G.P.O. Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.85%	5-year CD	60 Month Member Choice Share Certificate 2.25% - Bank of Internet USA 60 Month CD
0.80%	1-year CD	12 Month Member Choice Share Certificate 1.50% - Goldman Sachs Bank USA 12 Month CD
0.25%	Savings	Share Savings 1.35% - CIT Bank Premier High Yield Savings

View all G.P.O. Federal Credit Union rates »

Overview / Commentary

www.gpofcu.com

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 45^th largest credit union in the state of New York. It is also the 866^th largest credit union in the nation. It was established in 1978 and as of June of 2017, it had grown to 66 employees and 29,992 members at 7 locations. G.P.O. Federal Credit Union has a B 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

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 The online banking website is very out of date and could easily be mistaken as being from the mid 1990's. Furthermore, I've had trouble with it not accepting my password after a while and then locking me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

Comment

1

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.

Comment

3

Health

B

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	22931
Year Chartered	1978
Employees	66
Primary Regulator

Profit Margin
Return on Assets - YTD	0.83%
Return on Equity - YTD	8.8%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$255.3MM$242.4MM
Loans	Q2 2017vs Q2 2016	$166.2MM$154.4MM
Deposits	Q2 2017vs Q2 2016	$229.0MM$216.4MM
Equity Capital	Q2 2017vs Q2 2016	$23.6MM$23.4MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$7.0MM$4.3MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$7.7MM$5.1MM
Real Estate Owned	Q2 2017vs Q2 2016	$67.00K$321.00K

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