Credit union · NCUA insured
Oswego Teachers Employees Federal Credit Union Savings Rates
Oswego Teachers Employees Federal Credit Union’s best savings rate is 1.41% APY on $10,000, with its High Yield Savings. Rates checked October 16, 2026.
How Oswego Teachers Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Syracuse, NY, where Oswego Teachers Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Oswego Teachers Employees Federal Credit Union
1.41%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $141
High Yield Savings
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 Teachers Employees Federal Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.41%
- $100,000 balance$100,0002.73%
- QualifiedQualified1.41%
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 Teachers Employees 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.
High Yield Savings
1.41%APY
Day-of-deposit, day-of-withdrawal account. Minimum deposit is $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.25% | — |
| $2,500 – $10,000 | 1.31% | — |
| $10,000 – $25,000 | 1.41% | $141 |
| $25,000 – $50,000 | 1.61% | — |
| $50,000 – $100,000 | 2.63% | — |
| $100,000 – $200,000 | 2.73% | — |
| $200,000 – $1,000,000 | 3.04% | — |
| Over $1,000,000 | 3.14% | — |
Miscellaneous and Travel
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- otfcu.com/savings-rates · captured Oct 5, 2026
Regular Shares
0.25%APY
Day-of-deposit, day-of-withdrawal savings account. Minimum share balance to be a member of the Credit Union is $5.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.25% | $25 |
Summer Savings
0.25%APY
Save during the school year to provide income during summer months. Automatically sends a check every two weeks over the summer (5 checks total).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Special-purpose accounts
Christmas Club
0.25%APY
Save over the course of the year for Holiday expenditures. A check for the balance of savings is mailed in October.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (2)
All captured Oct 5, 2026
IRA Shares
0.25%APY
IRA accounts are separately insured up to $250,000 by the NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.25% | $25 |
Sources (1)
- otfcu.com/savings-rates · captured Oct 5, 2026
Who can join Oswego Teachers Employees Federal Credit Union
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.
Membership information collected October 5, 2026.