G.P.O. Federal Credit Union

Overview / Commentary
4311 Middle Settlement Rd
New Hartford, NY 13413

G.P.O. Federal Credit Union is headquartered in New Hartford and is the 37th largest credit union in the state of New York. It is also the 775th largest credit union in the nation. It was established in 1978 and as of June of 2021, it had grown to 87 employees and 34,448 members at 7 locations. G.P.O. Federal Credit Union has an A health rating.

Field of Membership Restrictions

GPO Federal Credit Union is open to those who live, work, worship, or attend school in the New York counties of Fulton, Hamilton, Herkimer, Madison, Montgomery, Oneida or Otsego. Employees/retirees of 150+ SEGs also qualify for membership, as do immediate family members of current GPO members.
See current membership details

Related Posts

GPO Federal Credit Union (NY) Short-Term CDs Have Top Rates - 8/13/2021

GPO Federal Credit Union (New York) 12-month and 24-month Choice Share Certificates have very competitive rates. $1k minimum opening deposit, with no stated balance cap.

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Reviews (2)

Good Service, Bad Website

Posted by: |

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  The online banking website is very out of date and could easily be mistaken as being from the mid 1990's.  Furthermore, I've had trouble with it not accepting my password after a while and then locking me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

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 Grade Components

NCUA #22931
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD1.49%
Return on Equity - YTD15.77%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$414.4MM$353.1MM
LoansQ2 2021vs Q2 2020$215.0MM$188.0MM
DepositsQ2 2021vs Q2 2020$372.1MM$317.2MM
Equity CapitalQ2 2021vs Q2 2020$38.9MM$33.0MM
Loan Loss AllowanceQ2 2021vs Q2 2020$2.2MM$2.7MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$418.00K$594.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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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

0.25%$50-Share Savings
0.25%$50-Loan Payment Share Savings
0.25%--Kids' Cash Savings
0.25%$50-Christmas Club
0.25%$50-Vacation Club
0.25%$50-Special Purpose Club

G.P.O. Federal Credit Union Money Market Rates

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

G.P.O. Federal Credit Union CD Rates

1.10%$1k-60 Month Member Choice Share Certificate
0.95%$1k-48 Month Member Choice Share Certificate
0.90%$1k-36 Month Member Choice Share Certificate
0.85%$1k-24 Month Member Choice Share Certificate
0.80%$1k-12 Month Member Choice Share Certificate
0.80%$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

1.10%$1k-60 Month IRA Certificate
1.10%$500-60 Month Education IRA Certificate
0.95%$1k-48 Month IRA Certificate
0.95%$500-48 Month Education IRA Certificate
0.90%$1k-36 Month IRA Certificate
0.90%$500-36 Month Education IRA Certificate
0.85%$1k-24 Month IRA Certificate
0.85%$500-24 Month Education IRA Certificate
0.80%$1k-12 Month IRA Certificate
0.80%$500-12 Month Education IRA Certificate

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

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