Business Details
50+ Years
experience
Your Trusted Financial Partner in Oswego County
Founded in 1975, Oswego County Federal Credit Union is a member-owned, not-for-profit financial cooperative dedicated to providing quality financial products and services. We serve approximately 11,000 members throughout Oswego County, offering personalized guidance and proactive support to help members access government programs that reduce key expenses. Our services include savings and checking accounts, auto and mortgage loans, credit cards, and innovative programs like Rebate Checking and Lucky Savers.We prioritize professional, courteous service and have introduced digital solutions such as AVA, our virtual assistant, to enhance member convenience. With a focus on community, we extend membership to anyone living, working, worshipping, or studying in Oswego County. Our commitment to transparency and member satisfaction is reflected in our 24/7 card assistance, hardship support, and educational initiatives like our annual scholarship program.
Services
Savings Accounts
Checking Accounts
Auto Loans
Mortgage Loans
Visa Credit Cards
Home Equity Loans
Personal Loans
Student Loans
Share Certificates
Mobile Banking
Details
- Year established: 1975
Highlights and features
- We have served Oswego County since 1975 with personalized financial solutions.
- Our member-owned structure ensures competitive rates and community reinvestment.
- We offer innovative programs like Rebate Checking and Lucky Savers.
- Our digital tools include 24/7 virtual assistant support and mobile banking.
- We provide proactive guidance for accessing government assistance programs.
Services
Auto Loans
We offer competitive auto loans for new and used vehicles, with rates starting at 6.24% APR for new cars and 6.74% APR for pre-owned vehicles. Our flexible terms help members secure reliable transportation while maintaining financial stability. As a not-for-profit credit union, we prioritize affordable rates and personalized loan guidance.
Rebate Checking
Our Rebate Checking account rewards members with 3.25% interest on average daily balances, combining everyday convenience with financial incentives. This program helps members grow savings while managing daily expenses. Eligibility requires enrollment in e-statements and direct deposits to maximize benefits.
Visa Credit Cards
We provide Visa credit cards with competitive rates starting at 7.9% APR, including secured options for building credit history. Our cards feature rewards programs like MyPointsPlus and 3D Secure technology for fraud protection. Members receive personalized support for managing credit responsibly.
Mortgage Loans
Our mortgage loans support home purchases and refinancing with competitive rates and personalized guidance. We offer fixed and adjustable-rate options tailored to local housing markets. Members benefit from streamlined application processes and community-focused lending expertise.
Mobile Banking
Our mobile banking app enables 24/7 account access, including mobile deposit, card control, and real-time transaction alerts. Features like AVA virtual assistant and text concierge ensure instant support. Security is prioritized through biometric authentication and encrypted transactions.
Questions
How do I become a member of Oswego County Federal Credit Union?
Membership is open to anyone living, working, worshipping, or studying in Oswego County. Visit our website to apply online or contact us for assistance.
What digital banking tools are available?
We offer mobile banking with features like AVA virtual assistant, mobile deposit, card control, and text concierge for 24/7 account management.
Do you offer student loan services?
Yes, we provide student loans with competitive rates and flexible repayment options to help members finance education expenses.
How can I report a lost or stolen card?
Call 315-343-7822 during business hours or use our 24/7 hotline at 1-888-241-2510 (debit) or 1-866-497-0681 (credit).
What savings programs do you offer?
Our programs include Rebate Checking, Lucky Savers, Round Up Savings, and Share Certificates with competitive interest rates to help members grow their savings.
Are there community support initiatives available?
Yes, our Helping Hands program connects members with government assistance programs to reduce expenses on essential services like insurance and utilities.
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