Oswego County Federal Credit Union Rates and Review January 2026
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Brian McKay
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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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Compare Oswego County Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Oswego County Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityOswego County 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 CD rates or other rates available. Have you opened an account or have any experiences at Oswego County Federal Credit Union? Share your experience about Oswego County Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Oswego County Federal Credit Union. Overall, Oswego County Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Oswego County Federal Credit Union East Office 90 E Bridge St Oswego, NY 13126  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonSIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
Visa Platinum Rewards
14.900%
Rewards Student Classic
16.500%
Credit Limit - $500
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonCredit Builder Loan
9.000%
$0
Personal Loan
9.200% - 17.950%
$0 - $15,000
60 - 60
Personal Loan
9.200% - 17.950%
$0 - $500
48 - 48
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Oswego County Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Oswego County Federal Credit Union
Website: https://www.oswegofcu.org
Full Time Employees: 53Part Time Employees: 1 President: Harrison Greeney CEO: William Carhart Branch Locations: 5 ATM Locations: 5 Corporate Office Address:
90 E Bridge St
Oswego, NY 13126 Phone Number: 315-343-7822 Fax Number: 315-343-7826 FinancialsTotal Assets:
143,120,781
Total Amount of Shares and Deposits:
125,120,747
Total Shares and Deposits < 1 Year:
105,570,192
Total Shares and Deposits 1 3 Years:
19,550,555
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
8,738,950
Total Uninsured Shares and Deposits > $250K (F+J):
8,738,950
Total Insured Shares and Deposits > $250K (item 17 less item K):
116,381,797
Total Interest Expense (Sum of items 6 8):
1,097,246
Share Certificates:
947
Number of Accounts for Share Drafts:
10,676
IRA KEOGH Accounts:
201
Number of Accounts for Regular Shares:
14,798
All other shares:
4,444
Money Market Shares:
149
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
10,820,148
Total Liabilities:
126,002,676
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Oswego County Federal Credit UnionIs a member application needed to join Oswego County Federal Credit Union?Yes, to access services at Oswego County Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Oswego County Federal Credit Union provides a range of mortgage and home equity products. Is Oswego County Federal Credit Union a safe place to deposit money?Yes, Oswego County Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Oswego County Federal Credit Union offer online and mobile banking?Most modern institutions like Oswego County Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 0.90%, 6-month CD rates at 3.56% and 3-month CD rates at 2.78%. Savings rates are at 0.75% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 5.89%. Credit Card rates are at 12.24%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates which you can compare to 
