--- title: "Oswego Teachers Employees Credit Union Rates - New York" description: "Current vehicle loan, and personal loan rates from Oswego Teachers Employees Credit Union in New York. Updated daily with source verification. See who can join Oswego Teachers Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/oswego-teachers-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Oswego Teachers Employees Credit Union Rates - New York ### Auto & vehicle rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Newer Vehicles (2025-2027)** auto_any_40mo | — APR | 5.490% | 40 mo | Standard | | **40-Month Used Auto Loan (2025–2027)** auto_used_40mo | — APR | 5.490% | 40 mo · used | Standard | | **Newer Vehicles (2025-2027)** auto_any_78mo | — APR | 5.740% | 78 mo | Standard | | **40-Month Used Auto Loan (2023–2024)** auto_used_40mo | — APR | 5.740% | 40 mo · used | Standard | | **66-Month Used Auto Loan (2019–2020)** auto_used_66mo | — APR | 6.240% | 66 mo · used | Standard | | **40-Month Used Auto Loan (2021–2022)** auto_used_40mo | — APR | 6.240% | 40 mo · used | Standard | | **Newer Vehicles (2025-2027)** auto_any_84mo | — APR | 6.240% | 84 mo | Standard | | **40-Month RV Loan** rv_any_40mo | — APR | 6.490% | 40 mo | Standard | | **40-Month Used Auto Loan (2019–2020)** auto_used_40mo | — APR | 6.740% | 40 mo · used | Standard | | **78-Month RV Loan** rv_any_78mo | — APR | 6.990% | 78 mo | Standard | | **144-Month RV Loan** rv_any_144mo | — APR | 7.490% | 144 mo | Standard | | **180-Month RV Loan** rv_any_180mo | — APR | 8.490% | 180 mo | Standard | Oswego Teachers Employees Credit Union auto & vehicle rates as of November 4, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Up to 60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 9.240% | 60 mo | Standard | Oswego Teachers Employees Credit Union personal loan rates as of November 4, 2026 Oswego Teachers Employees Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/oswego-teachers-employees) , verified from [Oswego Teachers Employees Credit Union's official website](https://www.oswegoteacherscu.org/) Loading branch locator… ## About Oswego Teachers Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.6K Assets $59M Founded 1961 Locations reported 1 NCUA charter 14436 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Financial counseling - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Compass** Compass Credit Union Office · Oswego · NY · 13126 Branch in the same ZIP](https://rateapi.dev/credit-unions/new-york/compass) [**Empower** Oswego · Oswego · NY · 13126-2903 About 2.2 miles away](https://rateapi.dev/credit-unions/new-york/empower) [**Oswego County** East Office · Oswego · NY · 13126 About 2.7 miles away](https://rateapi.dev/credit-unions/new-york/oswego-county) [**Together** Baldwinsville · Baldwinsville · NY · 13027-2706 About 20.3 miles away](https://rateapi.dev/credit-unions/missouri/together) [**Secny** Baldwinsville · Baldwinsville · NY · 13027-2359 About 20.5 miles away](https://rateapi.dev/credit-unions/new-york/secny) [**Auburn Community** Liverpool Branch · Liverpool · NY · 13090-2928 About 23.3 miles away](https://rateapi.dev/credit-unions/new-york/auburn-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Oswego Teachers Employees Credit Union Membership eligibility from Oswego Teachers Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Oswego Teachers Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer A.P.W. school district, Central Square school district, Hannibal school district, Mexico school district, Oswego school district, Pulaski school district, Sandy Creek school district, B.O.C.E.S., Oswego City Library - Association Oswego Players, Inc. Verified from [Oswego Teachers Employees Credit Union's membership page](https://otfcu.com/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for Oswego Teachers Employees Credit Union Employers 9 · Associations · Family 11 published paths to membership, last verified August 21, 2026, quoted from Oswego Teachers Employees Credit Union’s own published criteria. ### Employers 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of A.P.W. school district “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., Oswego City Library” > [source ↗](https://otfcu.com/about-us/) - Employee of A.P.W. school district - Employee of Central Square school district “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., Oswego City Library” > [source ↗](https://otfcu.com/about-us/) - Employee of Central Square school district - Employee of Hannibal school district “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., Oswego City Library” > [source ↗](https://otfcu.com/about-us/) - Employee of Hannibal school district - Employee of Mexico school district “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., Oswego City Library” > [source ↗](https://otfcu.com/about-us/) - Employee of Mexico school district - Employee of Oswego school district “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., Oswego City Library” > [source ↗](https://otfcu.com/about-us/) - Employee of Oswego school district - Employee of Pulaski school district “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., Oswego City Library” > [source ↗](https://otfcu.com/about-us/) - Employee of Pulaski school district - Employee of Sandy Creek school district “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., Oswego City Library” > [source ↗](https://otfcu.com/about-us/) - Employee of Sandy Creek school district - Employee of B.O.C.E.S. “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., Oswego City Library” > [source ↗](https://otfcu.com/about-us/) - Employee of B.O.C.E.S. - Employee of Oswego City Library “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., Oswego City Library” > [source ↗](https://otfcu.com/about-us/) - Employee of Oswego City Library ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Oswego Players, Inc. “and members of Oswego Players, Inc.” > [source ↗](https://otfcu.com/about-us/) - Member of Oswego Players, Inc. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Family members can join as well.” > [source ↗](https://otfcu.com/about-us/) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Oswego Teachers Employees Credit Union? Yes No ## Work at Oswego Teachers Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Oswego Teachers Employees Credit Union ranks against New York peers. - See which AI assistants fetched Oswego Teachers Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=oswego-teachers-employees&state=new-york&code=NY&name=Oswego%20Teachers%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Oswego Teachers Employees Credit Union offer? Oswego Teachers Employees Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 4, 2026 directly from the credit union's official website. ### How often are Oswego Teachers Employees Credit Union rates updated? RateAPI verifies Oswego Teachers Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 4, 2026. ### Where does RateAPI get Oswego Teachers Employees Credit Union's rate data? Rate data is collected directly from Oswego Teachers Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Oswego Teachers Employees Credit Union? Oswego Teachers Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 9 employers and 1 association for Oswego Teachers Employees Credit Union, each quoted from Oswego Teachers Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Oswego Teachers Employees Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.oswegoteacherscu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Oswego Teachers Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Oswego Teachers Employees Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /oswego-teachers-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Oswego Teachers Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/oswego-teachers-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp