Credit union · NCUA insured
Oswego County Federal Credit Union
Top CarrotA $151.9M credit union headquartered in Oswego, NY, with 14,601 members and 5 branches in New York. Best rates: CDs 4.01% and savings 1.16% APY.
Oswego County Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#4 of 32 in Syracuse, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Oswego County Federal Credit Union
Founded in 1975, Oswego County FCU is a member-owned financial cooperative.
The credit union serves approximately 11,000 members throughout Oswego County.
- Headquarters
- 90 E Bridge St, Oswego, NY 13126
- NCUA charter
- 21927
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Oswego County is eligible to join.
Cost to join
- Membership is free for life, and the first account opened upon joining is a Share Savings Account.
Branches
5 branches in New York
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New York
5 branches
- East OfficeMain office90 E Bridge St, Oswego, NY 13126Directions
- Fulton Branch707 s 4th st, Fulton, NY 13069Directions
- Mexico Office5800 Scenic Ave, Mexico, NY 13114Directions
- Oswego West262 W Seneca St, Oswego, NY 13126Directions
- Phoenix101 Volney ST, Phoenix, NY 13135Directions
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 | 12.07% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.06% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.26% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio12.07%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.06%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.26%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 Oswego 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.