Oswego County Credit Union Phoenix NY | Best Auto Loans & Personal Banking

Introduction

Welcome to Oswego County, your trusted financial partner located at 101 Volney St, Phoenix, NY 13135. Since our establishment in 1975, we have been dedicated to serving our community with a commitment to exceptional member service and financial growth. With over 13,351 members and total assets exceeding $135 million, we pride ourselves on being a pillar of support for individuals and families in Phoenix and the surrounding areas. At Oswego County, we offer a range of services tailored to meet your financial needs, from personal banking options like checking and savings accounts to loans for your next vehicle or home. Our current total loans stand at 11,996, while our deposits reach an impressive $9,073,862. This reflects our strong focus on helping you achieve your financial goals while ensuring the security of your funds. Led by our CEO, William Carhart, and Board President Harrison Greeney, we maintain a team of 53 dedicated employees ready to assist you. We understand that every member's situation is unique, which is why we take the time to listen and provide personalized solutions. While members can visit us at 101 Volney St, official correspondence should be sent to our mailing address at PO Box 310, Oswego, NY 13126. If you have any questions or need assistance, feel free to reach out at 315-312-0950 or visit our website at oswegofcu.org. Join us today and experience the difference a community-focused credit union can make in your life!

Branch History & Mission

Community Engagement

Our connection with the community goes beyond financial transactions. We actively participate in local events and outreach programs aimed at improving the quality of life for residents in Phoenix and surrounding areas. Whether through educational workshops or sponsorships of local initiatives, Oswego County believes in giving back to the community that has supported us throughout the years. With convenient operating hours from Monday to Tuesday 9 AM - 5 PM and Wednesday from 8:30 AM - 5 PM (and extended hours on Thursday and Friday), as well as drive-thru banking and ATM availability, we're here for you when you need us most.

Join Us Today!

As we look toward the future, we invite you to become part of our family at Oswego County. Experience firsthand how we can help you reach your financial aspirations while making a positive impact in your community. Visit us today or check out our website at Oswego County for more information on membership eligibility and account opening options. Together, let's build a brighter future!

Our Mission

The mission of Oswego County is simple yet impactful: to empower our members through accessible financial services while fostering community support. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's securing an auto loan or planning for retirement. Our dedicated team works tirelessly to ensure that each member receives personalized service tailored to their unique needs. While members can visit us at 101 Volney St Phoenix Ny 13135, official correspondence should be sent to PO Box 310, Oswego, NY 13126. This flexibility ensures that our members can connect with us easily. As part of our commitment to progress and inclusion, we embrace digital advancements such as online banking and electronic statements. Additionally, we pride ourselves on being ADA compliant, ensuring that all members can access our services without barriers.

Branch Location & Accessibility

Convenient Access

At our branch, we prioritize accessibility. You'll find ample parking available right outside our doors, making it easy to pop in for a visit. We are fully ADA compliant, ensuring that everyone can comfortably access our services.

Get in Touch

Have questions or need more information? Don't hesitate to give us a call at 315-312-0950. We're eager to help you navigate your financial journey! Come visit us at Oswego County today we look forward to welcoming you!

Operating Hours

Our doors are open to serve you during the following hours: Monday and Tuesday from 9 AM to 5 PM; Wednesday from 8:30 AM to 5 PM; and Thursday and Friday from 8:30 AM to 5:30 PM. Whether you need assistance with personal banking or want to explore loan options, our friendly staff is ready to assist you during these hours.

Services Offered

We offer a wide range of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your car! For those on the go, our ATM is available for cash withdrawals and balance checks whenever you need it. We understand that banking should fit into your life easily.

Member Eligibility

At Oswego County, we believe that everyone deserves the opportunity to be part of a friendly and supportive community. Becoming a member is simple! If you live, work, worship, or attend school in Oswego County, you're already eligible to join us. We welcome individuals from all walks of life, and our goal is to provide personalized financial services tailored just for you. By becoming a member of Oswego County, you gain access to a range of benefits, including competitive loan rates, exceptional customer service, and resources designed to help you achieve your financial goals. To get started on your membership journey, just visit us at our branch located at 101 Volney St Phoenix Ny 13135 or give us a call at (315) 312-0950. You can also find detailed eligibility criteria on our website at https://www.oswegofcu.org/oswego-county-federal-credit-union-membership/ . When you're ready to open an account, it's as easy as visiting https://oswegofcu-oao.unifi-digitalbanking.com/open-account . We're excited to have you join our community!

Business Banking & Commercial Services

At Oswego County, we understand the unique challenges that business owners face. That's why we're dedicated to providing tailored solutions that help you thrive. Imagine securing the funds to expand your storefront, purchase new equipment, or hire additional staff these dreams can become a reality with our commercial loan options. 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. Additionally, we offer merchant services designed to streamline your payment processes. Whether you're a local shop or a larger enterprise, our services allow you to accept payments easily and efficiently. From credit card processing to mobile payments, we help ensure that your customers have a smooth checkout experience. Visit us at 101 Volney St Phoenix Ny 13135 in Phoenix, NY, or call us at (315) 312-0950 to learn more about how our business banking and commercial services can empower your business today!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our ATM & Cash Withdrawal Services are available 24/7 for immediate access to your funds. Plus, for those who prefer face-to-face interaction without entering the branch, we provide a Basic Drive-Thru Banking option for simple transactions like deposits and withdrawals. At Oswego County, we strive to ensure that banking is not just a task but a seamless part of your life. With our blend of traditional services and modern conveniences, we're here to support you every step of the way. Ready to experience all that we have to offer? Visit us at 101 Volney St Phoenix Ny 13135, call us at (315) 312-0950, or explore our website at https://www.oswegofcu.org/ today! Your financial future starts here!

Business Banking

If you're a business owner, our Business Banking services include essential tools like Merchant Services and Business Loans. We understand the challenges of running a business and aim to support your growth with flexible financing options tailored to your needs.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking solutions that allow you to manage your accounts from anywhere. Whether you need to check balances, transfer funds, or pay bills, our digital features make banking easier than ever.

Credit Cards and Rewards

Who doesn't love rewards? With our Credit Cards with Rewards, you can earn points on every purchase, making it easier to treat yourself while managing everyday expenses.

Personal Banking

Whether you're just starting out or looking to grow your savings, our personal banking options cater to everyone. We offer Checking & Savings Accounts that fit different lifestyles and goals, ensuring you have the right tools for managing your money effectively. If you're considering a new vehicle, our Auto Loans & Vehicle Financing provide competitive rates to make your purchase more affordable. For those planning to buy a home, we have tailored Mortgage Loans & Refinancing options that guide you through the process, making homeownership attainable. Additionally, if you find yourself needing extra funds for unexpected expenses, our Personal Loans & Debt Consolidation solutions are designed to help simplify your finances.

Digital & Online Banking

At Oswego County, we understand that banking should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your lifestyle. Whether you're at home or on the go, you can manage your finances with just a few clicks or taps. One of the standout features is our robust online banking platform, available 24/7 at https://www.oswegofcu.org/ . This means you can check your account balances, transfer funds, and pay bills whenever it suits you no more waiting in line or rushing to the bank before closing time. Plus, with e-statements available, you can stay organized and reduce paper clutter by accessing your statements online. For those who prefer mobile banking, we have a user-friendly mobile application that allows you to carry your credit union right in your pocket. You can make person-to-person transfers, send money to friends or family quickly and easily, all from your smartphone. If you ever need to sign documents electronically, our electronic signature authorization feature makes it simple and secure. At Oswego County, security is a top priority. We ensure that all your information is protected while you enjoy these convenient services. Our online banking systems use advanced encryption technology to keep your data safe. With our digital services, managing your finances has never been more accessible or efficient. Visit us online today at https://www.oswegofcu.org/ to explore how our digital banking solutions can work for you!

Financial Strength

Community Trust

With total share accounts reaching 30,250, we showcase a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $940,586, which further exemplifies our commitment to supporting your 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 101 Volney St Phoenix Ny 13135 or call (315) 312-0950 to learn more about how we can help you achieve your financial goals.

Investing in Growth

With $14,978,323 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $1,264 in used auto loans and $104,786,258 in total loans and leases, we support members' financial goals across various sectors.

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. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 53 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Position

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 $1,140 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 financing for both new and used vehicles, so whether you're upgrading or buying your first car, we've got you covered.

Credit Lines

If you need a little extra flexibility in your budget, consider our credit lines totaling $5,000,000. They can be an excellent way to handle unexpected expenses or larger purchases without the stress of high-interest debt.

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 is here to guide you through the process, making it easier than ever to secure your dream home.

Refinancing Options

If you're looking to lower your monthly payments or pay off debts more efficiently, we offer refinancing options across various loan types. This could be an ideal way to save money over time. For more details about our loan offerings or to apply today, visit us at our branch located at 101 Volney St Phoenix Ny 13135 in Phoenix, NY, or give us a call at (315) 312-0950. 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 look forward to helping you achieve your financial dreams!

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 great rewards and benefits that can enhance your purchasing power while keeping your payments manageable.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh is designed to help users navigate their borrowing options confidently. LendMesh ensures accurate loan comparisons through a systematic approach to sourcing its data. Loan offers on the platform are obtained directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This rigorous process guarantees that users receive fair and transparent offers tailored to their needs. The benefits of using LendMesh extend beyond just finding a competitive rate: - Verified Data: All loan offers come from legitimate financial institutions, ensuring users can trust the information they see. - No Sponsored Listings: Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh focuses solely on providing unbiased results. This means users can make informed decisions without the influence of advertising. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, allowing for informed choices that can lead to significant savings. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the value that LendMesh brings to those seeking reliable loan information. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

OSWEGO COUNTY FEDERAL CREDIT UNION