Oneida County Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.oneidacfcu.org

315-798-5741

800 Park Ave
Utica, NY 13501

Oneida County Federal Credit Union is headquartered in Utica and is the 201^st largest credit union in the state of New York. It is also the 3,413^th largest credit union in the nation. It was established in 1959 and as of March of 2025, it had grown to 3 employees and 1,536 members at 1 location. Oneida County Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to current and former employees of Oneida County, State of New York Courts, Water Board, Municipal Housing Authority, the Villages of Clinton, Yorkville, Waterville, Whitesboro, and New Hartford, the towns of New Hartford and Vienna, the City of Utica, New York Mills, Oneida County Solid Waste Authority, Central New York Abstract Corporation (in the Oneida County Clerk's Office).
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Oneida County Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	13102
Year Chartered	1959
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.49%
Return on Equity - YTD	-4.28%
Annual Interest Income	$114K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$14.6MM$14.9MM
Loans	Q1 2025vs Q1 2024	$4.8MM$5.1MM
Deposits	Q1 2025vs Q1 2024	$12.9MM$13.2MM
Equity Capital	Q1 2025vs Q1 2024	$1.6MM$1.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$44K$31K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$29K$6K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings

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Oneida County Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$0	-	Savings Account
0.25%	$0	-	Club Account

Locations

Oneida County Federal Credit Union Locations
Branch Office	800 Park Ave	Utica, NY 13501

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