Credit union · NCUA insured
G.P.O. Federal Credit Union
Top CarrotA $621.7M credit union headquartered in New Hartford, NY, with 43,222 members and 8 branches in New York. Best rates: CDs 4.50% and savings 1.30% APY.
G.P.O. Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#3 of 16 in Utica, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About G.P.O. Federal Credit Union
GPO Federal Credit Union is a member-owned financial cooperative operating nine branches across Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, and Essex counties.
- Headquarters
- 4311 Middle Settlement Rd, New Hartford, NY 13413
- NCUA charter
- 22931
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals qualify for membership if they live, work, attend school, worship, or regularly conduct business in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County.
- Individuals qualify for membership by volunteering within the field of membership across eligible counties.
Family and household
- Immediate family or household members are eligible for membership.
Other ways
- Organizations, corporations, businesses, and other legal entities located in eligible areas or within the field of membership qualify for membership.
Branches
8 branches in New York
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New York
8 branches
Utica area · 7
- GPO Federal Credit Union8585 State Route 28, Barneveld, NY 13304Directions
- GPO Federal Credit Union39 N Main St, Dolgeville, NY 13329Directions
- GPO Federal Credit Union3 Central Plz, Ilion, NY 13357Directions
- GPO Federal Credit Union4311 Middle Settlement Rd, New Hartford, NY 13413Directions
- GPO Federal Credit Union1701 N James St, Rome, NY 13440Directions
- GPO Federal Credit Union301 Bleecker St, Utica, NY 13501Directions
- GPO Federal Credit Union2711 Genesee St, Utica, NY 13501Directions
Syracuse area · 1
- GPO Federal Credit Union1000 Oneida Plaza Dr, Oneida, NY 13421Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.70% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.39% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.13% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $60 | $76 | — |
- CapitalNet worth ratio11.70%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.39%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.13%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$60Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of G.P.O. Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.