Credit union · NCUA insured
Oneida County Federal Credit Union
A $13.8M credit union headquartered in Utica, NY, with 1,488 members and 1 branch in New York.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Savings: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.56%CD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Oneida County Federal Credit Union
Chartered in June 1957, Oneida County Federal Credit Union is headquartered in Utica, New York.
- Headquarters
- 800 Park Ave, Utica, NY 13501
- NCUA charter
- 13102
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current or former employees of Central New York Abstract Corporation (in the Oneida County Clerk's Office) are eligible for membership.
Military, government and schools
- Current or former employees of specified government and municipal entities (Oneida County, Water Board, Village of Clinton, Village of Yorkville, Village of Waterville, Village of Whitesboro, Town of New Hartford, City Of Utica, State of New York (Courts), Municipal Housing Authority, Village of New Hartford, Town of Vienna, New York Mills, Oneida County Solid Waste Authority) are eligible for membership.
Family and household
- Immediate family members of current or former employees of qualifying employer and municipal groups are eligible for membership.
Branches
1 branch in New York
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New York
1 branch
- Oneida County Federal Federal Credit UnionMain office800 Park Ave, Utica, NY 13501Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.52% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.38% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.00% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $39 | $59 | — |
- CapitalNet worth ratio12.52%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.38%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.00%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$39Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Oneida County 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.