G.P.O. Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.65% | 5-year CD | 60 Month Member Choice Share Certificate 1.85% - Synchrony Bank 60 Month CD |
| 0.70% | 1-year CD | 12 Month Easy Start Share Certificate 1.05% - Ally Bank High Yield 12-Month CD |
| 0.25% | Savings | Loan Payment Share Savings 1.00% - Ally Bank Online Savings Account |
G.P.O. Federal Credit Union is headquartered in New Hartford and is the 46th largest credit union in the state of New York. It is also the 864th largest credit union in the nation. It was established in 1978 and as of June of 2016, it had grown to 65 employees and 28,606 members at 7 locations. G.P.O. Federal Credit Union has a B+ health rating.
Field of Membership Restrictions
Must be an employee of any of their Select Employer Group. Also open to those who live, work, worship or attend school in any of the following areas: City of Utica, Canastota, City of Oneida, Herkimer County, Annsville, Ava, Boonville, Floyd, Florence, Forestport, Marcy, New Hartford, Remsen, Rome or Whitestown (including Yorkville, Whitesboro, New York Mills & Oriskany).
See current membership details
Good Service, Bad Website
I have been a member of GPO FCU for about four years. Overall, their customer service has been more than satisfactory both on the phone and in person. Even when lines are long, they keep them moving so there is little wait compared to other banks and credit unions that I have joined. Employees are professional and knowledgeable. The only real downside I've had with them is their online banking. The online banking website is very out of date and could easily be mistaken as being from the mid 1990's. Furthermore, I've had trouble with it not accepting my password after a while and then locking me out after three failed attempts to log back in. There is no way to recover your password without calling them or visiting a branch, although that's fairly standard for a financial institution. I am an avid user of mint.com as well; GPO is the only financial institution that I continue to have trouble using on Mint, as GPO locks me out of my account after a few days of using it on Mint. For that reason, GPO is the only institution of the six I use for banking, loans, etc that is not currently on my Mint account.
Worst Credit Union I've Ever Dealt With
I was told that credit unions tend to offer better service than banks. That was certainly the case with some credit unions I dealt with in Seattle, such as the Verity Credit Union. So after I moved to the NY state my first thing was to open an account in a neighborhood credit union. Well, it turned out that this GPO credit union was much worse than the big banks. I had multiple issues with them, and their customer service agents were impolite and impatient. Then when I tried to close my account they had several excuses to delay the account closing process. I was too busy to waste more time on the account closing, so I put that thing aside for a year, only to find out that they charged me a "dormant fee" every month. Certainly they have changed my initial good impression about credit unions.
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 22931 |
| Year Chartered | 1978 |
| Employees | 65 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.82% |
| Return on Equity - YTD | 8.42% |
| Annual Interest Income | $4.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $242.4MM$222.3MM |
| Loans | Q2 2016vs Q2 2015 | $154.4MM$141.0MM |
| Deposits | Q2 2016vs Q2 2015 | $216.4MM$196.0MM |
| Equity Capital | Q2 2016vs Q2 2015 | $23.4MM$23.3MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $4.3MM$1.2MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $5.1MM$1.1MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $321.00K$0 |
Always verify rates and promotions with the bank or credit union. We are not G.P.O. Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
G.P.O. Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | $50 | - | Share Savings | |
| 0.25% | $50 | - | Loan Payment Share Savings | |
| 0.25% | - | - | Kids Only Savings Club | |
| 0.25% | $50 | - | Christmas Club Account | |
| 0.25% | $50 | - | Vacation Club Account | |
| 0.25% | $50 | - | Special Club Account |
G.P.O. Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.45%* | $50k* | - | Money Market Savings | ||
| OTHER TIERS: 0.35% → $2k - $20k | 0.40% → $20k - $50k | |||||
| 0.45%* | $50k* | - | Money Market IRA | ||
| OTHER TIERS: 0.35% → $2k - $20k | 0.40% → $20k - $50k | |||||
| 0.45%* | $50k* | - | Money Market Roth IRA | ||
| OTHER TIERS: 0.35% → $2k - $20k | 0.40% → $20k - $50k | |||||
| 0.45%* | $50k* | - | Money Market Educational IRA | ||
| OTHER TIERS: 0.35% → $2k - $20k | 0.40% → $20k - $50k | |||||
G.P.O. Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.65% | $1k | - | 60 Month Member Choice Share Certificate | |
| 1.50% | $1k | - | 48 Month Member Choice Share Certificate | |
| 1.50% | $1k | - | 42 month Share Certificate Special | |
| 1.05% | $1k | - | 36 Month Member Choice Share Certificate | |
| 0.90% | $1k | - | 24 Month Member Choice Share Certificate | |
| 0.90% | $1k | - | 18 Month Share Certificate Special | |
| 0.70% | $1k | - | 12 Month Member Choice Share Certificate | |
| 0.70% | $250 | - | 12 Month Easy Start Share Certificate | |
| 0.70% | $250 | - | 12 Month Kids Only Savings Club Share Certificate | |
| 0.50% | $1k | - | 6 Month Money Market Share Certificate |
G.P.O. Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.65% | $1k | - | 60 Month IRA Certificate | |
| 1.65% | $500 | - | 60 Month Education IRA Certificate | |
| 1.50% | $1k | - | 48 Month IRA Certificate | |
| 1.50% | $500 | - | 48 Month Education IRA Certificate | |
| 1.05% | $1k | - | 36 Month IRA Certificate | |
| 1.05% | $500 | - | 36 Month Education IRA Certificate | |
| 0.90% | $1k | - | 24 Month IRA Certificate | |
| 0.90% | $500 | - | 24 Month Education IRA Certificate | |
| 0.70% | $1k | - | 12 Month IRA Certificate | |
| 0.70% | $500 | - | 12 Month Education IRA Certificate |
| G.P.O. Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 2711 Genesee St | Utica, NY 13501 |
| Branch Office | 1000 Oneida Plaza Dr | Oneida, NY 13421-2672 |
| Branch Office | 39 N Main St | Dolgeville, NY 13329-1338 |
| Branch Office | 3 Central Plz | Ilion, NY 13357-1701 |
| Branch Office | 301 Bleecker St | Utica, NY 13501 |
| Branch Office | 4311 Middle Settlement Rd | New Hartford, NY 13413 |
| Branch Office | 8585 State Route 28 | Barneveld, NY 13304 |