Ontario Shores Federal Credit Union Rates and Review February 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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Ontario Shores Federal Credit Union's 15 month CD Special rates are at 3.75%, IRA CDs 12 month rates are at 3.50%, CDs 12 month rates are at 3.50%, IRA CDs 24 month rates are at 3.25%, IRA CDs 36 month rates are at 3.25%. Ontario Shores Federal Credit Union's savings rates are at 0.25%. Ontario Shores Federal Credit Union's money market rates are at 0.50%. Ontario Shores Federal Credit Union's Personal Loan Rates are at 11.10%.
Ontario Shores 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 Ontario Shores Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Ontario Shores Federal Credit Union Texas RatioOntario Shores Federal Credit Union's Texas Ratio is at 4.23%, which is considered excellent. The Texas Ratio for Ontario Shores Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Ontario Shores Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Ontario Shores Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Ontario Shores Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Ontario Shores Federal Credit Union
Ontario Shores FCU Newfane 2890 Transit Rd
Newfane, NY 14108 9740 
Ontario Shores Federal Credit Union CD Rates
Ontario Shores Federal Credit Union Savings Rates
Ontario Shores Federal Credit Union Money Market Rates
Ontario Shores Federal Credit Union Checking Rates
Ontario Shores Federal Credit Union Home Equity & HELOC
Ontario Shores Federal Credit Union Credit Card Rates
Ontario Shores Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Ontario Shores 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 Ontario Shores 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 Ontario Shores Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Ontario Shores Federal Credit Union
Website: https://www.osfcu.com
Full Time Employees: 27Part Time Employees: 1 President: Joseph Breczka CEO: Jeffrey Bell Branch Locations: 5 ATM Locations: 4 Corporate Office Address:
2890 Transit Rd
Newfane, NY 14108 9740 Phone Number: 716-778-7423 Fax Number: 716-778-8010 FinancialsTotal Assets:
191,472,206
Total Amount of Shares and Deposits:
170,047,870
Total Shares and Deposits < 1 Year:
162,289,232
Total Shares and Deposits 1 3 Years:
7,727,763
Total Shares and Deposits > 3 Years:
30,875
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
14,055,843
Total Uninsured Shares and Deposits > $250K (F+J):
14,055,843
Total Insured Shares and Deposits > $250K (item 17 less item K):
155,992,027
Total Interest Expense (Sum of items 6 8):
1,289,261
Share Certificates:
1,046
Number of Accounts for Share Drafts:
7,723
IRA KEOGH Accounts:
365
Number of Accounts for Regular Shares:
11,262
Money Market Shares:
218
Net Income (unless the amount is already included in Undivided Earnings):
1,276,255
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
10,605,382
Total Liabilities:
170,768,211
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsZaoi
December 17, 2025
UOuR
Add Your Rating and Review for Ontario Shores Federal Credit Union
Frequently Asked Questions About Ontario Shores Federal Credit UnionIs a member application needed to join Ontario Shores Federal Credit Union?Yes, to access services at Ontario Shores Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Ontario Shores Federal Credit Union provides a range of mortgage and home equity products. Is Ontario Shores Federal Credit Union a safe place to deposit money?Yes, Ontario Shores Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Ontario Shores Federal Credit Union offer online and mobile banking?Most modern institutions like Ontario Shores Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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