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 Oswego County Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 4, 2026
Oswego County Federal Credit Union's 12 Month CD rates are at 3.55%, 24 month rates are at 2.78%, 36 month rates are at 2.78%, 18 month rates are at 2.53%, 24 Month CD rates are at 2.27%. Oswego County Federal Credit Union's savings rates are at 5.00%. Oswego County Federal Credit Union's Personal Loan Rates are at 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 12.07%. Rates last updated and verified on 09/04/2026. 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. Oswego County Federal Credit Union
East Office 90 E Bridge St
https://www.oswegofcu.org Oswego, NY 13126 
Oswego County Federal Credit Union CD Rates
Oswego County Federal Credit Union Savings 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 Credit Card Rates
Oswego County Federal Credit Union Personal Loan Rates
Financial Health HistoryOswego County Federal Credit Union’s Texas Ratio rose from 6.71% in Q2 2023 to 12.07% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.07%
Return on Assets (ROA)
0.2807%
Return on Equity (ROE)
2.3841%
Non-Performing Loans Ratio (NPL)
2.28%
Total Assets
151,939,511
Total Amount of Shares and Deposits
132,512,793
Total Shares and Deposits < 1 Year
110,998,668
Total Shares and Deposits 1 3 Years
21,514,124
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,976,340
Total Uninsured Shares and Deposits > $250K (F+J)
3,976,340
Total Insured Shares and Deposits > $250K (item 17 less item K)
128,536,453
Total Interest Expense (Sum of items 6 8)
341,503
Share Certificates
918
Number of Accounts for Share Drafts
10,462
IRA KEOGH Accounts
254
Number of Accounts for Regular Shares
14,873
All other shares
4,487
Money Market Shares
159
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)
20,445,029
Total Liabilities
133,954,730
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Oswego County Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Oswego County Federal Credit Union
Frequently Asked Questions About Oswego County Federal Credit UnionHow 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. Current Oswego County Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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