|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Sidney Federal S&L Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Sidney Federal S&L's 6-Month CD Special rates are at 3.61%, 12-Month CD Special rates are at 3.51%. MonitorBankRates evaluates the financial stability of Sidney Federal S&L with a 5.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 23.92%. Rates were last updated on 04/17/2026. Sidney Federal S&L money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sidney Federal S&L? Share your experience about Sidney Federal S&L by leaving a review below, or read customer reviews before you decide to use Sidney Federal S&L. 
Sidney Federal S&L CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Sidney Federal S&L is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Sidney Federal S&L rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Sidney Federal S&L's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Sidney Federal S&L
FDIC Certificate #
29379
Address
1045 10th Ave,
Sidney, NE 69162 · Cheyenne
Website
https://www.sidneyfederal.com
Established
01/01/1899
FDIC Insurance Date
08/09/1989
Domestic Offices
1
Total Branches
1
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 88/100
5.0
Exceptional
Out of 5.0 Stars
23.92%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0583%
Return on Equity (ROE)
22.1300%
Non-Performing Loans (NPL)
0.41%
Total Assets
$50,828,000
Total Deposits
$42,938,000
Equity Capital
$7,593,000
Net Income
$500,000
Headquarters
Sidney
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Sidney Federal S&LIs Sidney Federal S&L a safe place to deposit money?Yes, Sidney Federal S&L is considered a safe financial institution. With a Texas Ratio of 23.917995444191%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Sidney Federal S&L operate?Sidney Federal S&L currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Sidney Federal S&L does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Sidney Federal S&L provides members with tools to manage their accounts and build a solid financial history. Does Sidney Federal S&L offer online and mobile banking?Most modern institutions like Sidney Federal S&L provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sidneyfederal.com. Current Sidney Federal S&L Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
West Pointe Bank
Sewickley Savings Bank
Star Bank
Bank Rhode Island
Interstate Bank
Deerwood Bank
The Huntington National Bank
Independent Bank
Northview Bank
Bank of Erath
Bodcaw Bank
Republic Bank of Chicago
City First Bank. N.A.
Quail Creek Bank
Solon State Bank
Citizens State Bank Wisner, NE
The Haverford Trust Company
Community Bank and Trust
Ohio State Bank
Citizens State Bank Hudson, WI
Fitness Bank
|
|||||||||||||||||||||||||
