New York State Department of Financial Services extends grace periods for certain property/casualty insurance policies.  If you are an individual or small business and can demonstrate financial hardship as a result of the coronavirus pandemic.  
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New York State Department of Financial Services extends grace period and give you other rights under life insurance policy or annuity contract if you can demonstrate financial hardship as a result of the coronavirus pandemic.  Read more.


As we continue to monitor the spread of COVID-19 (coronavirus), the health and safety of our policy holders and staff is our top priority. Based on recommendations from the CDC (Center for Disease Control) as well as the recommendations from the New York State Governor,  SEFCU Insurance Agency has made the decision to temporarily close our offices located at 469 State Street, 3rdFloor, Schenectady and 297 Main Street, Schoharie beginning Friday, March 20th until further notice. 

This temporary closure affects SEFCU Insurance Agency offices ONLY. 

During this time of uncertainty, you can rest assured knowing that SEFCU Insurance Agency will continue to meet the needs of our customers. Agents are available by phone as well as email to service your policies, offer quotes, and answer any of your questions. We will not be staffing our offices or accepting premium payments in person.

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7 Energy Saving Tips for Winter

Nov 17th, 2017

With the winter months quickly approaching, now is the time to make some small changes to your home to reduce energy costs. Consider these easy tips to help with your energy bill this winter.

Adjust your thermostat
Decrease your thermostat by 10 to 15 degrees at night or when you’re not home to save on your heating bills. A programmable thermostat can also make it easy to manage the temperature in your home for maximum efficiency.

Seal air leaks
Use caulk or weather stripping to seal air leaks around doors and windows to keep the heat in. You can also use thick, plastic film to seal the inside of your windows during the cold months.

Lower holiday lighting costs
Use LED holiday lights which use at least 75 percent less energy and last 25 times longer than traditional lighting. LED lights are also less resistant to breakage which makes them a safer alternative.

Use the sun for heat
During the day open your curtains on your south-facing windows to bring extra heat into your home. You can also use thick curtains that can help to keep in the heat when the sun goes down.

Maintain your furnace
Check your furnace filter monthly and replace it when it’s dirty. Keeping your furnace and vents maintained can reduce your energy costs significantly. Also be sure to keep your vents clear of furniture or appliances.

Add moisture to the air
The inside of your home can become dry during the winter months. By adding a humidifier to your home you can add moisture to the air making it feel warmer and more comfortable.

Use your ceiling fans
By reversing your ceiling fans so they spin clockwise, you can have more control over ventilation. Adjusting your ceiling fan to spin clockwise on a low setting will help to gently push the warm air down.

In addition to these energy savings tips, be sure to get an insurance checkup to ensure you’re getting the right insurance at the best rate. Visit sefcuinsuranceagency.com/quote or call 888-250-6689
for a free no-obligation quote! 

For more information or to obtain a free, no-obligation quote please call our team at 518-786-9905 or 888-250-6689 (toll free).