What are the current interest rates at Sidney Federal S&L?

Current rates for Sidney Federal S&L include: 12-Month CD: 3.50%

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Sidney Federal S&L Rates & Review June 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 22, 2026

Sidney Federal S&L's 6-Months 6-Month CD rates are at 3.60%, 12-Months 12-Month CD rates are at 3.50%. MonitorBankRates evaluates the financial stability of Sidney Federal S&L with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.92%. Rates were last updated on 06/22/2026.

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.

Overall Health & Safety Grade

B-

Adequate Health Score: 81/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

23.92%

Good Higher than avg

Sidney Federal S&L

1045 10th Ave
Sidney, NE 69162

https://www.sidneyfederal.com

Sidney Federal S&L CD Rates

Product	Rate	APY	Term
6 Month CD	-	3.60%	6 months
No additional details. Last Updated 06/22/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.92%
12 Month CD	-	3.50%	12 months
No additional details. Last Updated 06/22/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.92%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates 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 & Assets

B-

Overall Health Grade Score: 81/100

4.3

Excellent 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 Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Sidney Federal S&L

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.