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 Oswego Teachers Employees 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.
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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: April 17, 2026
Oswego Teachers Employees Federal Credit Union's Personal Loan Rates are at 7.74%. MonitorBankRates evaluates the financial stability of Oswego Teachers Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.20%. Rates were last updated on 04/17/2026. Oswego Teachers Employees 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 Teachers Employees Federal Credit Union? Share your experience about Oswego Teachers Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Oswego Teachers Employees Federal Credit Union. Oswego Teachers Employees Federal Credit Union
Oswego Teachers Employees Fed CU 90 W Utica St
https://oswegoteacherscu.org Oswego, NY 13126 3048 
Oswego Teachers Employees Federal Credit Union Home Equity & HELOC
Oswego Teachers Employees Federal Credit Union Student Loan Rates
Oswego Teachers Employees Federal Credit Union Credit Card Rates
Oswego Teachers Employees Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Oswego Teachers Employees 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 Teachers Employees 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 Teachers Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Oswego Teachers Employees Federal Credit Union
Website
https://oswegoteacherscu.org
Address
90 W Utica St,
Oswego, NY 13126 3048
Phone
315-342-4574
Fax
315-342-2205
President
CEO
Joseph Dwyer
Full-Time Employees
7
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.20%
Return on Assets (ROA)
0.3621%
Return on Equity (ROE)
2.9354%
Non-Performing Loans Ratio (NPL)
0.04%
Total Assets
55,557,246
Total Amount of Shares and Deposits
48,252,074
Total Shares and Deposits < 1 Year
48,252,074
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,402,248
Total Uninsured Shares and Deposits > $250K (F+J)
4,402,248
Total Insured Shares and Deposits > $250K (item 17 less item K)
43,849,826
Total Interest Expense (Sum of items 6 8)
657,598
Number of Accounts for Share Drafts
1,283
IRA KEOGH Accounts
29
Number of Accounts for Regular Shares
2,832
Money Market Shares
514
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,313,978
Total Liabilities
48,704,699
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Oswego Teachers Employees Federal Credit UnionIs Oswego Teachers Employees Federal Credit Union a safe place to deposit money?Yes, Oswego Teachers Employees Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.2028296923757%, 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 Teachers Employees Federal Credit Union operate?Oswego Teachers Employees 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 Teachers Employees Federal Credit Union?Yes, to access services at Oswego Teachers Employees 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 Teachers Employees 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 Teachers Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Oswego Teachers Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Oswego Teachers Employees 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://oswegoteacherscu.org. Compare to Other Credit Unions
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