SEFCU member, you’re much more than a customer - you’re an owner. Our members are also shareholders and enjoy all the unique privileges that come with credit union ownership.serves more than 165,000 members through about 30 branches in New York's Capital District region, as well as in Binghamton, Buffalo, and Syracuse. The credit union offers standard products and services such as checking accounts, savings accounts, credit cards, residential mortgages, small business loans, and personal loans, as well as insurance and investment services New York State employees and retirees, employees and volunteers of approximately 800 participating groups, and residents of about 30 New York communities are all eligible to join the member-owned institution.