Oswego County Federal Credit Union

Overview / Commentary
90 E Bridge St
Oswego, NY 13126

Oswego County Federal Credit Union is headquartered in Oswego and is the 79th largest credit union in the state of New York. It is also the 1,683rd largest credit union in the nation. It was established in 1975 and as of June of 2019, it had grown to 38 employees and 12,328 members at 4 locations. Oswego County Federal Credit Union's savings rates are 10X 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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24-Month CD Special, 3.03% APY - 3/31/2019

$1,000 minimum deposit of new money. "If you live, work, worship, or attend school in Oswego County, you are eligible to join our family."


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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 - YTD1.19%
Return on Equity - YTD14.59%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$95.0MM$82.5MM
LoansQ2 2019vs Q2 2018$75.6MM$69.4MM
DepositsQ2 2019vs Q2 2018$86.4MM$75.9MM
Equity CapitalQ2 2019vs Q2 2018$7.6MM$6.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$691.00K$556.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.5MM$1.0MM
Real Estate OwnedQ2 2019vs Q2 2018$0$36.00K
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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%--Round Up Savings Account
0.25%*$10k*-Savings Account
OTHER TIERS: 0.16% $100 - $2.5k | 0.20% $2.5k - $10k
0.25%*$10k*-IRA Savings
OTHER TIERS: 0.16% $100 - $2.5k | 0.20% $2.5k - $10k

Oswego County Federal Credit Union Money Market Rates

1.76%*$100k*$250kMoney Market Account
OTHER TIERS: 0.30% $2.5k - $10k | 1.00% $10k - $25k | 1.26% $25k - $50k | 1.51% $50k - $100k

Oswego County Federal Credit Union CD Rates

3.03%$500-36 Month Platinum Plus CD
2.78%$500-24 Month Platinum Plus CD
2.73%$500-18 Month Platinum Plus CD
2.52%$500-36 Month CD
2.52%$500-12 Month Platinum Plus CD
2.27%$500-24 Month CD
2.27%$25-Lucky Saver Account
2.22%$500-18 Month CD
2.02%$500-12 Month CD
1.51%$500-6 Month Platinum Plus CD
1.00%$500-6 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

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