IMPORTANT BRANCH UPDATES AS OF 1/15/2021:

ALBANY BRANCH TEMPORARILY DRIVE-THRU ONLY – LOBBY ACCESS BY APPOINTMENT ONLY

TROY BRANCH TEMPORARILY DRIVE-THRU ONLY - LOBBY ACCESS BY APPOINTMENT ONLY

With COVID cases on the rise in our communities, please understand that additional closures or changes to our branch availability may be necessary. Please call 518-286-1611 (Troy) or 518-456-1611 (Albany) to check branch availability or to schedule an appointment.

We encourage all members to utilize our night drop, ATM locations, digital banking or to contact us by phone when possible. For further details, please visit www.schoolfcu.com. Thank you for your patience and understanding.


Home Equity Loans

Use the value in your home to finance an education, purchase a new car or make improvements around the house. Whatever the reason, one of the following loans will be perfect for you. SSFCU offers:

  • Fixed Rate Home Equity for up to 83% (or 95% with qualifying criteria) of the appraised value of your home minus unpaid existing mortgage. SSFCU will cover most closing costs (i.e., home appraisal, title search, flood zone determination and credit report fees). Repayment period of 5 to 20 years. *NYS mortgage tax not included. If closed within 3 years, the member will be responsible to reimburse the credit union for closing costs paid on their behalf.
  • Members Choice Home Equity up to 83% (or 95% with qualifying criteria) of the appraised value of your home minus unpaid existing mortgage. Offers the flexibility of a line of credit and the option to lock all or a portion of the line into a fixed rate and payback term. YOU DETERMINE the amount of the option, the length of the repayment term and the repayment method - choose from a 3, 5 or 10 year draw and select a max term of 10, 15 or 20 years. *NYS mortgage tax not included. If closed within 3 years, the member will be responsible to reimburse the credit union for closing costs paid on their behalf. Call for more information on the advantages of Members Choice.


Co-Op Shared Branch

With over 5,000 locations nationwide your credit union will be wherever you decide to go.

Capital Financial Planning LLC

Your source for investment advice, financial plans, wealth management and investment advisory services.

Kasasa Care

Whether you’re looking to get a jump on Open Enrollment or get protection for your belongings or identity, we’re here to do the heavy lifting.

Foreign Currency

Traveling out of the country? Order your foreign currency ahead of time with eZforex.

Learning Center

Browse resources, links and information to help you manage your finances.