Last Updated: 01/21/2026
Sidney Federal Credit Union Platinum Checking
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10% - 3.04%(Verified 09/25/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
Sidney Federal Credit Union Platinum Checking Review
The Sidney Federal Credit Union Platinum Checking is offered by Sidney Federal Credit Union, a credit union founded in 1949 and based in Sidney, NY. Sidney Federal Credit Union Platinum Checking is available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Up to 3.04% annual percentage yield (APY). This account offers an annual percentage yield of up to 3.04%, which is much higher than the average for the checking accounts that we track However, you must keep a minimum balance of $100000.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Large minimum initial deposit. You need a minimum deposit of $100,000 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
- No ATM fees. Sidney Federal Credit Union Platinum Checking does not charge fees on ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Sidney Federal Credit Union mobile or online banking.
Sidney Federal Credit Union Platinum Checking Pros & Cons
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Sidney Federal Credit Union Platinum Checking FAQ
Are checking accounts from Sidney Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Sidney Federal Credit Union Platinum Checking offer?
Sidney Federal Credit Union Platinum Checking offers an APY starting at 0.10% and ranging up to 3.04% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $100000.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.10% - 3.04% |
What are the account minimums for Sidney Federal Credit Union Platinum Checking?
Sidney Federal Credit Union Platinum Checking requires a minimum initial deposit of $100,000.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $100,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $100,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Sidney Federal Credit Union Platinum Checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Sidney Federal Credit Union Platinum Checking offer?
This account includes the following features:
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Sidney Federal Credit Union Platinum Checking allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Sidney Federal Credit Union Platinum Checking?
The customer support email for Sidney Federal Credit Union Platinum Checking is cuonline@sidneyfcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 4:30PM
Saturday
9:00AM - 12:00PM