G.p.o. Federal Credit Union
Headquarters
4311 Middle Settlement Rd
New Hartford, NY 13413
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2024 Overview
General Credit Union Information
G.p.o. is an NCUA insured institution located in New Hartford, NY. It was founded in 1978 and has approximately $526.79 millions in assets.
Who can join?
You are qualified for membership if you meet one of the following criteria:
• You or an immediate family member must work or be retired from one of G.P.O.’s Sponsored Employee Groups.
• You must have a relative that is a current member.
• You or a family member must live, work, worship or attend school in:
- City of Utica
- Canastota
- City of Oneida
- Herkimer County
- Annsville
- Ava
- Boonville
- Floyd
- Florence
- Forestport
- Marcy
- New Hartford
- Remsen
- Rome
- Whitestown (including Yorkville, Whitesboro, New York Mills & Oriskany)
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 22931 |
| Date Established | 1978 |
| Assets | $526.79 million |
| Loans | $285.59 million |
| Deposits | $464.09 million |
| Capital | $58.08 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship, or attend school in Herkimer County and portions of Oneida County, including the cities/towns of Annsville, Ava, Boonville, Floyd, Florence, Forestport, Marcy, New Hartford, New York Mills, Oneida, Oriskany, Remsen, Rome, Utica, Whitestown, Whitesboro, and Yorkville. Employees/retirees of 150+ SEGs also qualify for membership, as do relatives of current GPO members.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.25% | $50 | - |
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|
|
Money Market
|
1.30% | $2,000 | $19,999 |
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|
|
Money Market
|
1.40% | $20,000 | $49,999 |
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|
|
Money Market
|
1.60% | $50,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.50% | $1,000 | - |
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|
| 12 Mo CD
|
4.50% | $1,000 | - |
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|
| 24 Mo CD
|
4.25% | $1,000 | - |
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|
| 36 Mo CD
|
4.25% | $1,000 | - |
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|
| 48 Mo CD
|
4.00% | $1,000 | - |
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|
| 60 Mo CD
|
4.00% | $1,000 | - |
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|
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for G.p.o.
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.866% | 6.750% | 1.00 | $3,801 | $2,076 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to G.p.o.
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are G.p.o. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
G.p.o. Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 443.32 | A | View Lobby Hours | |
| 459.27 | B | View Lobby Hours | |
| 459.27 | C | View Lobby Hours | |
| 462.18 | D | View Lobby Hours | |
| 465.60 | E | View Lobby Hours | |
| 471.86 | F | View Lobby Hours | |
| 487.23 | G | View Lobby Hours |
Climate Policy and Initiatives
G.P.O. is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
G.p.o. Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of G.p.o.. 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
| G.p.o. | U.S. Average |
|---|---|
| 2.38% | 5.83 |
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 June 30, 2024, G.p.o. had $1,413,322 in non-current loans and $22,495 in owned assets. To cover these potential losses it had $58,080,378 in net worth and $2,164,631 in loans loss reserves. That gives it a Texas Ratio of 2.38%.
Net Worth
| G.p.o. | U.S. Average |
|---|---|
| 11.03% | 13.93% |
G.p.o. FCU has a net worth of 11.03% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for G.p.o.
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