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Oswego County Federal Credit Union


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 75th largest credit union in the state of New York. It is also the 1,600th largest credit union in the nation. It was established in 1975 and as of June of 2023, it had grown to 48 employees and 12,991 members at 6 locations. Oswego County Federal Credit Union's CD rates are 5X 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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Health
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #21927
Year Chartered1975
Employees48
Primary Regulator
Profit Margin
Return on Assets - YTD1.67%
Return on Equity - YTD16.74%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$128.9MM$133.0MM
LoansQ2 2023vs Q2 2022$98.9MM$85.4MM
DepositsQ2 2023vs Q2 2022$114.3MM$119.8MM
Equity CapitalQ2 2023vs Q2 2022$13.0MM$10.9MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$805.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$971.00K$1.2MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Oswego County Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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%--Round Up Savings Account
0.15%*$10k*-Savings Account
OTHER TIERS: 0.04% → $100 - $2.5k | 0.10% → $2.5k - $10k
0.15%*$10k*-IRA Savings
OTHER TIERS: 0.04% → $100 - $2.5k | 0.10% → $2.5k - $10k

Oswego County Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Money Market Account
OTHER TIERS: 0.10% → $2.5k - $10k | 0.15% → $10k - $50k | 0.20% → $50k - $100k

Oswego County Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.58%$500-12 Month CD
4.58%$500-12 Month Platinum Plus CD
2.78%$500-36 Month Platinum Plus CD
2.52%$500-24 Month Platinum Plus CD
2.27%$500-36 Month CD
2.27%$500-18 Month Platinum Plus CD
2.01%$500-24 Month CD
1.76%$500-18 Month CD
1.51%$500-6 Month Platinum Plus CD
1.00%$500-6 Month CD
1.00%$25-Lucky Saver Account
Locations


Oswego County Federal Credit Union Locations
Branch Office5800 Scenic AveMexico, NY 13114
Branch Office90 E Bridge StOswego, NY 13126
Branch Office707 s 4th stFulton, NY 13069
Branch Office179 County Route 64Mexico, NY 13114
Branch Office262 W Seneca StOswego, NY 13126
Branch Office101 Volney STPhoenix, NY 13135

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