Credit union · NCUA insured
Oswego County Federal Credit Union Savings Rates
Top CarrotOswego County Federal Credit Union’s best savings rate is 1.16% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Oswego County Federal Credit Union’s savings 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
1.16%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $116
Money Market Account
Top rate
Canandaigua National Bank
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
Ukrainian Federal Credit Union
2.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $202
Oswego County Federal Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.16%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.16%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Round Up Savings
5.00%APY
Every purchase with an OCFCU debit card is rounded up to the nearest dollar and deposited into the Round Up account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Interest paid on balances up to $2,500.Up to $2,500 | 5.00% | — | Interest paid on balances up to $2,500. |
Sources (1)
- oswegofcu.org/accounts/round-up-savings · captured Oct 16, 2026
Money Market Account
1.16%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 1.00% | — |
| $10,000 – $25,000 | 1.16% | $116 |
| $25,000 – $50,000 | 1.26% | — |
| $50,000 – $100,000 | 1.36% | — |
| $100,000 – $250,000 | 2.27% | — |
| $250,000 and up | 2.53% | — |
Sources (1)
- oswegofcu.org/accounts/money-market-accounts · captured Sep 17, 2026
Lucky Savers
1.00%APY · 1 term
Must be 18 years of age or older and an Oswego County Federal Credit Union member with accounts in good standing. Business and Trust accounts are not eligible.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividend earned if held for full 12-month term. Each $25 deposit (up to $250 per month) earns an entry into monthly (up to $100) and quarterly (up to $5,000) cash prize drawings (up to 10 entries per month) | 1.00% | $100 |
Sources (1)
- oswegofcu.org/accounts/lucky-savers · captured Oct 16, 2026
Share Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,500 | 0.25% | — |
| $2,500 – $10,000 | 0.25% | — |
| $10,000 and up | 0.25% | $25 |
Sources (1)
- oswegofcu.org/accounts/savings-accounts · captured Oct 16, 2026
Special-purpose accounts
IRA Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,500 | 0.25% | — |
| $2,500 – $10,000 | 0.25% | — |
| $10,000 and up | 0.25% | $25 |
Sources (1)
- oswegofcu.org/accounts/savings-accounts · 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.