Credit union · NCUA insured
Oswego County Federal Credit Union CD Rates
Top CarrotOswego County Federal Credit Union’s best CD rate is 4.01% APY on a 9-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Oswego County Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where Oswego County Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Oswego County Federal Credit Union
4.01%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $299
Share Certificates for Platinum Plus Members
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
Oswego County Federal Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo4.01%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.78%
- QualifiedQualified4.01%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Oswego County Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.01%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.51% | $75 |
| 9 monthsNew Money | 4.01% | $299 |
| 12 months | 3.55% | $355 |
| 18 months | 2.02% | $305 |
| 24 months | 2.27% | $459 |
| 36 months | 2.27% | $697 |
Sources (2)
All captured Oct 16, 2026
Share Certificates for Platinum Plus Members
Up to 4.01%APY · 6 terms
Available to Platinum Plus Members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.02% | $100 |
| 9 monthsNew Money | 4.01% | $299 |
| 12 months | 3.55% | $355 |
| 18 months | 2.53% | $382 |
| 24 months | 2.78% | $564 |
| 36 months | 2.78% | $857 |
Sources (2)
All captured Oct 16, 2026
Who can join Oswego County Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.