Oswego County Federal Credit Union

Social
  • +1

A short history of Oswego County FCU

Since its inception in 1975 the Oswego County Federal Credit Union has been serving its members in the OSWEGO, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by William Carhart, the Oswego County FCU has grown its membership to over 12,347 with assets of more than $79,583,226. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (315) 343-7822 or email them at octyfede@cnymail.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in OSWEGO, NY.

General Information For Oswego County FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 21927
Address P.O. BOX 310 
City OSWEGO 
State New York 
Zip-Code 13126
Phone Number (315) 343-7822
Fax Number (315) 343-7826
Email Address: octyfede@cnymail.com
CEO/President William Carhart
Members 12,347 
Full-Time Employees 32 
Part-Time Employees
Number of Branch Offices
Total Assets 79,583,226 
Website http://www.oswegofcu.org 

Compare Oswego County Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Compass CU Compass Credit Union Office SUNY Oswego 13126 (315) 312-2191 No 2.53
Oswego Teachers Employees CU Oswego Teachers Employees Fed. CU 113 W Albany St 13126 (315) 342-4574 No 3.40
Edge CU main location 7545 Morgan Rd 13090 (315) 451-0105 No 24.13
Syracuse Postal CU syracuse 5640 e taft rd 13220 (315) 458-5550 No 26.99
Westar CU Westar Federal Credit Union 2565 Hambletonian Way 13031 (315) 672-7827 No 28.26

Oswego County Federal Credit Union Financial Performance Charts


Performance Charts

Website Image

Financial Data


Oswego County Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.25 3.00 4.00 4.50 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 178 146 203 205 168
Rank Among All New York Credit Unions 29 63 64 70 53

Oswego County Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 1.75 0.30 N/A 0.40 4.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 26 88 N/A 284 3
Rank Among All New York Credit Unions 1 24 N/A 74 1
Oswego County Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.2503,2207,258,090
All Other Unsecured Loans/Lines of Credit 10.7502,0435,501,290
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 4.500712,020,509
New Vehicle Loans 3.0004588,640,553
Used Vehicle Loans 4.0001,44313,863,347
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.500371,801,255
Total Other Real Estate Loans/Lines of Credit 4.50039517,774,988
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.0005245,073,106
TOTAL LOANS & LEASES 8,19161,933,138

Oswego County Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 371,801,2551114,320
    b. 15 Years or less 0000
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 38517,591,386351,645,642
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 10183,60210183,602
Open-End Fixed Rate 0000
TOTALS 43219,576,243461,943,564

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Oswego County Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes