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iAdvertiser Disclosure
Advertiser Disclosure
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 Oswego County Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 18, 2026
Oswego County Federal Credit Union's 9 month - New Money CDs rates are at 3.81%, 12 month CDs rates are at 3.55%, 24 month CDs rates are at 3.04%, 36 month CDs rates are at 2.27%, 18 month CDs rates are at 2.02%. Oswego County Federal Credit Union's Personal Loan Rates are at 5.99%. 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 5.96%. Rates were last updated on 04/18/2026. 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 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
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
Harrison Greeney
CEO
William Carhart
Full-Time Employees
53
Part-Time Employees
1
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.96%
Return on Assets (ROA)
0.9524%
Return on Equity (ROE)
7.9671%
Non-Performing Loans Ratio (NPL)
0.99%
Total Assets
143,120,781
Total Amount of Shares and Deposits
125,120,747
Total Shares and Deposits < 1 Year
105,570,192
Total Shares and Deposits 1 3 Years
19,550,555
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,738,950
Total Uninsured Shares and Deposits > $250K (F+J)
8,738,950
Total Insured Shares and Deposits > $250K (item 17 less item K)
116,381,797
Total Interest Expense (Sum of items 6 8)
1,097,246
Share Certificates
947
Number of Accounts for Share Drafts
10,676
IRA KEOGH Accounts
201
Number of Accounts for Regular Shares
14,798
All other shares
4,444
Money Market Shares
149
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,820,148
Total Liabilities
126,002,676
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Oswego County Federal Credit UnionIs Oswego County Federal Credit Union a safe place to deposit money?Yes, Oswego County Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.9585703457042%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does 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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