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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 GPO Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 4, 2026
GPO Federal Credit Union's 12 Month CD rates are at 4.00%, 12 Month IRA CD rates are at 4.00%, 6 Month CD rates are at 4.00%, 24 Month CD rates are at 3.75%, 24 Month IRA CD rates are at 3.75%. GPO Federal Credit Union's savings rates are at 0.25%. GPO Federal Credit Union's money market rates are at 1.30%. GPO Federal Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of GPO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.86%. Rates last updated and verified on 09/04/2026. GPO Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at GPO Federal Credit Union? Share your experience about GPO Federal Credit Union by leaving a review below, or read customer reviews before you decide to use GPO Federal Credit Union. GPO Federal Credit Union
GPO Federal Credit Union 4311 Middle Settlement Rd
https://www.gpofcu.com New Hartford, NY 13413 
GPO Federal Credit Union CD Rates
GPO Federal Credit Union Savings Rates
GPO Federal Credit Union Money Market Rates
GPO Federal Credit Union Home Equity & HELOC
GPO Federal Credit Union Auto Loan Rates
GPO Federal Credit Union Credit Card Rates
GPO Federal Credit Union Personal Loan Rates
Financial Health HistoryGPO Federal Credit Union’s Texas Ratio rose from 1.14% in Q2 2023 to 1.86% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for GPO Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather GPO Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with GPO Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
GPO Federal Credit Union
Website
https://www.gpofcu.com
Address
4311 Middle Settlement Rd,
New Hartford, NY 13413
Phone
315-724-1654
Fax
315-737-2990
President
Leo Callari
CEO
Nicholas Mayhew
Full-Time Employees
121
Part-Time Employees
1
Branch Locations
8
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.86%
Return on Assets (ROA)
0.2133%
Return on Equity (ROE)
1.8538%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
621,722,350
Total Amount of Shares and Deposits
547,076,323
Total Shares and Deposits < 1 Year
505,040,617
Total Shares and Deposits 1 3 Years
31,941,949
Total Shares and Deposits > 3 Years
10,093,758
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
24,426,872
Total Uninsured Shares and Deposits > $250K (F+J)
24,426,872
Total Insured Shares and Deposits > $250K (item 17 less item K)
522,649,451
Total Interest Expense (Sum of items 6 8)
2,191,025
Share Certificates
5,026
Number of Accounts for Share Drafts
30,245
IRA KEOGH Accounts
1,047
Number of Accounts for Regular Shares
44,358
All other shares
3,421
Money Market Shares
3,062
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
67,604,787
Total Liabilities
550,180,653
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for GPO Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for GPO Federal Credit Union
Frequently Asked Questions About GPO Federal Credit UnionHow many branches does GPO Federal Credit Union operate?GPO Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join GPO Federal Credit Union?Yes, to access services at GPO Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, GPO Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, GPO Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does GPO Federal Credit Union offer online and mobile banking?Most modern institutions like GPO Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gpofcu.com. Current GPO Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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