Oswego County Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	12 Month CD 1.50% - Ally Bank No Penalty 11-Month CD
0.25%	Savings	Savings Account 1.20% - Ally Bank Online Savings Account
0.85%	3-year CD	36 Month CD 1.60% - Ally Bank High Yield 3 Year CD

View all Oswego County Federal Credit Union rates »

Overview / Commentary

www.oswegofcu.org

315-343-7822

90 E Bridge St
Oswego, NY 13126

Oswego County Federal Credit Union is headquartered in Oswego and is the 89^th largest credit union in the state of New York. It is also the 1,840^th 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.
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Health

B

Data as of Q2 2017

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

Health Grade Components

Overall
NCUA #	21927
Year Chartered	1975
Employees	32
Primary Regulator

Profit Margin
Return on Assets - YTD	0.86%
Return on Equity - YTD	10.88%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$79.6MM$71.7MM
Loans	Q2 2017vs Q2 2016	$61.9MM$58.1MM
Deposits	Q2 2017vs Q2 2016	$73.3MM$65.9MM
Equity Capital	Q2 2017vs Q2 2016	$6.2MM$5.7MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$471.00K$445.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$1.4MM$1.1MM
Real Estate Owned	Q2 2017vs Q2 2016	$59.00K$0

Rates

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CD

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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

APY	MIN	MAX	ACCOUNT NAME
5.00%	$100	$2,500	Round 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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Oswego County Federal Credit Union Locations
Branch Office	5800 Scenic Ave	Mexico, NY 13114
Branch Office	90 E Bridge St	Oswego, NY 13126
Branch Office	300 W 1st St	Oswego, NY 13126
Branch Office	707 s 4th st	Fulton, NY 13069