What are the current interest rates at Olean Teachers And Postal Federal Credit Union?

Current rates for Olean Teachers And Postal Federal Credit Union include: 12-Month CD: 0.50%, 24-Month CD: 0.70%, 60-Month CD: 0.70%, Savings: 0.50%

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Olean Teachers And Postal Federal Credit Union

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Olean Teachers And Postal Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Olean Teachers And Postal Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Olean Teachers And Postal Federal Credit Union's top rates as of October 12, 2026 are 0.75% APY on its 36 Month Term CD Account, 0.50% APY on savings, and personal loans from 9.00% APR, according to rates verified by MonitorBankRates. Other Olean Teachers And Postal Federal Credit Union CD rates include 24 Month Term CD Account at 0.70%, 60 Month Term CD Account at 0.70%, and 48 Month Term CD Account at 0.65%. MonitorBankRates evaluates the financial stability of Olean Teachers And Postal Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.41%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.41%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Olean Teachers And Postal Federal Credit Union
OLEAN TEACHERS' & POSTAL FEDERAL CREDIT UNION

1700 CONSTITUTION AVE
OLEAN, NY 14760

https://otpfcu.com

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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.

Olean Teachers And Postal Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Term Share Certificate Account	0.75%	0.75%	36 months (3 years)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates auto-renew at maturity Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
24 Month Term Share Certificate Account	0.70%	0.70%	24 months (2 years)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates auto-renew at maturity Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
60 Month Term Share Certificate Account	0.70%	0.70%	60 months (5 years)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates auto-renew at maturity Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
48 Month Term Share Certificate Account	0.65%	0.65%	48 months (4 years)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates auto-renew at maturity Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
12 Month Term Share Certificate Account	0.50%	0.50%	12 months (1 year)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates auto-renew at maturity Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

Olean Teachers And Postal Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.50%	0.50%
Min Balance $0 Details Balance: $0.01 and over; Christmas, Vacation, and Summer Payment Accounts; minimum balance of $0.01 to receive a dividend Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Regular share Savings Accounts	0.50%	0.50%
Min Balance $100 Details Balance: $100.00 and over; Dividend Rate: 0.50%; $5.00 must remain in the account at all times; $1.00 membership fee to set up a new share account Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

Olean Teachers And Postal Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.49%	up to 48 months
Details Published APR range: 4.49% - 12.24%. Auto (2024 & newer) 102% of NADA plus taxes and fees. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
New Auto	-	-	4.69%	49 - 60 months
Details Published APR range: 4.69% - 12.44%. Auto (2024 & newer) 102% of NADA plus taxes and fees. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Used Auto	-	-	4.69%	up to 48 months
Details Published APR range: 4.69% - 12.44%. Used Auto (2023 & Older) 102% of NADA plus taxes and fees.; 2016 and older cannot exceed a 36-month term Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.69% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Used Auto	-	-	4.89%	49 - 60 months
Details Published APR range: 4.89% - 12.64%. Used Auto (2023 & Older) 102% of NADA plus taxes and fees.; 2016 and older cannot exceed a 36-month term Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.89% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
New Auto	-	-	4.99%	61 - 72 months
Details Published APR range: 4.99% - 12.74%. Auto (2024 & newer) 102% of NADA plus taxes and fees. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Used Auto	-	-	5.19%	61 - 72 months
Details Published APR range: 5.19% - 12.94%. Used Auto (2023 & Older) 102% of NADA plus taxes and fees.; 2016 and older cannot exceed a 36-month term Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.19% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Recreation vehicle Loan	-	-	5.25%	0 - 51 months
Details Published APR range: 5.25% - 13.00%. Recreational vehicle (anything that can be registered); borrowing less than $40,000.00 cannot exceed 6 years; will loan up to 90% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Recreation vehicle Loan	-	-	5.40%	52 - 63 months
Details Published APR range: 5.40% - 13.15%. Recreational vehicle (anything that can be registered); borrowing less than $40,000.00 cannot exceed 6 years; will loan up to 90% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
New Auto	-	-	5.49%	73 - 84 months
Details Published APR range: 5.49% - 13.24%. Auto (2024 & newer) 102% of NADA plus taxes and fees. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Used Auto	-	-	5.89%	73 - 84 months
Details Published APR range: 5.89% - 13.64%. Used Auto (2023 & Older) 102% of NADA plus taxes and fees.; 2016 and older cannot exceed a 36-month term Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.89% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Recreation vehicle Loan	-	-	6.00%	64 - 71 months
Details Published APR range: 6.00% - 13.75%. Recreational vehicle (anything that can be registered); borrowing less than $40,000.00 cannot exceed 6 years; will loan up to 90% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Recreation vehicle Loan	-	-	6.25%	72 - 120 months
Details Published APR range: 6.25% - 14.00%. Recreational vehicle (anything that can be registered); borrowing less than $40,000.00 cannot exceed 6 years; will loan up to 90% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

Olean Teachers And Postal Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured loan	9.00%	up to 60 months
Details Published APR range: 9.0% - 18.00%. Signature, Co-Signer, Co-Applicant; will loan up to 25% of provable income; can be used for almost any purpose Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Signature loan	10.00%	up to 60 months
Details Published APR range: 10.00% - 17.25%. Co-Signer, Co-App., Guarantor Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

Olean Teachers And Postal Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Collateral loan	-	-	8.50%	up to 60 months
Details Published APR range: 8.50% - 16.25%. Any big purchase item that has a serial number, as long as a UCC form can be filed Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Fall Into the Holidays Loan Special	-	-	6.75%	36 months
Details As Low As; Up to $10,000.00; Begins 9/1/2026 Ends 12/31/2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Fall Into the Holidays Loan Special	-	-	6.99%	60 months
Details As Low As; Up to $10,000.00; Begins 9/1/2026 Ends 12/31/2026 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Home Improvement Loan	-	-	6.25%	36 months
Details As Low As; Amount: up to $7,500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Home Improvement Loan	-	-	6.50%	60 months
Details As Low As; Amount: up to $7,500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
The Great Pumpkin Loan Special	-	-	4.49%	24 months
Details As Low As; Up to $5,000 for 24 months; Begins 9/1/2026 Ends 10/31/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Escrow Accounts	0.10%	-	0.10%
Min Balance $0 Details Balance: $0.01 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Term Share Certificate Account - 12 months	0.50%	-	0.50%	12 months (1 year)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates automatically renew at maturity unless otherwise notified Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Term Share Certificate Account - 24 months	0.70%	-	0.70%	24 months (2 years)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates automatically renew at maturity unless otherwise notified Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Term Share Certificate Account - 36 months	0.75%	-	0.75%	36 months (3 years)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates automatically renew at maturity unless otherwise notified Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Term Share Certificate Account - 48 months	0.65%	-	0.65%	48 months (4 years)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates automatically renew at maturity unless otherwise notified Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Term Share Certificate Account - 60 months	0.70%	-	0.70%	60 months (5 years)
Min Deposit $500 Details Dividends paid quarterly into the certificate; early redemption penalty applies; certificates automatically renew at maturity unless otherwise notified Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

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

Olean Teachers And Postal Federal Credit Union’s Texas Ratio fell from 3.15% in Q3 2023 to 2.41% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the 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	$28M	2.41%	5.0	A+
March 31, 2026	$27M	2.07%	5.0	A+
December 31, 2025	$26M	3.20%	5.0	A+
September 30, 2025	$26M	3.62%	5.0	A+
June 30, 2025	$27M	3.28%	5.0	A+
March 31, 2025	$26M	2.76%	5.0	A+
December 31, 2024	$26M	7.76%	5.0	A
September 30, 2024	$26M	3.22%	5.0	A+
June 30, 2024	$26M	5.37%	5.0	A+
March 31, 2024	$26M	2.96%	5.0	A+
December 31, 2023	$25M	3.39%	5.0	A+
September 30, 2023	$25M	3.15%	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 Olean Teachers And Postal 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 Olean Teachers And Postal 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 Olean Teachers And Postal Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Olean Teachers And Postal Federal Credit Union

Website https://otpfcu.com

Address 1700 CONSTITUTION AVE, OLEAN, NY 14760

Phone 716-373-0155

Fax 716-373-1593

President FRANCES CLAWSON

CEO Rita Malone

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.41%

Return on Assets (ROA)

0.6577%

Return on Equity (ROE)

5.9322%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

27,635,600

Total Amount of Shares and Deposits

24,486,338

Total Shares and Deposits < 1 Year

23,519,164

Total Shares and Deposits 1 3 Years

952,742

Total Shares and Deposits > 3 Years

14,433

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

378,985

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

378,985

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

24,107,353

Total Interest Expense (Sum of items 6 8)

75,960

Share Certificates

122

Number of Accounts for Share Drafts

984

Number of Accounts for Regular Shares

2,261

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)

4,525,879

Total Liabilities

24,571,454

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Olean Teachers And Postal Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Olean Teachers And Postal Federal Credit Union

How many branches does Olean Teachers And Postal Federal Credit Union operate?

Olean Teachers And Postal 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 Olean Teachers And Postal Federal Credit Union?

Yes, to access services at Olean Teachers And Postal 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, Olean Teachers And Postal 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, Olean Teachers And Postal Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Olean Teachers And Postal Federal Credit Union offer online and mobile banking?

Most modern institutions like Olean Teachers And Postal 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://otpfcu.com.