Oswego Heritage


P.o. Box 180
Fulton, NY 13069
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
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

Oswego Heritage is an NCUA insured institution located in Fulton, NY. It was founded in 1952 and has approximately $14.36 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 7938
Date Established 1952
Assets $14.36 million
Loans $5.90 million
Deposits $13.07 million
Capital $1.22 million

Deposit Rates - June 22, 2021

Your Current Location: Virginia, VA 20146

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Loan Rates - June 22, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for OSWEGO HERITAGE

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

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Beeline Loans, Inc.
NMLS ID: 1799947
2.817% 2.750% 0.88 $2,165 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

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After Intro: 3.750 %
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Third Federal Savings and Loan
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2.240 %
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Below are Oswego Heritage 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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Oswego Heritage Locations

Financial Details

Oswego Heritage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Oswego Heritage. 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
Oswego Heritage U.S. Average
2.11% 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, Oswego Heritage had $26,035 in non-current loans and $0 in owned assets. To cover these potential losses it had $1,218,055 in net worth and $16,838 in loans loss reserves. That gives it a Texas Ratio of 2.11%.

Net Worth
Oswego Heritage U.S. Average
8.76% 12.67%

Oswego Heritage FCU has a net worth of 8.76% 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 Oswego Heritage

Branches and Savings

What is Oswego Heritage?

A federal credit union, registered with the NCUA under certificate #7938.
Learn more about credit unions here.

Is Oswego Heritage 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. Oswego Heritage is insured by the NCUA.

Who can join Oswego Heritage?

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

What are Oswego Heritage's share account and share certificate rates?

Oswego Heritage'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 Oswego Heritage?

Oswego Heritage has total capital of $1.22 million. Full information on Oswego Heritage's financial position is located above.

Who owns Oswego Heritage?

Credit Unions are owned by their members.

Where are Oswego Heritage branches located?

See branch locations nearby.

Are Oswego Heritage ATMs Open 24/7?

Do Oswego Heritage ATMs accept cash deposits?

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

Does Oswego Heritage have a mobile app?

Does Oswego Heritage have mobile deposit?

Does Oswego Heritage have quick pay?

How can Oswego Heritage transfer money to other banks or credit unions?

Does Oswego Heritage report to credit bureaus?

Does Oswego Heritage use Chexsystems?

Does Oswego Heritage use Equifax?

What is Oswego Heritage's toll free phone number?

What is Oswego Heritage's ACH Routing Number?

What is Oswego Heritage's SWIFT code?

Where can I find Oswego Heritage's wire transfer form?

What is the Oswego Heritage address for deposits?

What Products Does Oswego Heritage Offer

Does Oswego Heritage offer mortgages?

Compare mortgage rates here.

Does Oswego Heritage offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Oswego Heritage offer auto and RV loans?

Compare auto loan rates here.

Does Oswego Heritage offer student loans or personal loans?

Compare personal loan rates here.

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