Business Details
Your Trusted Partner for Financial Solutions in Albany, NY
School System Federal Credit Union has been dedicated to empowering members in the Capital Region with personalized financial solutions. Since our founding, we have focused on providing accessible banking services that help individuals and families achieve their financial goals. Our team of experienced professionals offers a wide range of products, including checking and savings accounts, mortgages, vehicle loans, and credit cards. We prioritize community involvement through initiatives like annual scholarships and local event sponsorships. Our commitment to member satisfaction is reflected in our competitive interest rates, low fees, and convenient banking options.With two full-service branches in Albany and Troy, New York, we ensure easy access to our services. Our digital banking platform allows members to manage accounts securely from anywhere. We maintain partnerships with over 5,500 credit union locations nationwide for shared branching convenience. Our federally insured status through NCUA provides members with added security and trust. We continuously strive to innovate while maintaining the personal touch that defines our credit union.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Vehicle Loans
Credit Cards
Online Banking
ATM Access
Student Loans
Home Equity Loans
Certificate Accounts
Highlights and features
- We offer 5% cash back checking with no category restrictions
- Our mortgage rates start at 5.50% APR with flexible terms
- We provide surcharge-free access to 30,000+ ATMs nationwide
- Our team offers personalized financial guidance since 2005
- We support local communities through annual scholarship programs
Associations and certifications
- NCUA
Services
5% Kasasa Cash Back Checking
Earn up to 5% cash back on debit card purchases with no category restrictions. Qualify with 12 monthly transactions and online banking access. No minimum balance required to earn rewards.
Mortgage Loans
Offering fixed and adjustable-rate mortgages with competitive APRs starting at 5.50%. Special programs for first-time homebuyers and home equity financing options available.
Vehicle Financing
New and used vehicle loans with low rates and flexible terms. Pre-approval options available to strengthen purchasing power at dealerships.
Online Banking
24/7 account access with bill pay, mobile check deposit, and real-time transaction tracking. Free to use with all account types.
ATM Network Access
Surcharge-free access to 30,000+ ATMs nationwide through the Co-Op network. 24-hour availability at branch locations and drive-up facilities.
Questions
What checking account options do you offer?
We offer three checking options: 5% Kasasa Cash Back Checking, 3% Kasasa Cash Checking, and NextStep Analog Checking with no monthly fees.
Do you provide mortgage loan options?
Yes, we offer various mortgage solutions including fixed-rate mortgages, adjustable-rate mortgages, and home equity loans with competitive rates.
How can I access my accounts outside branch hours?
Our members can access accounts 24/7 through online banking, mobile app, or our 24-hour lobby and drive-up ATMs.
Are there surcharges for using out-of-network ATMs?
No, we refund up to $20 monthly in ATM withdrawal fees at any of the 30,000+ surcharge-free Co-Op ATMs nationwide.
What vehicle financing options are available?
We offer financing for new vehicles, used vehicles, and sportcraft with competitive rates and flexible terms for qualified borrowers.
How do I qualify for membership?
Membership requires living, working, worshiping, or studying in Albany, Rensselaer, or Washington Counties, or being related to a current member.
