M
Back to Oswego credit unions

Oswego County

P.O. BOX 310, Oswego, NY 13126
NCUA Insured4.5 (54 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1975

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. BOX 310

Oswego, NY 13126

Google Maps🗺Waze
(315) 343-7822

Service Area

This credit union is located in Oswego and serves members in the NY area. Currently serving 14,627 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.75%

Used Auto Loan

6.75%

Personal Loan

11.25%

Credit Card APR

9.25%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%
New York Times Employees— Used Auto Loan

New York, NY

2.49%
Palisades— Personal Loan

Pearl River, NY

2.99%
Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.5

54 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Sadie Atler

Sadie Atler

7 months ago

Not really a fan on the Phoenix location. The one girl on the line is funky. She reminds me of a try hard. Her voice , her demeanor. Just awful. Location is nice.

Daniel Storm

Daniel Storm

7 months ago

Excellent place. Been going here for over 10 years. Great people and great service.

Vance Moore

Vance Moore

a year ago

Miss Courtney from the finance department was excellent and helping me get a loan builder loan so I can establish credit. Thank you again Courtney I couldn’t have done it without you. I am so pleased for your work and your work ethic.

Rochonne Simons

Rochonne Simons

3 years ago

DeAnn was very friendly and helpful. Followed up to make sure all my documents were received. DeAnn provided great professional service. This credit union is wonderful and I'm so glad I've been a member all these years!

Sarah Swan

Sarah Swan

2 years ago

Thankful for my banking experience with OCFCU. Always feel heard, understood and educated in the financial guidance received. Alisa and DeAnn are more than pleasant individuals.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).