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Skip to main content Routing Number 221373383 Resources/Rates Atm/Branch Locator Online Banking User ID Forgot Login Password Forgot Password Sign Up Submit Search Banking Banking Features Deposit checks on the run Free of charge ATMs anywhere you go More features Mega Menu Blocks: Banking Menu Banking Menu Checking Accounts Checking Accounts Really Free Checking Campus Connect Overdraft Protection Services SEFCU Debit Mastercard® Savings Accounts Savings Accounts Mint Savings Boomer Club Smart Sense Savings Owner’s Choice Holiday Club Personal Health Savings Account (HSA) Preferred Savings Preferred Plus Savings UTMA Youth Accounts Youth Accounts Campus Connect Smart Sense Savings UTMA Coverdell Education Share Certificate Smart Sense Share Certificate School Banking Program SEFCU Scholarships Business Savings Business Savings Accounts Mint Savings Preferred Savings Preferred Plus Savings Employer HSA Retirement Plans Business Accounts Business Accounts Business Checking SEFCU Business Debit Mastercard® SEFCU Business Mastercard® SEFCU World™ Business Mastercard® Business Overdraft Protection Services Employee Retirement Plans Employee Retirement Plans SIMPLE IRA Plan Individual 401(k) Plan Company 401(k) Plan Share Certificates Share Certificates Fixed-Rate Share Certificates Risk-Free Fixed-Rate Share Certificate Smart Sense Share Certificate Coverdell Education Share Certificate Credit Cards Mega Menu Blocks: Credit Card Menu Credit Card Menu Personal Credit Cards Personal Credit Cards SEFCU Lightning Credit Card® SEFCU Mastercard® Credit Card SEFCU World™ Mastercard® Credit Builder Credit Card Business Credit Cards Business Credit Cards SEFCU Business Mastercard® SEFCU World™ Business Mastercard® SEFCU Mastercard® Business Cards Comparison Loans Mega Menu Blocks: Loans Menu Loans Menu Home Equity Mortgages & Home Equity Mortgage Loans Reverse Mortgage Mortgage Refinancing Fixed-Rate Home Equity Loan Fixed-Rate Home Equity Line of Credit Variable-Rate Home Equity Line of Credit Personal Loans Personal Loans & Lines of Credit Personal Loan Personal Line of Credit Share Secured Loan Private Student Loan Consolidated Student Loan Vehicle Loans Vehicle Loans New Car & Motorcycle Loan Used Car & Motorcycle Loan Auto Advantage New Boat & RV Loan Used Boat & RV Loan New Sportscraft Loan Used Sportscraft Loan Auto-Buying Services Business Loans and Lines of Credit Business Loans and Lines of Credit Loans and Lines of Credit Minority and Women-Owned Business Enterprises (MWBE) Bridge to Success Loan Program Specialized Loan Programs Insurance Education Community Services Mega Menu Blocks: Services Menu Services Menu Banking Features Business Banking Features Self Service Menu Auto Buying Services Video Teller Machine (VTM) - Digital Branch SEFCU Wealth Management Services SEFCU Home HOME We’ve been voted the Best for 14 straight years. Click here to see how we are thanking you! COVID-19 (coronavirus) updates and Relief Program information - Last updated 9/15/2020 Become a member today Remote Banking Options Click here for details We're changing lives every day. How can we change yours? I'm new here buying a home buying a car pursuing a degree starting a business planning for young kids planning for retirement new here buying a home buying a car pursuing a degree starting a business planning for young kids planning for retirement Welcome to sefcu.com! We're changing lives every day. How can we change yours? Welcome! We’re glad to meet you. Why do so many people join SEFCU? We think it’s because we look out for our members and community, helping them make their dreams possible. Save Time and Money Tools Really Free Checking makes banking a breeze. View Really Free Checking , Get the Credit You Deserve Tools Be rewarded for shopping and paying bills. See credit cards , Need a Car Loan? Tools Take a look at our low auto loan rates. See car loans DID YOU KNOW? You don’t have to work for the state to be a member. If you can check one of these boxes, you’re eligible for membership! Employee (current or retired), member or volunteer of a participating SEFCU member group Live, work, attend school or worship in one of our communities Someone in your immediate family* is a SEFCU member or qualifies for membership *Defined as parent, grandparent, spouse, child, grandchild, sibling, stepparent, stepsibling, stepchild, and adoptive relationships. Join SEFCU COMMUNITY We're committed to changing lives every day. Join us making a difference for friends and neighbors. Get Involved Tackling Hunger We’re fighting hunger with the Freight Farm, which could help grow 36,000+ heads of lettuce/year to be distributed to those in need. Fun with a Purpose Our annual Monopoly ® tournament raises money for the Center for Disability Services, where people get better at life™. 25 Years of Bowling for Kids Together, we’ve raised $400,000 for Big Brothers Big Sisters, creating life-changing relationships for “littles”. Previous Next CALENDAR Get involved in local events. From annual fundraisers to weekly seminars, check out upcoming seminars and events near you. See All Events Events Slick -- Seminar All Regions Heroes with Heart: Making Financial Decisions to Create a Positive Social Impact Recommended for ages 9 - 12 Create a heart map as you explore your own passion and drive to make a positive social impact. Apply elements of math and art to make informed financial decisions while following your passion. Discuss trade-offs and budgeting and share ideas and solutions for real-world challenges. To create the optimal experience, each session is limited to 100 participants. This online webinar is also available for private coordination for schools, groups, businesses and community organizations. Please contact [email protected] to learn more. Please choose a date and time: Tuesday, September 1: 12:00 p.m. - 1:30 p.m. Register Tuesday, September 29: 12:00 p.m. - 1:30 p.m. Register Tuesday, October 27: 12:00 p.m. - 1:30 p.m. Register See all seminars Online Live Webinar Seminar All Regions Open a Checking or Savings Account: How to Start or Rebuild Personal Banking Recommended for ages 14+ Familiarize yourself, family, or friends with the benefits of using a bank or credit union, how you can open an account, features of a checking versus a savings account, and benefits to having a personal bank account. Explore eligibility requirements, challenges that may arise when opening an account, and key questions to ask a financial institution prior to opening an account. To create the optimal experience, each session is limited to 100 participants. This online webinar is also available for private coordination for schools, groups, businesses and community organizations. Please contact [email protected] to learn more. Please choose a date and time: Wednesday, October 14: 6:30 p.m. - 7:15 p.m. Register Monday, October 26: 12:00 p.m. - 12:45 p.m. Register Tuesday, October 27: 4:00 p.m. - 4:45 p.m. Register See all seminars Online Live Webinar News All Regions Farming With a Purpose During COVID-19 This is a difficult time for so many in our community and with massive layoffs, many people in the Capital Region are turning to food pantries more than ever to feed themselves and their families. In the month of March, the SEFCU Freight Farm responded to this growing need. Our Freight Farm , which has been in operation since early 2018 at the corporate office at 700 Patroon Creek Blvd in Albany, regularly donates about half of its produce to organizations that have weekly pickups such as the Food Pantries for the Capital District. But in March when SEFCU sent many of its staff to work from home, the produce from our Freight Farm went solely to non-profits instead of the hybrid model of feeding staff and the community that we have followed since beginning community donations. /Farming-With-a-Purpose-During-COVID-19 Seminar All Regions Navigating Retirement with GPS: Growing, Protec...