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Oswego County Federal Credit Union

Popular Accounts at this Credit Union

0.50%1-year CD12 Month CD
0.25%SavingsSavings Account
0.85%3-year CD36 Month CD

Overview / Commentary
90 E Bridge St
Oswego, NY 13126

Oswego County Federal Credit Union is headquartered in Oswego and is the 89th largest credit union in the state of New York. It is also the 1,840th largest credit union in the nation. It was established in 1975 and as of June of 2017, it had grown to 32 employees and 12,347 members at 4 locations. Oswego County Federal Credit Union's CD rates are 11% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Oswego County.
See current membership details


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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. Oswego County Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #21927
Year Chartered1975
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD10.88%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$79.6MM$71.7MM
LoansQ2 2017vs Q2 2016$61.9MM$58.1MM
DepositsQ2 2017vs Q2 2016$73.3MM$65.9MM
Equity CapitalQ2 2017vs Q2 2016$6.2MM$5.7MM
Loan Loss AllowanceQ2 2017vs Q2 2016$471.00K$445.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.4MM$1.1MM
Real Estate OwnedQ2 2017vs Q2 2016$59.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oswego County Federal Credit Union Savings Account Rates

5.00%$100$2,500Round Up Savings Account
0.25%*$10k*-Savings Account
OTHER TIERS: 0.15% $100 - $2,500 | 0.20% $2,500 - $10k
0.25%*$10k*-IRA Savings Account
OTHER TIERS: 0.15% $100 - $2,500 | 0.20% $2,500 - $10k

Oswego County Federal Credit Union CD Rates

1.36%--36 Month Platinum Plus CD
1.31%--24 Month Platinum Plus CD
1.00%--12 Month Platinum Plus CD
0.90%--6 Month Platinum Plus CD
0.85%--36 Month CD
0.80%--24 Month CD
0.50%--12 Month CD
0.40%--6 Month CD

Oswego County Federal Credit Union Locations
Branch Office5800 Scenic AveMexico, NY 13114
Branch Office90 E Bridge StOswego, NY 13126
Branch Office300 W 1st StOswego, NY 13126
Branch Office707 s 4th stFulton, NY 13069