G.P.O. Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 3.10% | 5-year CD | |
| 2.40% | 1-year CD | 2.65% - Barclays 12 Month Online CD |
| 0.25% | Savings | 2.00% - Ally Bank Online Savings Account |
G.P.O. Federal Credit Union is headquartered in New Hartford and is the 42nd largest credit union in the state of New York. It is also the 854th largest credit union in the nation. It was established in 1978 and as of September of 2018, it had grown to 76 employees and 31,339 members at 7 locations. G.P.O. Federal Credit Union's CD rates are 3X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership is open to those who live, work, worship, or attend school in Herkimer County and portions of Oneida County, including the cities/towns of Annsville, Ava, Boonville, Floyd, Florence, Forestport, Marcy, New Hartford, New York Mills, Oneida, Oriskany, Remsen, Rome, Utica, Whitestown, Whitesboro, and Yorkville. Employees/retirees of 150+ SEGs also qualify for membership, as do relatives of current GPO members.
See current membership details
Related Posts
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 The online banking website is very out of date and could easily be mistaken as being from the mid 1990's. Furthermore, I've had trouble with it not accepting my password after a while and then locking me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 Q3 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 22931 |
| Year Chartered | 1978 |
| Employees | 76 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.19% |
| Return on Equity - YTD | 12.58% |
| Annual Interest Income | $7.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $275.8MM$255.0MM |
| Loans | Q3 2018vs Q3 2017 | $174.0MM$169.2MM |
| Deposits | Q3 2018vs Q3 2017 | $246.5MM$227.6MM |
| Equity Capital | Q3 2018vs Q3 2017 | $26.0MM$24.2MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $3.4MM$6.4MM |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $1.4MM$7.0MM |
| Real Estate Owned | Q3 2018vs Q3 2017 | $0$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 | - | Club Accounts |
G.P.O. Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.75%* | $50k* | - | Money Market Savings | ||
| OTHER TIERS: 0.55% → $2k - $20k | 0.65% → $20k - $50k | |||||
| 0.75%* | $50k* | - | Money Market IRA | ||
| OTHER TIERS: 0.55% → $2k - $20k | 0.65% → $20k - $50k | |||||
G.P.O. Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.10% | $1k | - | 60 Month Member Choice Share Certificate | |
| 3.00% | $1k | - | 48 Month Member Choice Share Certificate | |
| 2.80% | $1k | - | 36 Month Member Choice Share Certificate | |
| 2.60% | $1k | - | 24 Month Member Choice Share Certificate | |
| 2.40% | $1k | - | 12 Month Member Choice Share Certificate | |
| 2.40% | $250 | - | 12 Month Kids Only Savings Club Share Certificate | |
| 1.00% | $1k | - | 6 Month Money Market Share Certificate |
G.P.O. Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.10% | $1k | - | 60 Month IRA Certificate | |
| 3.10% | $500 | - | 60 Month Education IRA Certificate | |
| 3.00% | $1k | - | 48 Month IRA Certificate | |
| 3.00% | $500 | - | 48 Month Education IRA Certificate | |
| 2.80% | $1k | - | 36 Month IRA Certificate | |
| 2.80% | $500 | - | 36 Month Education IRA Certificate | |
| 2.60% | $1k | - | 24 Month IRA Certificate | |
| 2.60% | $500 | - | 24 Month Education IRA Certificate | |
| 2.40% | $1k | - | 12 Month IRA Certificate | |
| 2.40% | $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 |