Featured Savings Rates
Featured Accounts

G.P.O. Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.65%5-year CD60 Month Member Choice Share Certificate
0.70%1-year CD12 Month Easy Start Share Certificate
0.25%SavingsLoan Payment Share Savings

Overview / Commentary
800-822-5476
4311 Middle Settlement Rd
New Hartford, NY 13413

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 870th largest credit union in the nation. It was established in 1978 and as of March of 2016, it had grown to 67 employees and 28,234 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

Reviews (2)

Good Service, Bad Website

Posted by: hillma97 | Mar 9, 2011

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  The online banking website is very out of date and could easily be mistaken as being from the mid 1990's.  Furthermore, I've had trouble with it not accepting my password after a while and then locking me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

Posted by: thomas | Feb 8, 2013

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.



Health
B+

Health Grade Components

Overall
NCUA #22931
Year Chartered1978
Employees67
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD8.92%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$239.6MM$219.1MM
LoansQ1 2016vs Q1 2015$150.9MM$135.7MM
DepositsQ1 2016vs Q1 2015$214.2MM$193.9MM
Equity CapitalQ1 2016vs Q1 2015$23.0MM$22.6MM
Loan Loss AllowanceQ1 2016vs Q1 2015$3.9MM$1.1MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$4.6MM$804.00K
Real Estate OwnedQ1 2016vs Q1 2015$360.00K$0
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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
Locations


G.P.O. Federal Credit Union Locations
Branch Office2711 Genesee StUtica, NY 13501
Branch Office1000 Oneida Plaza DrOneida, NY 13421-2672
Branch Office39 N Main StDolgeville, NY 13329-1338
Branch Office3 Central PlzIlion, NY 13357-1701
Branch Office301 Bleecker StUtica, NY 13501
Branch Office4311 Middle Settlement RdNew Hartford, NY 13413
Branch Office8585 State Route 28Barneveld, NY 13304