Oswego Teachers Employees Credit Union
Verified rate book
Current Oswego Teachers Employees Credit Union rates
20 published offers verified as of August 4, 2026.
Auto & vehicle rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Newer Vehicles (2024-2026)auto_any_40mo | 4.990% APR | 4.990% | 40 mo | Standard |
| Newer Vehicles (2024-2026)auto_any_78mo | 5.240% APR | 5.240% | 78 mo | Standard |
| 40-Month Used Auto Loan (2022–2023)auto_used_40mo | 5.240% APR | 5.240% | 40 mo · used | Standard |
| Newer Vehicles (2024-2026)auto_any_72mo | 5.250% APR | 5.250% | 72 mo | Standard |
| Newer Vehicles (2024-2026)auto_any_84mo | 5.740% APR | 5.740% | 84 mo | Standard |
| 40-Month Used Auto Loan (2020–2021)auto_used_40mo | 5.740% APR | 5.740% | 40 mo · used | Standard |
| 40-Month RV Loanrv_any_40mo | 5.990% APR | 5.990% | 40 mo | Standard |
| 40-Month Used Auto Loan (2018–2019)auto_used_40mo | 6.240% APR | 6.240% | 40 mo · used | Standard |
| 78-Month RV Loanrv_any_78mo | 6.490% APR | 6.490% | 78 mo | Standard |
| 144-Month RV Loanrv_any_144mo | 6.990% APR | 6.990% | 144 mo | Standard |
| 180-Month RV Loanrv_any_180mo | 7.990% APR | 7.990% | 180 mo | Standard |
HELOC rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 11-Year Home Equity Loan (Fixed)heloc_fixed | 5.740% APR | 5.740% | — | Standard |
| Up to 7-Year Home Equity Loan (Fixed)heloc_fixed | 5.740% APR | 5.740% | — | Standard |
| HELOC (Fixed)heloc_fixed | 5.990% APR | 5.990% | — | Standard |
| Up to 15-Year Home Equity Loan (Fixed)heloc_fixed | 6.240% APR | 6.240% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 8.990% APR | 8.990% | 60 mo | Standard |
Other rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Term (Up to 84 months)other | 6.240% % | 6.240% | — | Standard |
| Loan to Value (LTV)other | 6.240% % | 6.240% | — | Standard |
| Term (Up to 132 months)other | 6.490% % | 6.490% | — | Standard |
| Term (Up to 180 months)other | 6.990% % | 6.990% | — | Standard |
Vehicle loans available from 4.99% APR for 40 months. HELOC rates from 5.74% APR. Personal loan rates from 8.99% APR.
Source: RateAPI.dev, verified from Oswego Teachers Employees Credit Union's official website
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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. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join Oswego Teachers Employees Credit Union
Membership eligibility from Oswego Teachers Employees Credit Union's own published criteria. How we verify this.
Membership via occupations (employees of Oswego County School Districts +1 more)
- Occupationemployees of Oswego County School Districts, retirees of Oswego County School Districts
Verified from Oswego Teachers Employees Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Oswego Teachers Employees Credit Union?
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Frequently Asked Questions
What rates does Oswego Teachers Employees Credit Union offer?
Oswego Teachers Employees Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 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 August 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.
What are Oswego Teachers Employees Credit Union's auto & rv loan rates?
As of August 4, 2026, Oswego Teachers Employees Credit Union offers vehicle loans from 4.99% APR.
What is Oswego Teachers Employees Credit Union's HELOC rate?
As of August 4, 2026, Oswego Teachers Employees Credit Union offers home equity lines of credit from 5.74% APR.
What is Oswego Teachers Employees Credit Union's personal loan rate?
As of August 4, 2026, Oswego Teachers Employees Credit Union offers personal loans from 8.99% APR.
Related Rate Data
Compare Oswego Teachers Employees Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# 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"