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 35th largest credit union in the state of New York. It is also the 757th largest credit union in the nation. It was established in 1978 and as of June of 2022, it had grown to 100 employees and 35,992 members at 8 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

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  The online banking website is very out of date and could easily be mistaken as being from the mid 1990's.  Furthermore, I've had trouble with it not accepting my password after a while and then locking me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 - YTD1.11%
Return on Equity - YTD10.98%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$451.1MM$414.4MM
LoansQ2 2022vs Q2 2021$245.3MM$215.0MM
DepositsQ2 2022vs Q2 2021$403.1MM$372.1MM
Equity CapitalQ2 2022vs Q2 2021$45.0MM$38.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.0MM$2.2MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.6MM$418.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for G.P.O. Federal Credit Union are currently being reviewed.


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
Branch Office1701 N James StRome, NY 13440

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.