Oswego Teachers Employees Federal Credit Union

A short history of Oswego Teachers Employees FCU

Since its inception in 1961 the Oswego Teachers Employees 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 Donna Hanson, the Oswego Teachers Employees FCU has grown its membership to over 2,752 with assets of more than $39,437,712. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (315) 342-4574 or email them at info@oswegoteacherscu.org 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 Teachers Employees FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Compare Oswego Teachers Employees 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 County CU	Fulton Branch	707 s 4th st	13069	(315) 887-1030	No	2.62
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 Teachers Employees Federal Credit Union Financial Performance Charts

Financial Data

Oswego Teachers Employees 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	9.50	2.49	3.24	3.15	3.90
Mean Rate For All USA Based Credit Unions	10.56	3.72	5.00	4.48	4.95
Rank Among All USA Credit Unions	201	83	119	39	90
Rank Among All New York Credit Unions	36	38	38	9	29

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

	Checking	Regular Savings	Money Market	Certificates of Deposits	IRA/KEOGH
Rate	N/A	0.20	0.70	N/A	0.40
Mean Rate For All USA Based Credit Unions	0.19	0.26	0.29	0.73	0.66
Rank Among All USA Credit Unions	N/A	108	36	N/A	243
Rank Among All New York Credit Unions	N/A	27	9	N/A	63

Oswego Teachers Employees Federal Credit Union Loans and Leases

Interest Rate

Number of Loans

Amount

Unsecured Credit Card Loans	9.500	868	1,496,987
All Other Unsecured Loans/Lines of Credit	9.990	392	1,876,572
Short-Term, Small Amount Loans (STS) (Federal CU Only)	0.000	0	0
Non-Federally Guaranteed Student Loans	5.250	117	1,665,117
New Vehicle Loans	2.490	62	1,077,290
Used Vehicle Loans	3.240	119	1,418,257
Total 1st Mortgage Real Estate Loans/Lines of Credit	3.150	28	1,672,453
Total Other Real Estate Loans/Lines of Credit	3.900	143	7,020,023
Leases Receivable	0.000	0	0
Total All Other Loans/Lines of Credit	3.490	56	631,547
TOTAL LOANS & LEASES		1,785	16,858,246

Oswego Teachers Employees 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	2	230,337	0	0
b. 15 Years or less	26	1,442,116	2	242,500
Balloon/Hybrid
a. > 15 years	0	0	0	0
b. 15 Years or less	0	0	0	0
Other Fixed Rate	0	0	0	0
Adjustable Rate 1 yr or less	0	0	0	0
Adjustable Rate > 1 yr	0	0	0	0

OTHER REAL ESTATE

Closed-End Fixed Rate	89	5,151,438	46	1,206,496
Closed-End Adjustable Rate	0	0	0	0
Open-End Adjustable Rate	18	411,004	2	1,080
Open-End Fixed Rate	36	1,457,581	11	166,789
TOTALS	171	8,692,476	61	1,616,865

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans	0	0		0
Interest Only & Payment Option Other RE/LOC Loans	0	0		0
REVERSE MORTGAGES
a. Federally Insured Home Equity Conversion Mortgage (HECM)	0	0	0	0
b. Proprietary Reverse Mortgage Products	0	0	0	0

Oswego Teachers Employees 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	No
Money Orders	No
No Surcharge ATMs	Yes
Home Banking Via Internet Website	Yes