State Employees Federal Credit Union (SEFCU) of Albany, New York has been operating for more than 80 years, currently from 47 locations. It is a primarily government employee common bond. By number of members, it is the 3rd largest in New York and it has the 7th fastest growing membership in New York. It also is the third largest in the state by assets.
Checking services include no cost share drafts, share certificates with low minimum balance requirements, bill pay services, overdraft protection and overdraft lines of credit. Debit cards, ATMs with no surcharges and prepaid debit cards are available.
For members needing to establish credit, the credit union offers a credit builder program and share-secured credit cards. Financial education and financial literacy workshops are offered.
In addition to automobile loans and other types of credit, SEFCU can do real estate loans, has a first time homebuyer program and can grant interest only or payment option first mortgage loans. Employees can help you with check cashing, international remittances, low-cost wire transfers and money orders. State Employees FCU members may also take advantage of bilingual services, in-school branches, student scholarships and tax refund anticipation loans.
Business and professional services include business share accounts, business loans, indirect business loans, merchant processing services/payment processing, micro business loans, mortgage processing and the credit union is an approved mortgage. Those with other financial, savings, and investment needs will be pleased to find health savings accounts, individual development accounts and insurance/investment products that are offered.
You can visit SEFCU electronically via Internet home banking, phone account access and mobile. Online, you can file membership applications, fill out a loan app, get your account balance, order checks, open a new share account, do loan payments, view transactions, make purchases, make share account transfers, do automatic bill payments, download your account history, get e-Statements and do mobile deposit capture.
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