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Overview / Commentary
315-343-7822
90 E Bridge St
Oswego, NY 13126

Oswego County Federal Credit Union is headquartered in Oswego and is the 90th largest credit union in the state of New York. It is also the 1,826th largest credit union in the nation. It was established in 1975 and as of December of 2017, it had grown to 34 employees and 11,973 members at 4 locations. Oswego County Federal Credit Union's money market rates are 25% 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
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 Chartered1975
Employees34
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD8.46%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$78.8MM$74.7MM
LoansQ4 2017vs Q4 2016$66.2MM$61.2MM
DepositsQ4 2017vs Q4 2016$72.3MM$67.3MM
Equity CapitalQ4 2017vs Q4 2016$6.4MM$5.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$503.00K$489.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.3MM$1.3MM
Real Estate OwnedQ4 2017vs Q4 2016$59.00K$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.

Oswego County Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$250k*-Money Market Account
OTHER TIERS: 0.30% $2,500 - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k | 0.45% $50k - $100k | 0.50% $100k - $250k

Oswego County Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 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

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