Oneida County


800 Park Ave
Utica, NY 13501
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Oneida County is an NCUA insured institution located in Utica, NY. It was founded in 1959 and has approximately $14.84 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 13102
Date Established 1959
Assets $14.84 million
Loans $4.37 million
Deposits $13.24 million
Capital $1.60 million

Deposit Rates - April 16, 2021

Your Current Location: Washington, WA 98101

We do not yet have rates for Oneida County

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Note to Oneida County
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Loan Rates - April 16, 2021

Your Current Location: Washington, WA 98101

There are currently no loan rates available for ONEIDA COUNTY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Test Advertiser QA
2.432% 2.375% 0.75 $1,875 $972 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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Below are Oneida County branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Oneida County Locations

Financial Details

Oneida County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Oneida County. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Oneida County U.S. Average
0.88% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Oneida County had $14,332 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,597,274 in net worth and $38,768 in loans loss reserves. That gives it a Texas Ratio of 0.88%.

Net Worth
Oneida County U.S. Average
10.76% 12.67%

Oneida County FCU has a net worth of 10.76% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Oneida County

Branches and Savings

What is Oneida County?

A federal credit union, registered with the NCUA under certificate #13102.
Learn more about credit unions here.

Is Oneida County FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Oneida County is insured by the NCUA.

Who can join Oneida County?

Please see Field of Membership information above for information on who is eligible to join.

What are Oneida County's share account and share certificate rates?

Oneida County's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Oneida County?

Oneida County has total capital of $1.60 million. Full information on Oneida County's financial position is located above.

Who owns Oneida County?

Credit Unions are owned by their members.

Where are Oneida County branches located?

See branch locations nearby.

Are Oneida County ATMs Open 24/7?

Do Oneida County ATMs accept cash deposits?

Can Oneida County customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Oneida County have a mobile app?

Does Oneida County have mobile deposit?

Does Oneida County have quick pay?

How can Oneida County transfer money to other banks or credit unions?

Does Oneida County report to credit bureaus?

Does Oneida County use Chexsystems?

Does Oneida County use Equifax?

What is Oneida County's toll free phone number?

What is Oneida County's ACH Routing Number?

What is Oneida County's SWIFT code?

Where can I find Oneida County's wire transfer form?

What is the Oneida County address for deposits?

What Products Does Oneida County Offer

Does Oneida County offer mortgages?

Compare mortgage rates here.

Does Oneida County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Oneida County offer auto and RV loans?

Compare auto loan rates here.

Does Oneida County offer student loans or personal loans?

Compare personal loan rates here.

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