Oswego County Credit Union Fulton NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Oswego County, where your financial well-being is our top priority! Located at 707 S 4Th St, Fulton, NY 13069, our branch has been serving the community since 1975, building lasting relationships based on trust and reliability. With a strong membership of 13,351 individuals, we take pride in being a cornerstone of financial support for families and businesses alike. At Oswego County, our commitment to providing exceptional service is reflected in our impressive financial health. With total assets amounting to $135,639,938 and total deposits reaching $9,073,862, we are equipped to offer a wide range of services tailored to meet your needs. Whether you're looking for personal banking options or business loans, we have you covered with 11,996 loans and leases ready for our members. Our CEO, William Carhart, alongside Board President Harrison Greeney, leads a dedicated team of 53 employees who are passionate about helping you achieve your financial goals. We understand that navigating your financial journey can be complex, which is why we strive to make every interaction straightforward and supportive. While members can visit us at our Fulton branch for all their banking needs, official correspondence should be sent to the same address: 707 S 4Th St, Fulton, NY 13069. If you have any questions or need assistance, don't hesitate to reach out at 315-887-1030. Explore our website at oswegofcu.org to learn more about our services or stop by today! Together, let's build a brighter financial future.

Branch History & Mission

Community Engagement

Oswego County is deeply committed to giving back. We actively participate in local events and outreach programs that enhance the well-being of our community. Our partnerships with local organizations allow us to support various initiatives that uplift residents and promote economic development. In addition to our physical presence, we've embraced digital advancements to improve member experience. Our online banking platform allows for seamless account management from home or on-the-go. Members can enjoy features such as e-statements and mobile applications that make managing finances easier than ever.

Join Us

We invite you to become part of the Oswego County family! Whether you're looking for reliable banking solutions or want to engage in your community more effectively, we're here for you. Experience the benefits of membership today by visiting our branch or checking out our website at oswegofcu.org. Let's work together towards achieving your financial dreams!

Our Mission

Our mission at Oswego County is clear: we strive to provide quality financial services while fostering community growth and support. We offer a wide range of products including personal banking accounts, auto loans, mortgages, credit cards, and business banking services. Each service is designed with our members' needs in mind, ensuring that everyone can achieve their financial goals. While members can visit us at 707 S 4th St for their banking needs, official correspondence should be sent to the same address since it also serves as our mailing address. We understand the importance of convenience; therefore, we offer a drive-thru service for quick transactions and an ATM available for easy access to cash.

Branch Location & Accessibility

Accessibility Features

At the Oswego County Fulton Branch, we prioritize accessibility for all our members. Our facility is ADA compliant and features ramps for easy entry. We strive to ensure that everyone can enjoy our services comfortably.

Contact Us

Have questions? Don't hesitate to reach out! You can call us at 315-887-1030 for assistance or simply drop by during our business hours. Our dedicated team looks forward to welcoming you into our branch and providing you with exceptional service. Come see us today!

Convenient Location

Our branch is situated near several local landmarks that make it easy to find. Just a short drive from the bustling downtown area, we're close to popular spots like the Fulton Community Center and the scenic Lake Neatahwanta. With plenty of parking available, visiting us is hassle-free.

Operating Hours

We understand that life can get busy! That's why we offer flexible operating hours to suit your schedule. You can visit us Monday and Tuesday from 9:00 AM to 5:00 PM, Wednesdays from 8:30 AM to 5:00 PM, and Thursdays and Fridays from 8:30 AM to 5:30 PM.

Services Offered

From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, our team is ready to assist you with a variety of services tailored just for you. Plus, if you're in a hurry, take advantage of our convenient drive-thru service for quick deposits and withdrawals. Additionally, we have an ATM on-site for those who prefer cash transactions or balance checks at their convenience.

Member Eligibility

Becoming a member of Oswego County is like joining a friendly neighborhood where everyone looks out for one another. If you live, work, worship, or attend school in Oswego County, you're already on the path to membership! We also welcome immediate family members of current members, making it easy for your loved ones to join our supportive community. You can enjoy a range of benefits from personalized banking services to competitive loan rates that help you achieve your financial goals. To learn more about the eligibility criteria and see if you qualify, feel free to check out our detailed information at https://www.oswegofcu.org/oswego-county-federal-credit-union-membership/ . Ready to take the next step? Opening an account is simple just visit us online at https://oswegofcu-oao.unifi-digitalbanking.com/open-account , or give us a call at (315) 887-1030 if you have any questions. We're excited to welcome you to Oswego County, located at 707 S 4Th St Fulton Ny 13069!

Business Banking & Commercial Services

Business Loan Options

Our commercial loan programs are designed to fuel your growth. Imagine having access to funds that can help you expand your operations, invest in new equipment, or hire additional staff. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services offer practical tools for everyday transactions. Whether you're processing payments or managing payroll, we provide reliable services that simplify your financial operations. This means you can focus more on what matters growing your business! Let us partner with you on your journey. Visit us at 707 S 4Th St Fulton Ny 13069 or call us at (315) 887-1030 to learn how we can support your business needs today!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick access to cash? We have ATM services available for withdrawals and balance checks whenever you need them. Plus, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car perfect for those busy days! At Oswego County, we're committed to making banking as convenient as possible while offering personalized service that meets the needs of our community. If you'd like to learn more about how we can assist you with any of these services or if you're ready to open an account, give us a call at (315) 887-1030 or visit us today! Your financial well-being is just a step away with Fulton Branch.

Business Solutions

For our business members, we offer comprehensive banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the resources to support your business journey.

Credit Cards

Looking for a way to earn rewards on your everyday spending? Our credit cards come with attractive rewards programs that help you get more out of every purchase. Whether it's cash back or travel points, you can find a card that suits your spending habits.

Loans and Financing

If you're considering purchasing a new vehicle or refinancing your home, our auto loans and mortgage options are tailored to help you make those dreams a reality. With competitive rates and flexible terms, our loans can support everything from car purchases to debt consolidation.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why Oswego County provides robust online and mobile banking options. You can easily manage your accounts, pay bills, and transfer money from anywhere at any time. With features like person-to-person payments and electronic statements, staying on top of your finances has never been easier.

Personal Banking

We understand that managing your finances can sometimes be overwhelming. That's why we offer personal banking services that are designed with you in mind. You can open checking and savings accounts that fit your lifestyle, allowing you to save for the future while having easy access to your funds.

Digital & Online Banking

Key Services

Our 24/7 online banking services ensure that you can check your account balances, pay bills, and transfer funds without stepping foot in a branch. Plus, with person-to-person transfers available, sending money to friends or family has never been easier. Need to sign documents? Our electronic signature authorization makes it simple to complete transactions securely from the comfort of your home. For those who prefer a paperless approach, e-statements are available, allowing you to stay organized while reducing clutter. Accessing your statements online not only helps the environment but also keeps your financial information secure and easily retrievable.

Mobile Banking Features

Stay connected on the go with our mobile application, which provides you with full access to all your banking needs right from your smartphone. Although mobile payments aren't currently supported, you can still manage your accounts efficiently and make quick transactions with just a few taps. With user-friendly features and robust security measures in place, you can feel confident knowing that your financial information is protected. At Oswego County, we prioritize accessibility and ease-of-use so that managing your money is as straightforward as possible. Explore all our digital services today and discover how Oswego County can help simplify your banking experience!

Financial Strength

Focused on Innovation and Growth

With $14,978,323 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $104,786,258 in total loans and leases and 1,264 used auto loans currently active.

Growing Membership Base

The trust shown by our community is illustrated by our 30,250 total share accounts, highlighting a strong and growing member base that believes in us as their financial partner. Our focus on member satisfaction means you can rely on personalized service tailored to your unique needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Oswego County is your trusted partner. Visit us at 707 S 4Th St Fulton NY 13069 or call 315-887-1030 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $24,500,394 in share certificates and $7,959,239 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. We ensure that our resources focus on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our performance; although our net income is currently $0 due to strategic investments back into the community and services for our members. We also take pride in having 53 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable team dedicated to your needs.

Solid Financial Health

With a net worth of $15,488,991, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.40% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $18,654,347 in used vehicle loans and $14,205,787 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates designed to fit your budget.

Credit Lines

For those needing extra flexibility, we provide credit lines totaling $5,000,000. This option allows you to access funds as needed while only paying interest on what you borrow, making it an efficient way to manage cash flow. At Oswego County, we believe in empowering our members through financial education and support. If you're considering refinancing or want to explore eligibility options for any of our loan products, don't hesitate to ask our staff for assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you take the next step towards achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $29,389,326, make buying or refinancing simple. Our team will guide you through the process, ensuring you find the right mortgage solution for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $11,259,890 in loans helping members manage their finances effectively. These credit cards come with benefits that suit everyday spending while providing a safety net for unexpected expenses.

Loan Aggregator

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OSWEGO COUNTY FEDERAL CREDIT UNION