Services
- We provide
free Notary service for our members.
- We provide free Medallion Signature Guarantee for members.
Need to understand the difference between the two? Check Bankersonline.com.
Direct Deposit
· Social Security
· Retirement & Pensions
· School District Payroll
- Companies & Corporations, etc. (we accept direct deposits from most companies, check with your payroll dept.)
Payroll Deduction
- Deductions or direct deposits may be distributed to several accounts, including spouse or children's accounts.
Checking Accounts
- No monthly fees or charges
- ATM & Debit card access
- No minimum balance (other than your $5 membership share).
- Retirees get free checks
Online Banking with Online Bill Pay
 VISA Credit Cards
| Low rate of 9.5% |
| No annual fee |
| 25 day grace period on purchases |
| Checks to transfer balances from high rate cards |
Loans
- Personal & debt consolidation
- New and Used car, boat, RV, & truck
- Home Equity
- Mortgages
- Student Loans
Savings Accounts
- Regular Savings
- High Yield (minimum $2500 deposit)
- Summer Savings (5 checks through summer)
- Christmas Club (check mailed in October)
- IRA's
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Protect Yourself From Identity Theft
Identity theft continues to be a threat to everyone's financial security. If you have any suspicions that your personal or financial information has been compromised please call us as soon as possible and we will help in any way we can. For more information about how to avoid identity theft and what to do if you believe you have been a victim of ID Theft click here.
Free Credit Reports.
For information and access to the only, official site authorized by the Federal Trade Commission: Click here
The Oswego Teachers Employees FCU will never ask you for sensitive information in an email, phone call or text message initiated by us. Do not respond to such inquiries as they may be the work of identity thieves.
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Membership Eligibility
Eligibility for membership extends to all employees of the A.P.W., Central Square, Hannibal, Mexico, Oswego, Pulaski, Sandy Creek school districts, B.O.C.E.S. and the Oswego City Library. And that’s not all. Family members: mother, father, brother, sister, son, daughter, aunt, uncle, niece, nephew, grandmother, grandfather…well, you get the picture, are all eligible for membership in our Credit Union—Your Credit Union. We’d love to have your family become part of our family and have them benefit from our services. Call us with any questions or email us for a membership application:info@oswegoteacherscu.org
N.C.U.A. Increases Deposit Insurance to $250,000.
This law is in effect until December of 2013. This is great news for depositors who no longer have to worry that deposits totalling more than $100,000 would be uninsured. If you would like detailed information about depositor insurance, you may view NCUA's "Your Insured Funds." View Brochure |
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