Credit union · NCUA insured
Oswego Teachers Employees Federal Credit Union
A $59M credit union headquartered in Oswego, NY, with 2,587 members and 1 branch in New York. Best rates: savings 1.41% APY.
Oswego Teachers Employees Federal Credit Union Carrot Score
80
Carrot Score
Higher than 52% of U.S. banks and credit unions
#17 of 32 in Syracuse, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Oswego Teachers Employees Federal Credit Union
Founded in 1961 by ten educators from the Oswego City School District, Oswego Teachers Employees Federal Credit Union is headquartered in Oswego, New York.
The member-owned financial cooperative focuses on providing personalized financial services to local educators and school district communities.
- Headquarters
- 90 W Utica St, Oswego, NY 13126-3048
- NCUA charter
- 14436
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Oswego Players, Inc. are eligible for membership.
Military, government and schools
- Employees of Oswego City Library are eligible for membership.
- Employees of the A.P.W., Central Square, Hannibal, Mexico, Oswego, Pulaski, and Sandy Creek school districts, and B.O.C.E.S. are eligible for membership.
Family and household
- Family members related to an Oswego County School employee are eligible for membership.
Branches
1 branch in New York
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New York
1 branch
- Oswego Teachers Employees Fed. CUMain office90 W Utica St, Oswego, NY 13126Directions
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 | 11.73% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.11% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio11.73%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.11%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$77Peers’ 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 Oswego Teachers Employees 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.