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Frequently Asked Questions

Credit Union Information

Your go-to resource on all-things Sperry Associates Federal Credit Union (Sperry)!


What is the Difference Between a Bank and Credit Union?

Credit unions are financial institutions that are comprised of member-owners. Each credit union is funded by shares purchased by its members, and the purchase of a share allows the member to become an owner with the right to vote. Unlike big banks, credit unions like Sperry don't answer to shareholders - allowing us credit unions to reward their members with higher returns on deposit products and lower rates on loans.

To make things even better - our friendly staff are all local Long Islanders, just like you! At Sperry, all deposits are federally insured up to $250,000 per individual depositer by the National Credit Union Administration, a U.S. Government agency.


Do I Qualify for Sperry Membership?

If you live, work, worship, attend school, volunteer, or conduct business in Nassau County, or if a member of your household or immediate family is an existing member of Sperry Associates FCU, then you are eligible to join Sperry.


Why does Sperry have a "field of membership"?

Credit union membership is limited to a group, or multiple groups, each defined in the each credit union's charter, and each of which have a common bond of occupation or association or are located within a well-defined neighborhood, community, or rural district. Sperry's field of membership is related to Nassau County.


How Do I Become a Sperry Member?

It's easy! Just CLICK HERE to begin. Or stop into our branch in the heart of Nassau County in Garden City Park, New York - and a friendly Sperry member services representative will be happy to help you.


Can I Refer A Friend to Sperry?

Yes you can! In fact as a member, you can earn $50 for each successful referral you make to the credit union as long as they qualify for membership and meet the account usage requirements. For more information about our Refer-A-Friend program, call us at 1-800-676-5512!


Who is the NCUA?

The National Credit Union Administration, or NCUA, is the independent federal agency created by the United States Congress to regulate, charter, and supervise federal credit unions.


What does it mean that "savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government"?

Federally insured credit unions offer a safe place for you to save your money, with deposits insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) is the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Like the FDIC's Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. 

Deposits at all federal credit unions and the vast majority of state-chartered credit unions are covered by NCUSIF protection. Not one penny of insured savings has ever been lost by a member of a federally insured credit union!

For additional questions about NCUA’s share insurance coverage, call 1.800.755.1030, option 1 or send an email to

You can also visit for more information.

General Banking

What is Sperry's Routing Number?

Sperry's routing/ABA number is 221475773. You can always find this number on the bottom of our website in the lower right-hand corner.


Why Do I Have to Deposit $5.00 Into a Savings Account to Join?

A deposit of $5.00 into your shiny new Sperry savings account allows you to gain membership with Sperry Associates FCU.

Your Sperry membership allows you access to lower rates and higher returns we proudly offer.


I Have Access to Sperry's Online Banking, But Can't Login with my Credentials. What's Going On?

To ensure the safety and security of your Sperry accounts, credentials on our online banking service reset after 6-months of inactivity. You can call us and we'd be happy to help get you back online!


Why Am I Unable to Make a Transfer From My Sperry Savings Account?

It's likely you've hit the Federal limit on allowed transfers per month, which is six (6). Under "Regulation D" as it's commonly called, no more than six such transactions per statement period may be made from an account by various "convenient" methods, which include checks, debit card payments, and automatic transactions such as automated clearing house transfers or electronic bill payment.


How Can I Access My Sperry Statements Prior to the Two (2) Year Period Online?

We encourage our members to save/print their Sperry statements every month. If you'd like to access your statements, you can come into our branch and request them. There is a fee per-statement.


How Can I Get My Sperry Member Number?

That's easy! You can request your member number on our site here.


What Makes An Account Go Dormant?

Simply put, a lack of use. In more detail, accounts go dormant when no activity occurs in your account for more than one year, at which time a dormancy fee will be incurred. Additionally, after three years, state law requires that the property in your account may be subject to transfer to the appropriate state authority ("escheatment"). If this occurs, you must contact the state to recover your escheated funds. For more information about this, be sure to check out our Member Agreements and Disclosures. 


How is My Interest Compounded?

For all dividend-bearing accounts, dividends will be earned daily for each day on which your balance exceeds the minimum balance requirements (if there is any!) on your account. For all dividend-bearing accounts, the divident period is monthly, and dividends will be compounded and credited to your account monthly.


What Are Sperry's Hours of Operation?

On Monday through Thursday, we're open from 9 AM to 4:30 PM. On Fridays, we're open 9 AM to 6:30 PM.

On Saturday, we're open 9 AM to 1 PM, and are closed on Sunday. As a financial institution, we are closed on all federal holidays. 


Where Can I Find A Sperry ATM?

Since Sperry is a proud member of the Co-Op network, you have access to nearly 30,000 ATMs nationwide. To find an ATM, click here.


If I Am Travelling, How Can I Set Up A Travel Alert On My Sperry Debit Card?

Travel alerts tell us that you will be using your Sperry cards in places you don't typically use them. You can call us at 1-833-809-9986 | Transfer ext. 1532. to set up alerts on both your debit and credit cards.

Have a safe trip - take a bunch of pictures (we love pictures)!


Where Can I Find Sperry's Fee Schedule?

You can find our Fee Schedule right here.


Where Can I Get Support for My Sperry Debit Card?

You can call Sperry's 24/7 support line for a variety of things, including for:

Card Activation/PINs: 1-800-567-3451
Lost/Stolen Card/Questions/Travel Alerts: 1-833-809-9986 | Transfer ext. 1532
Dispute Transactions: 1-833-809-9987 | Transfer ext. 1531

In addition, we're proud to offer CardValet, which allows our members to better protect and manage their Sperry VISA Check (debit) Card right in the palm-of-your-hand. Download the CardValet Mobile App here - It's available in the Apple and Google Play stores.


Banking with Sperry On-The-Go


Do You Have a Sperry Mobile App?

Yes we do - and it's awesome! Not only is our award-winning mobile banking app easy to use, it's available for both Android and Apple devices.

You can download the app for Google Play, Android devices here.

You can download the app for Apple iOS devices, here.

Need help setting up your SAFCU online banking and mobile app? Call us at 1-800-676-5512.


Can I Deposit Checks On Your App?

Of course! Here's how.

  1. Open Sperry FCU’s Mobile Banking App on your Smartphone or Tablet
  2. Click on “Deposit Checks”
  3. Click on “To” and select which one of your Sperry FCU accounts you would like to deposit the funds into
  4. Then enter the sum of funds you are depositing into “Amount”. You can deposit multiple checks.
  5. On the back of the check, write "For Mobile Deposit at Sperry"
  6. Now take a picture of the front and then back of your endorsed check using your phone’s camera and it will be deposited directly into your selected account.
  7. The check is processed the same as the ol’ fashioned way - the first $200 becomes available the next business day, and the rest clears later on.

With mobile deposits, keep these points in mind:

- Members can deposit individual checks up to $2,000 on our mobile app.

- We can deposit a total of $5,000 through our mobile app per day.

- Members are allowed to deposit up to $30,000 per month through our mobile app.

If you have any questions, please reach out to us directly!

Are Sperry's Credit Cards Compatible with Apple Pay?

Yup! All of Sperry's consumer credit cards are Apple Pay compatible. Apply Pay is easy and works with the Apple devices you use every day. You can make secure purchases in stores, in apps, and on the web. And you can send and receive money from friends and family right in Messages. 


What is the Shared Branching and the Co-Op Network?

Sperry members have access to over 5,600 shared service centers and at nearly 30,000 surcharge-free ATMs across the country!

On Long Island, you can find a bunch of shared branches (as well as multiple within New York City) and each location allows members to have full access to their Sperry accounts.

You can find shared branch and ATM locations HERE.

With shared banking, credit union members have access to thousands of convenient locations across the country to perform basic transactions. 

You can conduct a range of transactions anywhere you see the CU Service Center Logo, such as:

- Make deposits, withdrawals and transfers

- Use the ATMs surcharge free

- Obtain account histories

- Make loan payments

- Cash checks

- Buy travelers checks and money orders

To conduct transactions at a shared branch, members only need to bring their account number and a valid government-issued photo identification like a state-issued driver’s license or U.S. Passport.


...Check back often - we're always expanding this section!




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