What are the current interest rates at GPO Federal Credit Union?

Current rates for GPO Federal Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 1.60%, MMA: 1.60%

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GPO Federal Credit Union

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GPO Federal Credit Union Rates & Review October 2026

Q: How many branches does GPO Federal Credit Union operate?

GPO 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.

Q: Is a member application needed to join GPO Federal Credit Union?

Yes, to access services at GPO 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, GPO 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 9, 2026

GPO Federal Credit Union's top rates as of October 9, 2026 are 4.50% APY on its 11 Month CD Special, 1.60% APY on savings, 1.60% APY on money market accounts, 5.99% on its Warm Home Loan mortgage, personal loans from 8.99% APR, and credit cards from 7.99% APR, according to rates verified by MonitorBankRates. Other GPO Federal Credit Union CD rates include 11 Month IRA Term CD at 4.50%, 11 Month Term CD at 4.50%, and IRA Term CDs - 11 Month Special at 4.50%. MonitorBankRates evaluates the financial stability of GPO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.66%. Rates last updated and verified on 10/09/2026.

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

1.66%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

GPO Federal Credit Union
GPO Federal Credit Union

4311 Middle Settlement Rd
New Hartford, NY 13413

https://www.gpofcu.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.

GPO Federal Credit Union CD Rates

Product	Rate	APY	Term
11 Month Certificate Special	4.41%	4.50%	11 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
11 Month IRA Term Share Certificate	-	4.50%	11-month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. 4.50% APY based on 11-month Term Share Certificate Special. Minimum deposit to open and minimum balance required to earn the advertised APY is $1,000.00. Maximum deposit is $25,000. Limit one 11-month term share certificate per member during the promotional period. Early withdrawal penalties apply. Additional deposits are not allowed. Certificate Special will automatically renew into GPO's 12-month Term Share Certificate at the prevailing rate at the time of maturity. APY is accurate as of October 1, 2026. Rates are subject to change. Membership eligibility required. Federally insured by NCUA. See any GPO branch for current rate information and applicable terms and fees. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
11 Month Term Share Certificate	-	4.50%	11-month
Min Deposit $1,000 Min Balance $1,000 Details APY = Annual Percentage Yield. 4.50% APY based on 11-month Term Share Certificate Special. Minimum deposit to open and minimum balance required to earn the advertised APY is $1,000.00. Maximum deposit is $25,000. Limit one 11-month term share certificate per member during the promotional period. Early withdrawal penalties apply. Additional deposits are not allowed. Certificate Special will automatically renew into GPO's 12-month Term Share Certificate at the prevailing rate at the time of maturity. APY is accurate as of October 1, 2026. Rates are subject to change. Membership eligibility required. Federally insured by NCUA. See any GPO branch for current rate information and applicable terms and fees. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
IRA Term Share Certificates - 11 Month Special	4.41%	4.50%	11 Month
Details Special* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
12 Month Certificate	3.928%	4.00%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
6 Month Certificate	3.928%	4.00%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
IRA Term Share Certificates - 12 Month	3.928%	4.00%	12 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
24 Month Certificate	3.687%	3.75%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
36 Month Certificate	3.687%	3.75%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
48 Month Certificate	3.687%	3.75%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
60 Month Certificate	3.687%	3.75%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
IRA Term Share Certificates - 24 Month	3.687%	3.75%	24 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
IRA Term Share Certificates - 36 Month	3.687%	3.75%	36 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
IRA Term Share Certificates - 48 Month	3.687%	3.75%	48 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
IRA Term Share Certificates - 60 Month	3.687%	3.75%	60 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

GPO Federal Credit Union Savings Rates

Product	Rate	APY
Share Savings	1.588%	1.60%
Min Balance $50,000 Details Balance: $50,000 and up Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Share Savings	1.391%	1.40%
Min Balance $20,000 Details Balance: $20,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Share Savings	1.292%	1.30%
Min Balance $2,000 Details Balance: $2,000 to $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Bright Future Savings	0.25%	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Club Accounts	0.25%	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Health Savings Account (HSA)	0.25%	0.25%
Details *** Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Share Savings	0.25%	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

GPO Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Share & IRAs	1.588%	1.60%
Min Balance $50,000 Details Balance: $50,000 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Money Market Share & IRAs	1.391%	1.40%
Min Balance $20,000 Details Balance: $20,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Money Market Share & IRAs	1.292%	1.30%
Min Balance $2,000 Details Balance: $2,000 to $19,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Money Market IRA	0.20%	0.20%
Min Balance $2,000 Details APY = Annual Percentage Yield. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Dividends are compounded and posted monthly. Dividend earnings may be affected by fees. The rate on a money market share & money market IRA is variable and may change after account opening. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Money Market Share	0.20%	0.20%
Min Balance $2,000 Details APY = Annual Percentage Yield. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Dividends are compounded and posted monthly. Dividend earnings may be affected by fees. The rate on a money market share & money market IRA is variable and may change after account opening. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms. Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 1.30% → 0.20% ▼ 1.10 pts · high 1.30% / low 0.20% Oct 9, 20260.20%▼ from 1.30% Sep 21, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

GPO Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Warm Home Loan	-	-	5.99%	1 year
Details APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Warm Home loan at 5.99% APR would be Maximum loan amount of $3,000. See branch for full details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

GPO Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate	-	-	4.99%	1 to 60 Months
Details Additional APR listed for this product: 5.49%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 4.99% ▼ 0.50 pts · high 5.49% / low 4.99% Sep 17, 20264.99%▼ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Home Equity Fixed Rate	-	-	5.99%	61 to 120 Months
Details Additional APR listed for this product: 6.49%. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Home Equity Fixed Rate	-	-	5.99%	10 years
Details APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Monthly payments for 10 years at 5.99% would be00 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required. Consult a tax advisor for further information regarding the deductibility of interest and charges. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Home Equity Fixed Rate	-	-	6.49%	121 to 180 Months
Details Additional APR listed for this product: 6.99%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 6.49% ▼ 0.50 pts · high 6.99% / low 6.49% Sep 17, 20266.49%▼ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Home Equity Fixed Rate	-	-	6.74%	181 to 240 Months
Details Additional APR listed for this product: 7.24%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 6.74% ▼ 0.50 pts · high 7.24% / low 6.74% Sep 17, 20266.74%▼ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

GPO Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans (2023-2027)	-	-	3.99%	1 to 60 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.49% → 3.99% ▼ 0.50 pts · high 4.49% / low 3.99% Oct 5, 20263.99%▼ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Auto Loans (2023-2027)	-	-	3.99%	61 to 66 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 3.99% ▼ 0.75 pts · high 4.74% / low 3.99% Oct 5, 20263.99%▼ from 4.74% Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Auto Loans (2019-2022)	-	-	4.74%	1 to 60 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 4.74% ▼ 0.50 pts · high 5.24% / low 4.74% Oct 5, 20264.74%▼ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Auto Loans (2023-2027)	-	-	4.99%	67 to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Auto Loans (2023-2027)	-	-	5.74%	73 to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Auto Loans	-	-	5.74%	5 year
Details APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used auto loan at 5.74% APR would be See branch for full details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Auto Loans (2019-2022)	-	-	5.99%	61 to 66 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

GPO Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat, Motorcycle, or RV Loan	-	4.99%	24 to 60 months
Details Model Year: 2024 - 2027 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 4.99% ▼ 0.50 pts · high 5.49% / low 4.99% Oct 9, 20264.99%▼ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Boat, Motorcycle, or RV Loan	-	5.99%	1 to 66 months
Details Model Year: 2024 - 2027 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Boat, Motorcycle, or RV Loan	-	5.99%	61 to 72 months
Details Model Year: 2024 - 2027 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Boat, Motorcycle, or RV Loans	-	6.49%	1 to 66 months
Details Model Year: 2021 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Boat, Motorcycle, or RV Loans	-	6.49%	5 year
Details APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used boat, motorcycle or RV loan at 6.49% APR would be**Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Boat, Motorcycle, or RV Loan	-	6.79%	67 to 84 months
Details Model Year: 2024 - 2027 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Boat, Motorcycle, or RV Loans	-	7.49%	67 to 84 months
Details Model Year: 2021 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Boat, Motorcycle, or RV Loan	-	7.99%	85 to 120 months
Details Model Year: 2024 - 2027 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Boat, Motorcycle, or RV Loans	-	8.20%	85 to 120 months
Details Model Year: 2021 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 8.20% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Boat, Motorcycle, or RV Loan	-	8.99%	121 to 180 months
Details Model Year: 2024 - 2027 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Used Boat, Motorcycle, or RV Loans	-	10.49%	121 to 180 months
Details Model Year: 2021 - 2023 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
New Boat, Motorcycle, or RV Loans (2024-2027)	-	13.88%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

GPO Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Credit Cards	-	7.99%
Details APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply. Rates are determined by overall credit history and are subject to change without notice. Minimum interest charge is $1.00. Foreign Transaction Fee (Finance Charge) is 1% of each transaction amount. See any GPO branch for full details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Visa Platinum	-	7.99%
Details APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

GPO Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Unsecured Loans	8.99%	1 to 36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Personal Unsecured Loans	8.99%	37 to 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Personal Unsecured Loans	8.99%	4 year
Details APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 4 year personal loan at 8.99% APR would be See gpofcu.com or any GPO branch for full details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Personal Unsecured Loans	9.99%	49 to 63 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

GPO Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Account Type Loan	-	-	7.74%	1 to 36 months
Details Additional APR listed for this product: 8.99%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Account Type Loan	-	-	8.74%	37 to 48 months
Details Additional APR listed for this product: 8.99%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Account Type Loan	-	-	9.74%	49 to 63 months
Details Additional APR listed for this product: 9.99%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Account Type Loan	-	-	3.99%	1 to 60 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Account Type Loan	-	-	3.99%	61 to 66 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Account Type Loan	-	-	4.99%	67 to 72 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Account Type Loan	-	-	5.74%	73 to 84 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
First Lien Loan	-	-	4.99%	1 to 60 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
First Lien Loan	-	-	5.99%	61 to 120 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
First Lien Loan	-	-	6.49%	121 to 180 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
First Lien Loan	-	-	6.74%	181 to 240 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Flex Equity Variable Rate Loan	-	-	7.00%
Details APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Restrictions apply. Existing lines with new advances do not qualify. Mortgage tax, county recording fees and tax servicing fees apply. Limited time offer. See branch for full details. Rate converts to GPO's current line of credit rate, at the end of the 6 or 12 month. After 6 or 12 months, the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin. Prime rate as of 9/17/2026 is 7.00%. Minimum Line of Credit loan is $10,000. Rates can increase or decrease, but not to exceed 16.00% APR. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $958.50 for a $50,000 loan or $1,333.50 for a $100,000 loan. Homeowners insurance is required. Consult a tax advisor for deductibility for interest. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Holiday Loan	-	-	5.99%	1 to 12 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Holiday Loan	-	-	5.99%	1 year
Details APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Holiday loan at 5.99% APR would be Maximum loan amount of $2,000. See branch for full details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Line of Credit	-	-	13.88%
Details Model Year: 2024 - 2027 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.88% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Loan Payment Share Savings	0.25%	-	0.25%
Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Mechanical Breakdown Protection Loan	-	-	5.49%	3 year
Details APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 3 year MBP loan at 5.49% APR would be Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Payment Saver Lease-Like Loan	-	-	4.99%	60 months
Details APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. A typical Payment Saver loan of $30,000 at 4.99% APR would have 60 monthly payments at $389 each month, and would include a balloon payment amount due at loan maturity of $12,446. Loan amounts of $12,000 to $17,999 - add 1% to stated rate not to exceed 18.00%. See branch for full details. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 4.99% ▼ 0.50 pts · high 5.49% / low 4.99% Oct 9, 20264.99%▼ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Qualifications Loan	-	-	6.49%	1 to 66 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Qualifications Loan	-	-	7.49%	67 to 84 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Qualifications Loan	-	-	8.20%	85 to 120 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Qualifications Loan	-	-	10.49%	121 to 180 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Save & Boost Credit Loan	-	-	3.99%	1 year
Details APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Monthly payments for a 1 year Save & Boost Credit Loan secured by a Share Savings would be99% APR. Maximum loan amount of $2,500. See branch for full details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 3.99% ▼ 0.50 pts · high 4.49% / low 3.99% Oct 9, 20263.99%▼ from 4.49%* Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Second Lien Loan	-	-	5.49%	1 to 60 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Second Lien Loan	-	-	6.49%	61 to 120 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Second Lien Loan	-	-	6.99%	121 to 180 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Second Lien Loan	-	-	7.24%	181 to 240 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Second Lien Loan	-	-	5.99%	1 to 12 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Skip To Main Content Loan	-	-	5.99%	61 to 66 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Skip To Main Content Loan	-	-	5.49%	12 to 36 months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Skip To Main Content Loan	-	-	3.99%	1 to 60 months
Details Additional APR listed for this product: 4.74%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%
Kids' Cash Savings	0.25%	-	0.25%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.66%

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.
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Financial Health History

GPO Federal Credit Union’s Texas Ratio rose from 1.11% in Q3 2023 to 1.66% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$630M	1.66%	5.0	A+
March 31, 2026	$622M	1.86%	5.0	A+
December 31, 2025	$608M	2.06%	5.0	A+
September 30, 2025	$591M	1.97%	5.0	A+
June 30, 2025	$580M	1.83%	5.0	A+
March 31, 2025	$569M	1.51%	5.0	A+
December 31, 2024	$549M	1.93%	5.0	A+
September 30, 2024	$537M	1.54%	5.0	A+
June 30, 2024	$527M	1.54%	5.0	A+
March 31, 2024	$520M	1.53%	5.0	A+
December 31, 2023	$508M	1.49%	5.0	A+
September 30, 2023	$493M	1.11%	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 GPO 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 GPO 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 GPO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name GPO Federal Credit Union

Website https://www.gpofcu.com

Address 4311 Middle Settlement Rd, New Hartford, NY 13413

Phone 315-724-1654

Fax 315-737-2990

President Leo Callari

CEO Nicholas Mayhew

Full-Time Employees 126

Part-Time Employees 3

Branch Locations 8

ATM Locations 8

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

1.66%

Return on Assets (ROA)

0.5534%

Return on Equity (ROE)

4.7290%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

629,772,518

Total Amount of Shares and Deposits

552,238,455

Total Shares and Deposits < 1 Year

511,275,908

Total Shares and Deposits 1 3 Years

31,490,193

Total Shares and Deposits > 3 Years

9,472,351

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

26,062,134

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

26,062,134

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

526,176,321

Total Interest Expense (Sum of items 6 8)

4,410,313

Share Certificates

5,049

Number of Accounts for Share Drafts

30,493

IRA KEOGH Accounts

1,034

Number of Accounts for Regular Shares

44,693

All other shares

3,531

Money Market Shares

3,130

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)

54,676,169

Total Liabilities

556,071,795

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

GPO 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About GPO Federal Credit Union

How many branches does GPO Federal Credit Union operate?

GPO 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 GPO Federal Credit Union?

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

Does GPO Federal Credit Union offer online and mobile banking?

Most modern institutions like GPO 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.gpofcu.com.

Current GPO Federal Credit Union Rates

12-Month CD4.00%
24-Month CD3.75%
60-Month CD3.75%
Savings1.60%
MMA1.60%

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

Compare to Other Credit Unions

GPO Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

GPO Federal Credit Union Texas Ratio

GPO Federal Credit Union Health Trend

GPO Federal Credit Union CD Rates

GPO Federal Credit Union Savings Rates

GPO Federal Credit Union Money Market Rates

GPO Federal Credit Union Mortgage Rates

GPO Federal Credit Union Home Equity & HELOC

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GPO Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

GPO Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About GPO Federal Credit Union

How many branches does GPO Federal Credit Union operate?

Is a member application needed to join GPO Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does GPO Federal Credit Union offer online and mobile banking?

Current GPO Federal Credit Union Rates

Compare to Other Credit Unions