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Oswego County Federal Credit Union

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Oswego County Federal Credit Union Rates & Review October 2026

Q: What are the current interest rates at Oswego County Federal Credit Union?

Current rates for Oswego County Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 2.02%, 24-Month CD: 2.27%, Savings: 5.00%, MMA: 2.53%

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 23, 2026

Oswego County Federal Credit Union's 9 Month CD - Platinum Plus Members rates are at 4.01%, CDs - 9 month - New Money rates are at 4.01%, 12 Month CD - Platinum Plus Members rates are at 3.55%, CDs - 12 month rates are at 3.55%, 24 Month CD - Platinum Plus Members rates are at 2.78%. Oswego County Federal Credit Union's savings rates are at 5.00%. Oswego County Federal Credit Union's money market rates are at 2.53%. Oswego County Federal Credit Union's checking rates are as high as 3.25%. Oswego County Federal Credit Union's Personal Loan Rates are as low as 8.00%. MonitorBankRates evaluates the financial stability of Oswego County Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.98%. Rates last updated and verified on 10/23/2026.

Oswego County 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 Oswego County Federal Credit Union? Share your experience about Oswego County Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Oswego County Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.98%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Oswego County Federal Credit Union
East Office

90 E Bridge St
Oswego, NY 13126

https://www.oswegofcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Oswego County Federal Credit Union CD Rates

Product	Rate	APY	Term
9 Month Share Certificate - Platinum Plus Members	3.95%	4.01%	9 Months - New Money
Min Deposit $500 Details Platinum Plus Members; Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 4.01% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Share Certificates - 9 month - New Money	3.95%	4.01%	9 Months
Min Deposit $500 Details Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 2.27% → 4.01% ▲ 1.74 pts · high 4.01% / low 1.76% Oct 23, 20264.01%▲ from 1.76% Oct 9, 20261.76%▼ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
12 Month Share Certificate - Platinum Plus Members	3.50%	3.55%	12 Months
Min Deposit $500 Details Platinum Plus Members; Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Share Certificates - 12 month	3.50%	3.55%	12 Months
Min Deposit $500 Details Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
24 Month Share Certificate - Platinum Plus Members	2.75%	2.78%	24 Months
Min Deposit $500 Details Platinum Plus Members; Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 2.78% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
36 Month Share Certificate - Platinum Plus Members	2.75%	2.78%	36 Months
Min Deposit $500 Details Platinum Plus Members; Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 2.78% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
18 Month Share Certificate - Platinum Plus Members	2.50%	2.53%	18 Months
Min Deposit $500 Details Platinum Plus Members; Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 2.53% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Share Certificates - 24 month	2.25%	2.27%	24 Months
Min Deposit $500 Details Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Share Certificates - 36 month	2.25%	2.27%	36 Months
Min Deposit $500 Details Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
6 Month Share Certificate - Platinum Plus Members	2.00%	2.02%	6 Months
Min Deposit $500 Details Platinum Plus Members; Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Share Certificates - 18 month	2.00%	2.02%	18 Months
Min Deposit $500 Details Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Share Certificates - 6 month	1.50%	1.51%	6 Months
Min Deposit $500 Details Rates effective as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%

Oswego County Federal Credit Union Savings Rates

Product	Rate	APY
Round Up Savings	-	5.00%
Details Interest paid on up to $2,500; earns 10 times the interest rate of a regular savings account; funded by debit card round-ups Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Savings Accounts	0.25%	0.25%
Min Balance $100 Details Balance: $100-$2,499.99; Dividend rates to be paid as of 10/16/2026 Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Savings Accounts	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500-$9,999.99; Dividend rates to be paid as of 10/16/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 21, 2026 · 1.00% → 0.25% ▼ 0.75 pts · high 1.00% / low 0.25% Oct 5, 20260.25%▼ from 1.00% Sep 21, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Savings Accounts	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 and greater; Dividend rates to be paid as of 10/16/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 21, 2026 · 1.16% → 0.25% ▼ 0.91 pts · high 1.16% / low 0.25% Oct 5, 20260.25%▼ from 1.16% Sep 21, 20261.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%

Oswego County Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.50%	2.53%
Min Balance $250,000 Details Balance: $250,000 or greater Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Money Market Account	2.25%	2.27%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 2.27% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Money Market Account	1.35%	1.36%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 1.36% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Money Market Account	1.25%	1.26%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 1.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Money Market Account	1.15%	1.16%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 1.16% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Money Market Account	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%

Oswego County Federal Credit Union Checking Rates

Product	Rate	APY	View More
Rebate Checking	3.25%	3.25%
Details Earn a Rebate on your Average daily balance; Now paying 3.25% interest Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%

Oswego County Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	4.99%	1-60 months
Details Rate column: Base Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Home Equity Loan	-	-	5.49%	61-120 months
Details Rate column: Base Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Home Equity Loan	-	-	5.99%	121-180 months
Details Rate column: Base Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%

Oswego County Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos/Motorcycles - 2025 & Newer	-	-	5.24%	1-36 months
Details Rate Tier: Base; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 6.99% → 5.24% ▼ 1.75 pts · high 6.99% / low 5.24% Oct 9, 20265.24%▼ from 6.99% Oct 5, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	5.49%	37-48 months
Details Rate Tier: Base; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.24% → 5.49% ▼ 1.75 pts · high 7.24% / low 5.49% Oct 9, 20265.49%▼ from 7.24% Oct 5, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	5.74%	49-60 months
Details Rate Tier: Base; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.49% → 5.74% ▼ 1.75 pts · high 7.49% / low 5.74% Oct 9, 20265.74%▼ from 7.49% Oct 5, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	5.74%	1-36 months
Details Model Year: 2024-2022; Rate Tier: Base; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 6.49% → 5.74% ▼ 0.75 pts · high 6.49% / low 5.74% Oct 15, 20265.74%▼ from 6.49% Oct 5, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	5.99%	61-72 months
Details Rate Tier: Base; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.74% → 5.99% ▼ 1.75 pts · high 7.74% / low 5.99% Oct 9, 20265.99%▼ from 7.74% Oct 5, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	5.99%	37-48 months
Details Model Year: 2024-2022; Rate Tier: Base; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 6.74% → 5.99% ▼ 0.75 pts · high 6.74% / low 5.99% Oct 15, 20265.99%▼ from 6.74% Oct 5, 20266.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	6.24%	1-36 months
Details Rate Tier: +100; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 6.99% → 6.24% ▼ 0.75 pts · high 6.99% / low 6.24% Oct 9, 20266.24%▼ from 6.99% Oct 5, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	6.24%	49-60 months
Details Model Year: 2024-2022; Rate Tier: Base; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 6.99% → 6.24% ▼ 0.75 pts · high 6.99% / low 6.24% Oct 15, 20266.24%▼ from 6.99% Oct 5, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	6.49%	37-48 months
Details Rate Tier: +100; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.24% → 6.49% ▼ 0.75 pts · high 7.24% / low 6.49% Oct 9, 20266.49%▼ from 7.24% Oct 5, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	6.49%	73-84 months
Details Rate Tier: Base; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 8.24% → 6.49% ▼ 1.75 pts · high 8.24% / low 6.49% Oct 9, 20266.49%▼ from 8.24% Oct 5, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	6.49%	61-72 months
Details Model Year: 2024-2022; Rate Tier: Base; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.24% → 6.49% ▼ 0.75 pts · high 7.24% / low 6.49% Oct 15, 20266.49%▼ from 7.24% Oct 5, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	6.74%	49-60 months
Details Rate Tier: +100; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.49% → 6.74% ▼ 0.75 pts · high 7.49% / low 6.74% Oct 9, 20266.74%▼ from 7.49% Oct 5, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	6.74%	1-36 months
Details Model Year: 2024-2022; Rate Tier: +100; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 15, 20266.74%▲ from 6.49% Oct 5, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	6.99%	61-72 months
Details Rate Tier: +100; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.74% → 6.99% ▼ 0.75 pts · high 7.74% / low 6.99% Oct 9, 20266.99%▼ from 7.74% Oct 5, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	6.99%	37-48 months
Details Model Year: 2024-2022; Rate Tier: +100; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Oct 15, 20266.99%▲ from 6.74% Oct 5, 20266.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	7.24%	1-36 months
Details Rate Tier: +200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 9, 20267.24%▲ from 6.99% Oct 5, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	7.24%	49-60 months
Details Model Year: 2024-2022; Rate Tier: +100; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 15, 20267.24%▲ from 6.99% Oct 5, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	7.49%	37-48 months
Details Rate Tier: +200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 9, 20267.49%▲ from 7.24% Oct 5, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	7.49%	73-84 months
Details Rate Tier: +100; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 8.24% → 7.49% ▼ 0.75 pts · high 8.24% / low 7.49% Oct 9, 20267.49%▼ from 8.24% Oct 5, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	7.49%	61-72 months
Details Model Year: 2024-2022; Rate Tier: +100; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 15, 20267.49%▲ from 7.24% Oct 5, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	7.74%	49-60 months
Details Rate Tier: +200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 9, 20267.74%▲ from 7.49% Oct 5, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	7.74%	1-36 months
Details Model Year: 2024-2022; Rate Tier: +200; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 15, 20267.74%▲ from 7.49% Oct 5, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	7.99%	61-72 months
Details Rate Tier: +200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 9, 20267.99%▲ from 7.74% Oct 5, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	7.99%	37-48 months
Details Model Year: 2024-2022; Rate Tier: +200; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 15, 20267.99%▲ from 7.74% Oct 5, 20267.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	7.99%	1-36 months
Details Model Year: 2021-Older; Rate Tier: Base; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	8.24%	49-60 months
Details Model Year: 2024-2022; Rate Tier: +200; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99% Oct 15, 20268.24%▲ from 7.99% Oct 5, 20267.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	8.24%	37-48 months
Details Model Year: 2021-Older; Rate Tier: Base; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	8.49%	73-84 months
Details Rate Tier: +200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 9, 20268.49%▲ from 8.24% Oct 5, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	8.49%	61-72 months
Details Model Year: 2024-2022; Rate Tier: +200; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 15, 20268.49%▲ from 8.24% Oct 5, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	8.49%	49-60 months
Details Model Year: 2021-Older ($20,000 Minimum and less than 100,000 miles); Rate Tier: Base; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	8.99%	1-36 months
Details Model Year: 2021-Older; Rate Tier: +100; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	9.24%	1-36 months
Details Rate Tier: +400; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 9.99% → 9.24% ▼ 0.75 pts · high 9.99% / low 9.24% Oct 9, 20269.24%▼ from 9.99% Oct 5, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	9.24%	37-48 months
Details Model Year: 2021-Older; Rate Tier: +100; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	9.49%	37-48 months
Details Rate Tier: +400; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 10.24% → 9.49% ▼ 0.75 pts · high 10.24% / low 9.49% Oct 9, 20269.49%▼ from 10.24% Oct 5, 202610.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	9.49%	49-60 months
Details Model Year: 2021-Older ($20,000 Minimum and less than 100,000 miles); Rate Tier: +100; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	9.74%	49-60 months
Details Rate Tier: +400; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 10.49% → 9.74% ▼ 0.75 pts · high 10.49% / low 9.74% Oct 9, 20269.74%▼ from 10.49% Oct 5, 202610.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	9.74%	1-36 months
Details Model Year: 2024-2022; Rate Tier: +400; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 9.99% → 9.74% ▼ 0.25 pts · high 9.99% / low 9.74% Oct 15, 20269.74%▼ from 9.99% Oct 5, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	9.99%	61-72 months
Details Rate Tier: +400; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 10.74% → 9.99% ▼ 0.75 pts · high 10.74% / low 9.99% Oct 9, 20269.99%▼ from 10.74% Oct 5, 202610.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	9.99%	37-48 months
Details Model Year: 2024-2022; Rate Tier: +400; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 10.24% → 9.99% ▼ 0.25 pts · high 10.24% / low 9.99% Oct 15, 20269.99%▼ from 10.24% Oct 5, 202610.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	9.99%	1-36 months
Details Model Year: 2021-Older; Rate Tier: +200; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	10.24%	49-60 months
Details Model Year: 2024-2022; Rate Tier: +400; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 10.49% → 10.24% ▼ 0.25 pts · high 10.49% / low 10.24% Oct 15, 202610.24%▼ from 10.49% Oct 5, 202610.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	10.24%	37-48 months
Details Model Year: 2021-Older; Rate Tier: +200; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	10.49%	73-84 months
Details Rate Tier: +400; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 11.24% → 10.49% ▼ 0.75 pts · high 11.24% / low 10.49% Oct 9, 202610.49%▼ from 11.24% Oct 5, 202611.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	10.49%	61-72 months
Details Model Year: 2024-2022; Rate Tier: +400; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 11.24% → 10.49% ▼ 0.75 pts · high 11.24% / low 10.49% Oct 15, 202610.49%▼ from 11.24% Oct 5, 202611.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	10.49%	49-60 months
Details Model Year: 2021-Older ($20,000 Minimum and less than 100,000 miles); Rate Tier: +200; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	11.99%	1-36 months
Details Model Year: 2021-Older; Rate Tier: +400; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	12.24%	37-48 months
Details Model Year: 2021-Older; Rate Tier: +400; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 12.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	12.49%	49-60 months
Details Model Year: 2021-Older ($20,000 Minimum and less than 100,000 miles); Rate Tier: +400; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 12.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	13.24%	1-36 months
Details Rate Tier: +800; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 13.99% → 13.24% ▼ 0.75 pts · high 13.99% / low 13.24% Oct 9, 202613.24%▼ from 13.99% Oct 5, 202613.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	13.49%	37-48 months
Details Rate Tier: +800; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 14.24% → 13.49% ▼ 0.75 pts · high 14.24% / low 13.49% Oct 9, 202613.49%▼ from 14.24% Oct 5, 202614.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	13.74%	49-60 months
Details Rate Tier: +800; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 14.49% → 13.74% ▼ 0.75 pts · high 14.49% / low 13.74% Oct 9, 202613.74%▼ from 14.49% Oct 5, 202614.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	13.74%	1-36 months
Details Model Year: 2024-2022; Rate Tier: +800; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 14.49% → 13.74% ▼ 0.75 pts · high 14.49% / low 13.74% Oct 15, 202613.74%▼ from 14.49% Oct 5, 202614.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	13.99%	61-72 months
Details Rate Tier: +800; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 14.74% → 13.99% ▼ 0.75 pts · high 14.74% / low 13.99% Oct 9, 202613.99%▼ from 14.74% Oct 5, 202614.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	13.99%	37-48 months
Details Model Year: 2024-2022; Rate Tier: +800; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 14.74% → 13.99% ▼ 0.75 pts · high 14.74% / low 13.99% Oct 15, 202613.99%▼ from 14.74% Oct 5, 202614.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	14.24%	49-60 months
Details Model Year: 2024-2022; Rate Tier: +800; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 14.99% → 14.24% ▼ 0.75 pts · high 14.99% / low 14.24% Oct 15, 202614.24%▼ from 14.99% Oct 5, 202614.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	14.49%	73-84 months
Details Rate Tier: +800; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 15.24% → 14.49% ▼ 0.75 pts · high 15.24% / low 14.49% Oct 9, 202614.49%▼ from 15.24% Oct 5, 202615.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	14.49%	61-72 months
Details Model Year: 2024-2022; Rate Tier: +800; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 15.24% → 14.49% ▼ 0.75 pts · high 15.24% / low 14.49% Oct 15, 202614.49%▼ from 15.24% Oct 5, 202615.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	15.99%	1-36 months
Details Model Year: 2021-Older; Rate Tier: +800; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 15.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	16.24%	37-48 months
Details Model Year: 2021-Older; Rate Tier: +800; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 16.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	16.49%	49-60 months
Details Model Year: 2021-Older ($20,000 Minimum and less than 100,000 miles); Rate Tier: +800; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 16.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	17.24%	1-36 months
Details Rate Tier: +1200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 17.99% → 17.24% ▼ 0.75 pts · high 17.99% / low 17.24% Oct 9, 202617.24%▼ from 17.99% Oct 5, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	17.49%	37-48 months
Details Rate Tier: +1200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 17.99% → 17.49% ▼ 0.50 pts · high 17.99% / low 17.49% Oct 9, 202617.49%▼ from 17.99% Oct 5, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	17.74%	49-60 months
Details Rate Tier: +1200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 17.99% → 17.74% ▼ 0.25 pts · high 17.99% / low 17.74% Oct 9, 202617.74%▼ from 17.99% Oct 5, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	17.74%	1-36 months
Details Model Year: 2024-2022; Rate Tier: +1200; All rates are APR Last Updated 10/23/2026 Rate History 1 change since Oct 5, 2026 · 17.99% → 17.74% ▼ 0.25 pts · high 17.99% / low 17.74% Oct 15, 202617.74%▼ from 17.99% Oct 5, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	17.99%	61-72 months
Details Rate Tier: +1200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 17.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
New Autos/Motorcycles - 2025 & Newer	-	-	17.99%	73-84 months
Details Rate Tier: +1200; Secured Vehicle Loan Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 17.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	17.99%	37-48 months
Details Model Year: 2024-2022; Rate Tier: +1200; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 17.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	17.99%	49-60 months
Details Model Year: 2024-2022; Rate Tier: +1200; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 17.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	17.99%	61-72 months
Details Model Year: 2024-2022; Rate Tier: +1200; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 17.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Used Autos/Motorcycles	-	-	17.99%	1-36 months
Details Model Year: 2021-Older; Rate Tier: +1200; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 17.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%

Oswego County Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	6.20%	1-48 months
Details Rate Tier: Base; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 7.20% → 6.20% ▼ 1.00 pts · high 7.20% / low 6.20% Oct 13, 20266.20%▼ from 7.20% Sep 29, 20267.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	6.70%	49-96 months
Details Rate Tier: Base; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 7.70% → 6.70% ▼ 1.00 pts · high 7.70% / low 6.70% Oct 13, 20266.70%▼ from 7.70% Sep 29, 20267.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	6.95%	1-48 months
Details Rate Tier: Base; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 7.95% → 6.95% ▼ 1.00 pts · high 7.95% / low 6.95% Oct 13, 20266.95%▼ from 7.95% Sep 29, 20267.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	7.20%	1-48 months
Details Rate Tier: +100; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 7.20% → 7.20% ▼ 0.00 pts · high 7.20% / low 6.20% Oct 23, 20267.20%▲ from 6.20% Oct 15, 20266.20%▼ from 7.20% Sep 29, 20267.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	7.20%	97-120 months
Details Rate Tier: Base; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 8.20% → 7.20% ▼ 1.00 pts · high 8.20% / low 7.20% Oct 13, 20267.20%▼ from 8.20% Sep 29, 20268.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	7.45%	1-48 months
Details Rate Tier: Base; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 8.45% → 7.45% ▼ 1.00 pts · high 8.45% / low 7.45% Oct 13, 20267.45%▼ from 8.45% Sep 29, 20268.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	7.45%	49-96 months
Details Rate Tier: Base; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 8.45% → 7.45% ▼ 1.00 pts · high 8.45% / low 7.45% Oct 13, 20267.45%▼ from 8.45% Sep 29, 20268.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	7.70%	49-96 months
Details Rate Tier: +100; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 7.70% → 7.70% ▼ 0.00 pts · high 7.70% / low 6.70% Oct 23, 20267.70%▲ from 6.70% Oct 15, 20266.70%▼ from 7.70% Sep 29, 20267.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Minimum Loan	-	7.70%	121-180 months
Details $50,000; Rate Tier: Base; Model Year: 2025 & Newer; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 8.70% → 7.70% ▼ 1.00 pts · high 8.70% / low 7.70% Oct 15, 20267.70%▼ from 8.70% Sep 29, 20268.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	7.95%	49-96 months
Details Rate Tier: Base; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 8.95% → 7.95% ▼ 1.00 pts · high 8.95% / low 7.95% Oct 13, 20267.95%▼ from 8.95% Sep 29, 20268.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	7.95%	1-48 months
Details Rate Tier: +100; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 7.95% → 7.95% ▼ 0.00 pts · high 7.95% / low 6.95% Oct 23, 20267.95%▲ from 6.95% Oct 15, 20266.95%▼ from 7.95% Sep 29, 20267.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	7.95%	97-120 months
Details Rate Tier: Base; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 8.95% → 7.95% ▼ 1.00 pts · high 8.95% / low 7.95% Oct 13, 20267.95%▼ from 8.95% Sep 29, 20268.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	8.20%	1-48 months
Details Rate Tier: +200; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.20% → 8.20% ▼ 0.00 pts · high 8.20% / low 6.20% Oct 23, 20268.20%▲ from 6.20% Oct 15, 20266.20%▼ from 8.20% Sep 29, 20268.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	8.20%	97-120 months
Details Rate Tier: +100; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.20% → 8.20% ▼ 0.00 pts · high 8.20% / low 7.20% Oct 23, 20268.20%▲ from 7.20% Oct 15, 20267.20%▼ from 8.20% Sep 29, 20268.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	8.45%	97-120 months
Details $25,000; Rate Tier: Base; Model Year: 2021 & Older; Minimum loan $25,000 Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 9.45% → 8.45% ▼ 1.00 pts · high 9.45% / low 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	8.45%	1-48 months
Details Rate Tier: +100; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.45% → 8.45% ▼ 0.00 pts · high 8.45% / low 7.45% Oct 23, 20268.45%▲ from 7.45% Oct 15, 20267.45%▼ from 8.45% Sep 29, 20268.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	8.45%	49-96 months
Details Rate Tier: +100; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.45% → 8.45% ▼ 0.00 pts · high 8.45% / low 7.45% Oct 23, 20268.45%▲ from 7.45% Oct 15, 20267.45%▼ from 8.45% Sep 29, 20268.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Minimum Loan	-	8.45%	121-180 months
Details $50,000; Rate Tier: Base; Model Year: 2024-2022; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 9.45% → 8.45% ▼ 1.00 pts · high 9.45% / low 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	8.70%	49-96 months
Details Rate Tier: +200; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.70% → 8.70% ▼ 0.00 pts · high 8.70% / low 6.70% Oct 23, 20268.70%▲ from 6.70% Oct 15, 20266.70%▼ from 8.70% Sep 29, 20268.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Minimum Loan	-	8.70%	121-180 months
Details $50,000; Rate Tier: +100; Model Year: 2025 & Newer; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.70% → 8.70% ▼ 0.00 pts · high 8.70% / low 7.70% Oct 23, 20268.70%▲ from 7.70% Oct 15, 20267.70%▼ from 8.70% Sep 29, 20268.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	8.95%	121-180 months
Details $50,000; Rate Tier: Base; Model Year: 2021 & Older; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 9.95% → 8.95% ▼ 1.00 pts · high 9.95% / low 8.95% Oct 15, 20268.95%▼ from 9.95% Sep 29, 20269.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	8.95%	49-96 months
Details Rate Tier: +100; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.95% → 8.95% ▼ 0.00 pts · high 8.95% / low 7.95% Oct 23, 20268.95%▲ from 7.95% Oct 15, 20267.95%▼ from 8.95% Sep 29, 20268.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	8.95%	1-48 months
Details Rate Tier: +200; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.95% → 8.95% ▼ 0.00 pts · high 8.95% / low 6.95% Oct 23, 20268.95%▲ from 6.95% Oct 15, 20266.95%▼ from 8.95% Sep 29, 20268.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	8.95%	97-120 months
Details Rate Tier: +100; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.95% → 8.95% ▼ 0.00 pts · high 8.95% / low 7.95% Oct 23, 20268.95%▲ from 7.95% Oct 15, 20267.95%▼ from 8.95% Sep 29, 20268.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	9.20%	97-120 months
Details Rate Tier: +200; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.20% → 9.20% ▼ 0.00 pts · high 9.20% / low 7.20% Oct 23, 20269.20%▲ from 7.20% Oct 15, 20267.20%▼ from 9.20% Sep 29, 20269.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	9.45%	97-120 months
Details $25,000; Rate Tier: +100; Model Year: 2021 & Older; Minimum loan $25,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 9.45% ▼ 0.00 pts · high 9.45% / low 8.45% Oct 23, 20269.45%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	9.45%	1-48 months
Details Rate Tier: +200; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 9.45% ▼ 0.00 pts · high 9.45% / low 7.45% Oct 23, 20269.45%▲ from 7.45% Oct 15, 20267.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	9.45%	49-96 months
Details Rate Tier: +200; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 9.45% ▼ 0.00 pts · high 9.45% / low 7.45% Oct 23, 20269.45%▲ from 7.45% Oct 15, 20267.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Minimum Loan	-	9.45%	121-180 months
Details $50,000; Rate Tier: +100; Model Year: 2024-2022; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 9.45% ▼ 0.00 pts · high 9.45% / low 8.45% Oct 23, 20269.45%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Minimum Loan	-	9.70%	121-180 months
Details $50,000; Rate Tier: +200; Model Year: 2025 & Newer; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.70% → 9.70% ▲ 1.00 pts · high 9.70% / low 7.70% Oct 23, 20269.70%▲ from 7.70% Oct 15, 20267.70%▼ from 8.70% Sep 29, 20268.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	9.95%	121-180 months
Details $50,000; Rate Tier: +100; Model Year: 2021 & Older; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.95% → 9.95% ▼ 0.00 pts · high 9.95% / low 8.95% Oct 23, 20269.95%▲ from 8.95% Oct 15, 20268.95%▼ from 9.95% Sep 29, 20269.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	9.95%	49-96 months
Details Rate Tier: +200; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.95% → 9.95% ▼ 0.00 pts · high 9.95% / low 7.95% Oct 23, 20269.95%▲ from 7.95% Oct 15, 20267.95%▼ from 9.95% Sep 29, 20269.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	9.95%	97-120 months
Details Rate Tier: +200; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.95% → 9.95% ▼ 0.00 pts · high 9.95% / low 7.95% Oct 23, 20269.95%▲ from 7.95% Oct 15, 20267.95%▼ from 9.95% Sep 29, 20269.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	10.20%	1-48 months
Details Rate Tier: +400; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 10.20% → 10.20% ▼ 0.00 pts · high 10.20% / low 6.20% Oct 23, 202610.20%▲ from 6.20% Oct 15, 20266.20%▼ from 10.20% Sep 29, 202610.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	10.45%	97-120 months
Details $25,000; Rate Tier: +200; Model Year: 2021 & Older; Minimum loan $25,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 10.45% ▲ 1.00 pts · high 10.45% / low 8.45% Oct 23, 202610.45%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Minimum Loan	-	10.45%	121-180 months
Details $50,000; Rate Tier: +200; Model Year: 2024-2022; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 10.45% ▲ 1.00 pts · high 10.45% / low 8.45% Oct 23, 202610.45%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	10.70%	49-96 months
Details Rate Tier: +400; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 10.70% → 10.70% ▼ 0.00 pts · high 10.70% / low 6.70% Oct 23, 202610.70%▲ from 6.70% Oct 15, 20266.70%▼ from 10.70% Sep 29, 202610.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	10.95%	121-180 months
Details $50,000; Rate Tier: +200; Model Year: 2021 & Older; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.95% → 10.95% ▲ 1.00 pts · high 10.95% / low 8.95% Oct 23, 202610.95%▲ from 8.95% Oct 15, 20268.95%▼ from 9.95% Sep 29, 20269.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	10.95%	1-48 months
Details Rate Tier: +400; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 10.95% → 10.95% ▼ 0.00 pts · high 10.95% / low 6.95% Oct 23, 202610.95%▲ from 6.95% Oct 15, 20266.95%▼ from 10.95% Sep 29, 202610.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	11.20%	97-120 months
Details Rate Tier: +400; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 11.20% → 11.20% ▼ 0.00 pts · high 11.20% / low 7.20% Oct 23, 202611.20%▲ from 7.20% Oct 15, 20267.20%▼ from 11.20% Sep 29, 202611.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	11.45%	1-48 months
Details Rate Tier: +400; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 11.45% → 11.45% ▼ 0.00 pts · high 11.45% / low 7.45% Oct 23, 202611.45%▲ from 7.45% Oct 15, 20267.45%▼ from 11.45% Sep 29, 202611.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	11.45%	49-96 months
Details Rate Tier: +400; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 11.45% → 11.45% ▼ 0.00 pts · high 11.45% / low 7.45% Oct 23, 202611.45%▲ from 7.45% Oct 15, 20267.45%▼ from 11.45% Sep 29, 202611.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Minimum Loan	-	11.70%	121-180 months
Details $50,000; Rate Tier: +400; Model Year: 2025 & Newer; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.70% → 11.70% ▲ 3.00 pts · high 11.70% / low 7.70% Oct 23, 202611.70%▲ from 7.70% Oct 15, 20267.70%▼ from 8.70% Sep 29, 20268.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	11.95%	49-96 months
Details Rate Tier: +400; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 11.95% → 11.95% ▼ 0.00 pts · high 11.95% / low 7.95% Oct 23, 202611.95%▲ from 7.95% Oct 15, 20267.95%▼ from 11.95% Sep 29, 202611.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	11.95%	97-120 months
Details Rate Tier: +400; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 11.95% → 11.95% ▼ 0.00 pts · high 11.95% / low 7.95% Oct 23, 202611.95%▲ from 7.95% Oct 15, 20267.95%▼ from 11.95% Sep 29, 202611.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	12.45%	97-120 months
Details $25,000; Rate Tier: +400; Model Year: 2021 & Older; Minimum loan $25,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 12.45% ▲ 3.00 pts · high 12.45% / low 8.45% Oct 23, 202612.45%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Minimum Loan	-	12.45%	121-180 months
Details $50,000; Rate Tier: +400; Model Year: 2024-2022; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 12.45% ▲ 3.00 pts · high 12.45% / low 8.45% Oct 23, 202612.45%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	12.95%	121-180 months
Details $50,000; Rate Tier: +400; Model Year: 2021 & Older; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.95% → 12.95% ▲ 3.00 pts · high 12.95% / low 8.95% Oct 23, 202612.95%▲ from 8.95% Oct 15, 20268.95%▼ from 9.95% Sep 29, 20269.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	14.20%	1-48 months
Details Rate Tier: +800; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 14.20% → 14.20% ▼ 0.00 pts · high 14.20% / low 6.20% Oct 23, 202614.20%▲ from 6.20% Oct 15, 20266.20%▼ from 14.20% Sep 29, 202614.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	14.70%	49-96 months
Details Rate Tier: +800; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 14.70% → 14.70% ▼ 0.00 pts · high 14.70% / low 6.70% Oct 23, 202614.70%▲ from 6.70% Oct 15, 20266.70%▼ from 14.70% Sep 29, 202614.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	14.95%	1-48 months
Details Rate Tier: +800; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 14.95% → 14.95% ▼ 0.00 pts · high 14.95% / low 6.95% Oct 23, 202614.95%▲ from 6.95% Oct 15, 20266.95%▼ from 14.95% Sep 29, 202614.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	15.20%	97-120 months
Details Rate Tier: +800; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 15.20% → 15.20% ▼ 0.00 pts · high 15.20% / low 7.20% Oct 23, 202615.20%▲ from 7.20% Oct 15, 20267.20%▼ from 15.20% Sep 29, 202615.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	15.45%	1-48 months
Details Rate Tier: +800; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 15.45% → 15.45% ▼ 0.00 pts · high 15.45% / low 7.45% Oct 23, 202615.45%▲ from 7.45% Oct 15, 20267.45%▼ from 15.45% Sep 29, 202615.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	15.45%	49-96 months
Details Rate Tier: +800; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 15.45% → 15.45% ▼ 0.00 pts · high 15.45% / low 7.45% Oct 23, 202615.45%▲ from 7.45% Oct 15, 20267.45%▼ from 15.45% Sep 29, 202615.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Minimum Loan	-	15.70%	121-180 months
Details $50,000; Rate Tier: +800; Model Year: 2025 & Newer; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.70% → 15.70% ▲ 7.00 pts · high 15.70% / low 7.70% Oct 23, 202615.70%▲ from 7.70% Oct 15, 20267.70%▼ from 8.70% Sep 29, 20268.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	15.95%	49-96 months
Details Rate Tier: +800; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 15.95% → 15.95% ▼ 0.00 pts · high 15.95% / low 7.95% Oct 23, 202615.95%▲ from 7.95% Oct 15, 20267.95%▼ from 15.95% Sep 29, 202615.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	15.95%	97-120 months
Details Rate Tier: +800; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 15.95% → 15.95% ▼ 0.00 pts · high 15.95% / low 7.95% Oct 23, 202615.95%▲ from 7.95% Oct 15, 20267.95%▼ from 15.95% Sep 29, 202615.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	16.45%	97-120 months
Details $25,000; Rate Tier: +800; Model Year: 2021 & Older; Minimum loan $25,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 16.45% ▲ 7.00 pts · high 16.45% / low 8.45% Oct 23, 202616.45%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Minimum Loan	-	16.45%	121-180 months
Details $50,000; Rate Tier: +800; Model Year: 2024-2022; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 16.45% ▲ 7.00 pts · high 16.45% / low 8.45% Oct 23, 202616.45%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	16.95%	121-180 months
Details $50,000; Rate Tier: +800; Model Year: 2021 & Older; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.95% → 16.95% ▲ 7.00 pts · high 16.95% / low 8.95% Oct 23, 202616.95%▲ from 8.95% Oct 15, 20268.95%▼ from 9.95% Sep 29, 20269.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	17.99%	97-120 months
Details $25,000; Rate Tier: +1200; Model Year: 2021 & Older; Minimum loan $25,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 17.99% ▲ 8.54 pts · high 17.99% / low 8.45% Oct 23, 202617.99%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021 & Older Minimum Loan	-	17.99%	121-180 months
Details $50,000; Rate Tier: +1200; Model Year: 2021 & Older; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.95% → 17.99% ▲ 8.04 pts · high 17.99% / low 8.95% Oct 23, 202617.99%▲ from 8.95% Oct 15, 20268.95%▼ from 9.95% Sep 29, 20269.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	17.99%	1-48 months
Details Rate Tier: +1200; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 17.99% → 17.99% ▼ 0.00 pts · high 17.99% / low 7.45% Oct 23, 202617.99%▲ from 7.45% Oct 15, 20267.45%▼ from 17.99% Sep 29, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2021-Older Loan	-	17.99%	49-96 months
Details Rate Tier: +1200; Model Year: 2021-Older Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 17.99% → 17.99% ▼ 0.00 pts · high 17.99% / low 7.95% Oct 23, 202617.99%▲ from 7.95% Oct 15, 20267.95%▼ from 17.99% Sep 29, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	17.99%	1-48 months
Details Rate Tier: +1200; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 17.99% → 17.99% ▼ 0.00 pts · high 17.99% / low 6.95% Oct 23, 202617.99%▲ from 6.95% Oct 15, 20266.95%▼ from 17.99% Sep 29, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	17.99%	49-96 months
Details Rate Tier: +1200; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 17.99% → 17.99% ▼ 0.00 pts · high 17.99% / low 7.45% Oct 23, 202617.99%▲ from 7.45% Oct 15, 20267.45%▼ from 17.99% Sep 29, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Loan	-	17.99%	97-120 months
Details Rate Tier: +1200; Model Year: 2024-2022 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 17.99% → 17.99% ▼ 0.00 pts · high 17.99% / low 7.95% Oct 23, 202617.99%▲ from 7.95% Oct 15, 20267.95%▼ from 17.99% Sep 29, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2024-2022 Minimum Loan	-	17.99%	121-180 months
Details $50,000; Rate Tier: +1200; Model Year: 2024-2022; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 9.45% → 17.99% ▲ 8.54 pts · high 17.99% / low 8.45% Oct 23, 202617.99%▲ from 8.45% Oct 15, 20268.45%▼ from 9.45% Sep 29, 20269.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	17.99%	1-48 months
Details Rate Tier: +1200; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 17.99% → 17.99% ▼ 0.00 pts · high 17.99% / low 6.20% Oct 23, 202617.99%▲ from 6.20% Oct 15, 20266.20%▼ from 17.99% Sep 29, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	17.99%	49-96 months
Details Rate Tier: +1200; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 17.99% → 17.99% ▼ 0.00 pts · high 17.99% / low 6.70% Oct 23, 202617.99%▲ from 6.70% Oct 15, 20266.70%▼ from 17.99% Sep 29, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Loan	-	17.99%	97-120 months
Details Rate Tier: +1200; Model Year: 2025 & Newer Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 17.99% → 17.99% ▼ 0.00 pts · high 17.99% / low 7.20% Oct 23, 202617.99%▲ from 7.20% Oct 15, 20267.20%▼ from 17.99% Sep 29, 202617.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Rv/Camper/Boat/Offroad - 2025 & Newer Minimum Loan	-	17.99%	121-180 months
Details $50,000; Rate Tier: +1200; Model Year: 2025 & Newer; Minimum loan $50,000 Last Updated 10/23/2026 Rate History 2 changes since Sep 29, 2026 · 8.70% → 17.99% ▲ 9.29 pts · high 17.99% / low 7.70% Oct 23, 202617.99%▲ from 7.70% Oct 15, 20267.70%▼ from 8.70% Sep 29, 20268.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%

Oswego County Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.00%	13-24 months
Details Rate tier: Base; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	9.00%	13-24 months
Details Rate tier: +100; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	9.00%	25-36 months
Details Rate tier: Base; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	10.00%	13-24 months
Details Rate tier: +200; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	10.00%	25-36 months
Details Rate tier: +100; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	10.50%	37-48 months
Details Rate tier: Base; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 10.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	11.00%	25-36 months
Details Rate tier: +200; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	11.50%	37-48 months
Details Rate tier: +100; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	11.50%	49-60 months
Details Rate tier: Base; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 11.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	12.00%	13-24 months
Details Rate tier: +400; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 12.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	12.50%	37-48 months
Details Rate tier: +200; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 12.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	12.50%	49-60 months
Details Rate tier: +100; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 12.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	13.00%	25-36 months
Details Rate tier: +400; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 13.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	13.50%	49-60 months
Details Rate tier: +200; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 13.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	14.50%	37-48 months
Details Rate tier: +400; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 14.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	15.50%	49-60 months
Details Rate tier: +400; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 15.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	16.00%	13-24 months
Details Rate tier: +800; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 16.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	17.00%	25-36 months
Details Rate tier: +800; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 17.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	17.99%	13-24 months
Details Rate tier: +1200; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 16.00% → 17.99% ▲ 1.99 pts · high 17.99% / low 16.00% Oct 5, 202617.99%▲ from 16.00% Sep 29, 202616.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	17.99%	25-36 months
Details Rate tier: +1200; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History 1 change since Sep 29, 2026 · 17.00% → 17.99% ▲ 0.99 pts · high 17.99% / low 17.00% Oct 5, 202617.99%▲ from 17.00% Sep 29, 202617.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	17.99%	37-48 months
Details Rate tier: +800; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 17.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Personal Loan	17.99%	49-60 months
Details Rate tier: +800; All rates are APR; Loan Product Addendum effective 10/06/2026 Last Updated 10/23/2026 Rate History No change since Sep 29, 2026 · 17.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%

Oswego County Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
One Year Loan	-	-	7.00%
Details Credit Grade: A + 730+; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
One Year Loan	-	-	8.00%
Details Credit Grade: A 729-680; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
One Year Loan	-	-	9.00%
Details Credit Grade: B 679-640; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
One Year Loan	-	-	10.00%
Details Credit Grade: C 639-600; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
One Year Loan	-	-	11.00%
Details Credit Grade: D 599-550; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
One Year Loan	-	-	12.00%
Details Credit Grade: E 549-Lower; All rates are APR Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 12.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Share Purchase Loan	-	-	9.90%
Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 9.90% → 9.90% ▼ 0.00 pts · high 9.90% / low 1.49% Sep 29, 20269.90%▲ from 1.49% Sep 21, 20261.49%▼ from 9.90% Sep 14, 20269.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Platinum Plus	3.95%	-	4.01%	9 Months - New Money
Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 2.27% → 4.01% ▲ 1.74 pts · high 4.01% / low 2.27% Oct 23, 20264.01%▲ from 2.27% Oct 13, 20262.27%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Platinum Plus	3.50%	-	3.55%	12 Months
Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Platinum Plus	2.50%	-	2.53%	18 Months
Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Platinum Plus	2.75%	-	2.78%	24 Months
Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%
Platinum Plus	2.75%	-	2.78%	36 Months
Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 2.78% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.98%

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.

Financial Health History

Oswego County Federal Credit Union’s Texas Ratio stayed near 10.96% in Q3 2023 to 10.98% in Q2 2026, so its financial health has held steady at a healthy level 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 green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$153M	10.98%	5.0	A
March 31, 2026	$152M	12.07%	5.0	A
December 31, 2025	$147M	12.78%	5.0	A
September 30, 2025	$143M	5.60%	5.0	A+
June 30, 2025	$144M	9.58%	5.0	A
March 31, 2025	$143M	5.19%	5.0	A+
December 31, 2024	$138M	6.05%	5.0	A
September 30, 2024	$136M	10.46%	5.0	A
June 30, 2024	$137M	13.38%	5.0	A
March 31, 2024	$133M	10.42%	5.0	A
December 31, 2023	$127M	10.13%	5.0	A
September 30, 2023	$128M	10.96%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Oswego County 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 Oswego County 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 Oswego County Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Oswego County Federal Credit Union

Website https://www.oswegofcu.org

Address 90 E Bridge St, Oswego, NY 13126

Phone 315-343-7822

Fax 315-343-7826

President Atom Avery

CEO William Carhart

Full-Time Employees 54

Part-Time Employees 0

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.98%

Return on Assets (ROA)

0.6190%

Return on Equity (ROE)

5.1299%

Non-Performing Loans Ratio (NPL)

2.06%

Total Assets

152,532,659

Total Amount of Shares and Deposits

132,673,472

Total Shares and Deposits < 1 Year

110,690,245

Total Shares and Deposits 1 3 Years

21,983,226

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,005,996

Total Uninsured Shares and Deposits > $250K (F+J)

5,005,996

Total Insured Shares and Deposits > $250K (item 17 less item K)

127,667,476

Total Interest Expense (Sum of items 6 8)

669,555

Share Certificates

883

Number of Accounts for Share Drafts

10,763

IRA KEOGH Accounts

252

Number of Accounts for Regular Shares

14,928

All other shares

4,517

Money Market Shares

164

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)

18,739,544

Total Liabilities

133,897,124

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Oswego County Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Oswego County Federal Credit Union

Does Oswego County Federal Credit Union offer CDs?

Yes. Oswego County Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Oswego County Federal Credit Union NCUA insured?

Yes. Oswego County Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Oswego County Federal Credit Union?

The highest CD rate MonitorBankRates has verified for Oswego County Federal Credit Union is 4.01% APY on its 9 Month CD - Platinum Plus Members, as of October 23, 2026.

What CD terms does Oswego County Federal Credit Union offer?

The Oswego County Federal Credit Union CD terms we track include 9 month, 12 month, 18 month and 2 year terms, with rates from 2.78% to 4.01% APY. The institution may offer other terms or specials that are not listed here, so check with Oswego County Federal Credit Union for its full lineup.

What is the highest savings rate at Oswego County Federal Credit Union?

The highest savings rate MonitorBankRates has verified for Oswego County Federal Credit Union is 5.00% APY on its Round Up Savings, as of October 23, 2026.

What is the highest money market rate at Oswego County Federal Credit Union?

The highest money market rate MonitorBankRates has verified for Oswego County Federal Credit Union is 2.53% APY on its Money Market Account, as of October 23, 2026.

What is the highest checking rate at Oswego County Federal Credit Union?

The highest checking rate MonitorBankRates has verified for Oswego County Federal Credit Union is 3.25% APY on its Rebate Checking, as of October 23, 2026.

What is the lowest auto loan rate at Oswego County Federal Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Oswego County Federal Credit Union is 5.24% APR on its New Autos/Motorcycles - 2025 & Newer, as of October 23, 2026.

What is the lowest personal loan rate at Oswego County Federal Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Oswego County Federal Credit Union is 8.00% APR on its Personal Loan, as of October 23, 2026.

How many branches does Oswego County Federal Credit Union operate?

Oswego County 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 Oswego County Federal Credit Union?

Yes, to access services at Oswego County 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, Oswego County 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, Oswego County Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Oswego County Federal Credit Union offer online and mobile banking?

Most modern institutions like Oswego County 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.oswegofcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Oswego County Federal Credit Union rates compare?

Oswego County Federal Credit Union's top rates are 4.01% APY on its 9 Month CD - Platinum Plus Members, 5.00% APY on savings, 2.53% APY on money market, 3.25% APY on checking and personal loans from 8.00% APR, verified by MonitorBankRates on October 23, 2026. To compare Oswego County Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country.

Current Oswego County Federal Credit Union Rates

12-Month CD3.55%
18-Month CD2.02%
24-Month CD2.27%
Savings5.00%
MMA2.53%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Oswego County Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Oswego County Federal Credit Union Texas Ratio

Oswego County Federal Credit Union Health Trend

Oswego County Federal Credit Union CD Rates

Oswego County Federal Credit Union Savings Rates

Oswego County Federal Credit Union Money Market Rates

Oswego County Federal Credit Union Checking Rates

Oswego County Federal Credit Union Home Equity & HELOC

Oswego County Federal Credit Union Auto Loan Rates

Oswego County Federal Credit Union RV, Boat and Powersport Loan Rates

Oswego County Federal Credit Union Personal Loan Rates

Oswego County Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Oswego County Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Oswego County Federal Credit Union

Does Oswego County Federal Credit Union offer CDs?

Are CDs from Oswego County Federal Credit Union NCUA insured?

What is the highest CD rate at Oswego County Federal Credit Union?

What CD terms does Oswego County Federal Credit Union offer?

What is the highest savings rate at Oswego County Federal Credit Union?

What is the highest money market rate at Oswego County Federal Credit Union?

What is the highest checking rate at Oswego County Federal Credit Union?

What is the lowest auto loan rate at Oswego County Federal Credit Union?

What is the lowest personal loan rate at Oswego County Federal Credit Union?

How many branches does Oswego County Federal Credit Union operate?

Is a member application needed to join Oswego County Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Oswego County Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Oswego County Federal Credit Union rates compare?

Current Oswego County Federal Credit Union Rates

Compare to Other Credit Unions