What makes GPO different?

New laws and regulations are changing the face of financial institutions today, that is why it is important to truly understand how your credit union is different and unique.


GPO Federal Credit Union is a member-owned federally insured, member owned financial cooperative. We exist to serve our members, not to make a profit. Credit Unions do not pay dividends to stockholders. We instead return our earnings to our members in the form of lower loan rates, higher savings rates, fewer fees, and great products and services.


Each GPO Member has equal ownership in the credit union, regardless of how much money they have on deposit. At GPO, you are both a member and an owner, and are given the opportunity to vote for, and serve on our volunteer board of directors. When you open a new account, you will pay a $5.00 membership fee, this establishes your share in the credit union.


Credit unions are exempt from Federal and most state taxes because we are member-owned not-for-profit organizations managed by a volunteer board of directors. We have a mission to serve the financial needs of consumers, especially those of modest means.

Membership Eligibility:

By current federal statute, credit unions cannot serve the general public. At GPO, people qualify for membership by working (them or a family member) for one of our sponsored employee groups, OR by living, working, attending school, or worshiping in many specified communities throughout Central New York. Family members of current members are automatically eligible for membership. Click here to learn more about eligibility.


GPO is committed to educating our members and the community, helping you make decisions that will lead to a bright financial future. GPO members have access to BALANCE financial counseling at no cost to the member. Whether it be minimizing credit card debt, starting on a path to savings, helping you decide between buying or leasing a car, or even helping you avoid bankruptcy, BALANCE can help. Click here to learn more about BALANCE.

Our Focus is You:

At GPO, our mission statement is simply, ‘Our Focus is You’. Our goal is to serve our member-owners, and to serve them well. Our members are very loyal for this reason. Your credit union will be here for you in good times and in bad, and we look forward to helping you and your family meet your financial goals.

Click here to view our annual reports.


Look how YOUR credit union has grown!

December 31, 1931
First Year of Operation
Assets $861.41
December 31, 1955

25th Year of Operation
Assets $13,788
December 31, 1980

50th Year of Operation
Assets $2,578,348
December 31, 2005

75th Year of Operation
Assets $89,422,899
December 31, 2011

82nd Year of Operation
Assets $189,963,147


Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.  National Credit Union Administration, a U.S. Government Agency..