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ONEIDA COUNTY Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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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| iEditorial Disclosure
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: March 27, 2026

ONEIDA COUNTY's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of ONEIDA COUNTY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.39%. Rates were last updated on 03/27/2026.

ONEIDA COUNTY 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 ONEIDA COUNTY? Share your experience about ONEIDA COUNTY by leaving a review below, or read customer reviews before you decide to use ONEIDA COUNTY.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.39%
Excellent Lower than avg
Lake City Bank
Oneida County Federal Federal Credit Union
800 Park Ave
Utica, NY 13501
http://www.oneidacfcu.org
Member NCUA

ONEIDA COUNTY Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans - - 7.00% 5-15
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.11%

ONEIDA COUNTY Credit Card Rates

Product Rate APR View More
Visa Credit Cards - 12.00%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.11%

ONEIDA COUNTY Personal Loan Rates

Product Rate APR View More
Personal Loans (Signature Loans) - 10.00%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.11%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for ONEIDA COUNTY 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 ONEIDA COUNTY 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 ONEIDA COUNTY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ONEIDA COUNTY
Website http://www.oneidacfcu.org
Address 800 Park Ave, Utica, NY 13501
Phone 315-798-5741
Fax
President Samuel Trapanick
CEO Rebecca Coyne
Full-Time Employees 3
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.39%
Return on Assets (ROA)
0.1938%
Return on Equity (ROE)
1.6321%
Non-Performing Loans Ratio (NPL)
0.14%
Total Assets
14,059,056
Total Amount of Shares and Deposits
12,368,267
Total Shares and Deposits < 1 Year
12,368,267
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
27,556
Total Uninsured Shares and Deposits > $250K (F+J)
27,556
Total Insured Shares and Deposits > $250K (item 17 less item K)
12,340,711
Total Interest Expense (Sum of items 6 8)
57,919
Share Certificates
89
Number of Accounts for Share Drafts
635
IRA KEOGH Accounts
5
Number of Accounts for Regular Shares
2,261
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,495,945
Total Liabilities
12,389,763
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for ONEIDA COUNTY yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About ONEIDA COUNTY

Is ONEIDA COUNTY a safe place to deposit money?

Yes, ONEIDA COUNTY is considered a safe financial institution. With a Texas Ratio of 0.38854772649259%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does ONEIDA COUNTY operate?

ONEIDA COUNTY 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 ONEIDA COUNTY?

Yes, to access services at ONEIDA COUNTY, 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, ONEIDA COUNTY 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, ONEIDA COUNTY provides members with tools to manage their accounts and build a solid financial history.

Does ONEIDA COUNTY offer online and mobile banking?

Most modern institutions like ONEIDA COUNTY 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: http://www.oneidacfcu.org.

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