2. G.P.O. Federal Credit Union

G.P.O. Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.10%5-year CD
2.25% - National Average
2.40%1-year CD
2.75% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.25%Savings
2.25% - Goldman Sachs Bank USA High-yield Online Savings AccountAdvertisement
View all G.P.O. Federal Credit Union rates »

Overview / Commentary
www.gpofcu.com
315-724-1654
4311 Middle Settlement Rd
New Hartford, NY 13413

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

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  The online banking website is very out of date and could easily be mistaken as being from the mid 1990's.  Furthermore, I've had trouble with it not accepting my password after a while and then locking me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

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.

3


Health
A

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #22931
Year Chartered1978
Employees76
Primary Regulator
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD12.58%
Annual Interest Income$7.7MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$275.8MM$255.0MM
LoansQ3 2018vs Q3 2017$174.0MM$169.2MM
DepositsQ3 2018vs Q3 2017$246.5MM$227.6MM
Equity CapitalQ3 2018vs Q3 2017$26.0MM$24.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$3.4MM$6.4MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.4MM$7.0MM
Real Estate OwnedQ3 2018vs Q3 2017$0$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-Club Accounts

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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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
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

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.