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ONEIDA COUNTY

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ONEIDA COUNTY Rates & Review October 2026

Q: How many branches does ONEIDA COUNTY operate?

ONEIDA COUNTY 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 ONEIDA COUNTY?

Yes, to access services at ONEIDA COUNTY, 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: Is there a first-time homebuyer program?

Currently, ONEIDA COUNTY 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ONEIDA COUNTY 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 13, 2026

ONEIDA COUNTY's top rates as of October 13, 2026 are personal loans from 10.00% APR, and credit cards from 12.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of ONEIDA COUNTY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates last updated and verified on 10/13/2026.

ONEIDA COUNTY 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 ONEIDA COUNTY? Share your experience about ONEIDA COUNTY by leaving a review below, or read customer reviews before you decide to use ONEIDA COUNTY.

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

1.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

ONEIDA COUNTY
Oneida County Federal Federal Credit Union

800 Park Ave
Utica, NY 13501

http://www.oneidacfcu.org

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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.

ONEIDA COUNTY Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans	-	-	7.00%	10 years
Details Term: $10,000 - $75,000 (5-15 years) Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

ONEIDA COUNTY Auto Loan Rates

Product	Rate	Points	APR	Term
New Automobile	-	-	4.25%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New Automobile	-	-	4.50%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New Automobile	-	-	5.25%	49-84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Automobile (2014 or newer)	-	-	5.50%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Automobile (2014 or newer)	-	-	5.75%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New Recreation Vehicle (RV) Loan	-	-	6.00%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Automobile (2014 or newer)	-	-	6.00%	49-84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Recreation Vehicle (RV) Loan	-	-	6.75%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Automobile (2011-2013)	-	-	9.00%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

ONEIDA COUNTY RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Snowmobile, Jet Ski, Dirt Bike, & Trailers Loan	-	5.50%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New Snowmobile, Jet Ski, Dirt Bike, & Trailers Loan	-	6.00%	49-72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Snowmobile, Jet Ski, Dirt Bike, & Trailers Loan	-	6.00%	37-48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Snowmobile, Jet Ski, Dirt Bike, & Trailers Loan	-	6.25%	49-84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

ONEIDA COUNTY Credit Card Rates

Product	Rate	APR	View More
Visa Credit Cards	-	12.00%
Details Condition: $500 - $5,000. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 12.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

ONEIDA COUNTY Personal Loan Rates

Product	APR	Term	View More
Personal Loans (Signature Loans)	10.00%
Details Condition: $1,000 - $10,000. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 10.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

ONEIDA COUNTY Other Rates

Product	Rate	Points	APY/APR	Term
New finance 90% Loan	-	-	6.25%	49-72 months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Refinanced Loan	-	-	14.00%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Tax Loan Special	-	-	7.50%	1 months
Details Term: $1,000 - $3,000 for 1 year Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used finance 80% Loan	-	-	7.25%	49-84 months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

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

ONEIDA COUNTY’s Texas Ratio rose from 0.29% in Q3 2023 to 1.02% 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	$14M	1.02%	5.0	A+
March 31, 2026	$14M	0.38%	5.0	A+
December 31, 2025	$14M	0.26%	5.0	A+
September 30, 2025	$14M	0.38%	5.0	A+
June 30, 2025	$15M	0.45%	5.0	A+
March 31, 2025	$15M	1.71%	5.0	A+
December 31, 2024	$14M	1.30%	5.0	A+
September 30, 2024	$15M	1.31%	5.0	A+
June 30, 2024	$14M	0.18%	5.0	A+
March 31, 2024	$15M	0.34%	5.0	A+
December 31, 2023	$14M	0.70%	5.0	A+
September 30, 2023	$15M	0.29%	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 ONEIDA COUNTY 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 ONEIDA COUNTY 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 ONEIDA COUNTY's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ONEIDA COUNTY

Website http://www.oneidacfcu.org

Address 800 Park Ave, Utica, NY 13501

Phone 315-798-5741

Fax

President Samuel Trapanick

CEO JULI EISENHART

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

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

1.02%

Return on Assets (ROA)

-0.0009%

Return on Equity (ROE)

-0.0070%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

13,535,229

Total Amount of Shares and Deposits

11,816,115

Total Shares and Deposits < 1 Year

11,816,115

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

11,816,115

Total Interest Expense (Sum of items 6 8)

37,040

Share Certificates

Number of Accounts for Share Drafts

608

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,165

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)

1,047,723

Total Liabilities

11,840,745

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

ONEIDA COUNTY 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/oneida-county-rates-review-13102">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       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 ONEIDA COUNTY

How many branches does ONEIDA COUNTY operate?

ONEIDA COUNTY 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 ONEIDA COUNTY?

Yes, to access services at ONEIDA COUNTY, 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, ONEIDA COUNTY 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, ONEIDA COUNTY provides members with tools to manage their accounts and build a solid financial history.

Does ONEIDA COUNTY offer online and mobile banking?

Most modern institutions like ONEIDA COUNTY 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: http://www.oneidacfcu.org.