Who We Are

Founded in 1975, Oswego County FCU is a member-owned, not-for-profit financial cooperative association dedicated to providing quality financial products and services delivered in a professional, courteous and timely manner. We currently serve the financial needs of approximately 13,000 members from throughout Oswego County.

Join The Family

If you live, work, worship, or attend school in Oswego County,
you are eligible to join our family.

Join Today!

Unlike other financial institutions which need to generate profits in order to satisfy stockholders, we return excess earnings to our members in the following forms:

  • Competitive interest rates paid on savings and investment accounts
  • Competitive interest rates on loans, and
  • The addition of valuable new products and services

The products and services available are designed to help you manage your personal financial affairs at the lowest possible cost. Because we are member-owned, our criteria for judging success is based on member satisfaction, not profits. Accordingly, our staff is committed to providing the personal attention you deserve in satisfying your individual financial needs.

Membership Is Free For Life…

Membership in Oswego County FCU is free. When you join, the first account you open is a Share Savings Account. It is referred to as "share savings" because, as a cooperative financial association, members own the credit union. Your initial deposit of $5.00 to open a Share Savings Account represents your "share" of ownership. It is not a fee; it goes directly into your newly established account.

As a "part-owner" of the credit union, you will have full access to the many convenient and money-saving products and services we offer. Membership in Oswego County FCU is a benefit that is available to you for a lifetime, even if you change jobs, relocate or retire. What’s more, after you join, your family members are also eligible to join.

Your Money Is Safe…

The safety of your money is an important consideration when you evaluate any financial institution. At Oswego County FCU, you can be assured your money is secure. Each member’s deposit accounts are insured for up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. No one has ever lost a penny placed in trust with a federally insured credit union.

"People Helping People"

We offer confidential, professional, courteous, and personalized service. At Oswego County FCU, the credit union motto of "People Helping People" is not some fancy slogan, it’s something we believe in and practice every day!

We invite you to become a part of our growing family of satisfied members to discover, first hand, the many benefits of credit union membership. Find Out If You Are Eligible