Madison, Montgomery, Onondaga, Otsego, Schoharie
Cost to join: About $5.
Verified from Sidney Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Sidney Credit Union?
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Frequently Asked Questions
What rates does Sidney Credit Union offer?
Sidney Credit Union currently offers mortgage, Auto loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Sidney Credit Union rates updated?
RateAPI verifies Sidney Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Sidney Credit Union's rate data?
Rate data is collected directly from Sidney Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Sidney Credit Union's mortgage rate?
As of August 4, 2026, Sidney Credit Union offers a 7 1 arm mortgage at 5.75% APR.
What are Sidney Credit Union's auto loan rates?
As of August 4, 2026, Sidney Credit Union offers auto loans from 5.09% APR.
What is Sidney Credit Union's personal loan rate?
As of August 4, 2026, Sidney Credit Union offers personal loans from 8.99% APR.
Related Rate Data
Compare Sidney Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Sidney Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/sidney" \
-H "Authorization: Bearer YOUR_API_KEY"