GPO is coming to Chittenango!
We're excited to announce GPO is coming to Chittenango with a brand-new full-service branch, bringing trusted, convenient financial services to the community.
What to expect?
- Full-service banking with drive-up ATM
- Digital & mobile banking solutions
- Local decision-making
- Personalized financial guidance
Auto Loan Specials
2023-2027 Auto Loans rates as low as 3.99% APR* up to 66 months!
2019-2022 Auto Loans rates as low as 4.74% APR* up to 60 months!
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Promotional offer is valid between October 1, 2026 to November 30, 2026. Existing GPO loans cannot be refinanced. See branch or gpofcu.com for full details.
Term Share Certificate Special
11 Month Term Share Certificate special at 4.50% APY**
**APY = Annual Percentage Yield. 4.50% APY based on 11-month Term Share Certificate Special. Minimum deposit to open and minimum balance required to earn the advertised APY is $1,000.00. Maximum deposit is $25,000. Limit one 11-month term share certificate per member during the promotional period. Early withdrawal penalties apply. Additional deposits are not allowed. Certificate Special will automatically renew into GPO’s 12-month Term Share Certificate at the prevailing rate at the time of maturity. APY is accurate as of October 1, 2026. Rates are subject to change. Membership eligibility required. Federally insured by NCUA. See any GPO branch for current rate information and applicable terms and fees.
- Construction continues to move forward, with the building taking shape each week.
- Planning is happening behind the scenes, including technology installation, equipment, security systems, and interior finishes to create a seamless banking experience.
- Our Chittenango team is already preparing for opening day. New staff are training alongside employees at other GPO locations to ensure they're ready to provide the exceptional service our members expect.
- Exterior branding and landscaping plans are underway, bringing the final look of the branch to life.
- We're partnering with local organizations and planning community events to celebrate our arrival in Chittenango.
- We'll continue sharing construction updates as we move through each phase and get closer to opening this fall.
Every week brings us closer to welcoming members into our newest branch, and we couldn't be more excited.
Here’s what you can expect at GPO Chittenango:
- Convenient service. Open 8:30 a.m.–5:00 p.m.
- Walk-ins welcome. No appointment necessary.
- Real people. Personal guidance. We're here to help with more than transactions.
- Local commitment. We're proud to be part of the communities we serve.
Come celebrate with us!
Join us October 19 as we officially welcome GPO to Chittenango. Stop by, meet our team, explore the new branch and celebrate with giveaways, treats and more throughout Membership Appreciation Month.
GPO Federal Credit Union – Chittenango
1372 Route 5-W
Chittenango, NY
There’s no place like GPO!
With more than seven years of experience in financial services, Jennifer has worked her way from Teller to Branch Manager, building experience in member service, leadership and branch operations along the way.
As she prepares to lead GPO's Chittenango Branch, Jennifer is looking forward to getting to know local residents and businesses and building meaningful relationships throughout the community.
“One of the things I love most about the Chittenango community is its small-town feel and strong sense of togetherness.
The community creates opportunities for residents to come together while also supporting one another which makes a meaningful difference in helping local businesses grow.”
- Jennifer Jedik, Chittenango Branch Manager
Some of Jennifer’s Chittenango Favorites…
- Local Eatery: Serendipity Coffee Shop
- Community Tradition: Tuesdays in the Park
- Place to Visit: The Wild Animal Park
- Local Stop: Henry’s Farm Stand
A Special Chittenango Connection
The All Things Oz Museum holds a special place in Jennifer's heart. Her grandmother-in-law, Grandma Ruby, donated several Oz-themed items to the museum, creating a family memory that makes this piece of Chittenango history even more meaningful to Jennifer.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Flex Equity Variable Rate
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 6 Months | Special intro rate as low as 1.76% APR* |
| 12 Months | Special intro rate as low as 2.50% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Restrictions apply. Existing lines with new advances do not qualify. Mortgage tax, county recording fees and tax servicing fees apply. Limited time offer. See branch for full details. Rate converts to GPO’s current line of credit rate, at the end of the 6th or 12th month. After 6 or 12 months, the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin. Prime rate as of 9/17/2026 is 7.00%. Minimum Line of Credit loan is $10,000. Rates can increase or decrease, but not to exceed 16.00% APR. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $958.50 for a $50,000 loan or $1,333.50 for a $100,000 loan. Homeowners insurance is required. Consult a tax advisor for deductibility for interest.
Holiday Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 12 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Holiday loan at 5.99% APR would be $86.07 per $1000 borrowed. Maximum loan amount of $2,000. See branch for full details.
Home Equity Fixed Rate
First Lien
|
Term |
Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 Months | 4.99% APR* |
| 61 to 120 Months | 5.99% APR* |
| 121 to 180 Months | 6.49% APR* |
| 181 to 240 Months | 6.74% APR* |
Second Lien
|
Term |
Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 Months | 5.49% APR* |
| 61 to 120 Months | 6.49% APR* |
| 121 to 180 Months | 6.99% APR* |
| 181 to 240 Months | 7.24% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. Monthly payments for 10 years at 5.99% would be $11.10 per $1,000.00 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required. Consult a tax advisor for further information regarding the deductibility of interest and charges.
IRA Term Share Certificates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| 11 Month Special* | 4.410% | 4.50% |
| 12 Month | 3.928% | 4.00% |
| 24 Month | 3.687% | 3.75% |
| 36 Month | 3.687% | 3.75% |
| 48 Month | 3.687% | 3.75% |
| 60 Month | 3.687% | 3.75% |
Account Type: Traditional, Roth and Educational
*APY = Annual Percentage Yield. Dividends are compounded and posted monthly. There are dividend penalties for early withdrawal. Minimum balance of $1,000 or $500 on education IRAs. Dividend earnings may be affected by fees. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
**APY = Annual Percentage Yield. 4.50% APY based on 11-month Term Share Certificate Special. Minimum deposit to open and minimum balance required to earn the advertised APY is $1,000.00. Maximum deposit is $25,000. Limit one 11-month term share certificate per member during the promotional period. Early withdrawal penalties apply. Additional deposits are not allowed. Certificate Special will automatically renew into GPO’s 12-month Term Share Certificate at the prevailing rate at the time of maturity. APY is accurate as of October 1, 2026. Rates are subject to change. Membership eligibility required. Federally insured by NCUA. See any GPO branch for current rate information and applicable terms and fees.
Mechanical Breakdown Protection Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 12 to 36 months | 5.49% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 3 year MBP loan at 5.49% APR would be $30.20 per $1000 borrowed See branch for full details.
Money Market Share & IRAs
| Balance | Dividend Rate | APY* |
|---|---|---|
| $2,000 to $19,999.99 | 1.292% | 1.30% |
| $20,000 to $49,999.99 | 1.391% | 1.40% |
| $50,000 and up | 1.588% | 1.60% |
Account Type: Traditional, Roth and Educational
*APY = Annual Percentage Yield. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate. Dividends are compounded and posted monthly. Dividend earnings may be affected by fees. The rate on a money market share & money market IRA is variable and may change after account opening. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
New Auto Loans (2023-2027)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 3.99% APR* |
| 61 to 66 months | 3.99% APR* |
| 67 to 72 months | 4.99% APR* |
| 73 to 84 months** | 5.74% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year new auto loan at 3.99% APR would be $18.42 per $1000 borrowed. See branch for full details.
**2025-2027 models only
New Boat, Motorcycle, or RV Loans (2024-2027)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 66 months | 5.99% APR* |
| 67 to 84 months | 6.79% APR* |
| 85 to 120 months | 7.99% APR* |
| 121 to 180 months | 8.99% APR* |
Qualifications
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year new boat, motorcycle or RV loan at 5.99% APR would be $19.34 per $1000 borrowed. Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details.
Overdraft Line of Credit
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| Line of Credit | 13.88% APR* |
Payment Saver Lease-Like Loan (2021-2027)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 24 to 60 months | 4.99% APR* |
| 61 to 72 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. A typical Payment Saver loan of $30,000 at 4.99% APR would have 60 monthly payments at $389 each month, and would include a balloon payment amount due at loan maturity of $12,446. Loan amounts of $12,000 to $17,999 – add 1% to stated rate not to exceed 18.00%. See branch for full details.
Personal Secured Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 36 months | 7.74% APR* |
| 37 to 48 months | 8.74% APR* |
| 49 to 63 months | 9.74% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year secured loan at 9.74% APR would be $21.13 per $1000 borrowed. See branch for full details.
Personal Unsecured Loans
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 36 months | 8.99% APR* |
| 37 to 48 months | 8.99% APR* |
| 49 to 63 months | 9.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 4 year personal loan at 8.99% APR would be $24.88 per $1000 borrowed. See gpofcu.com or any GPO branch for full details.
Save & Boost Credit Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 3.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Monthly payments for a 1 year Save & Boost Credit Loan secured by a Share Savings would be $85.14 per $1,000 borrowed at 3.99% APR*. Maximum loan amount of $2,500. See branch for full details.
Share Savings
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Share Savings | 0.25% | 0.25% |
| Bright Future Savings | 0.25% | 0.25% |
| Loan Payment Share Savings | 0.25% | 0.25% |
| Kids' Cash Savings | 0.25% | 0.25% |
| Club Accounts** | 0.25% | 0.25% |
| (HSA) Health Savings Account*** | 0.25% | 0.25% |
*APY = Annual Percentage Yield. Minimum balance of $50.01 is required to earn interest on all account types except Bright Future Savings and Kids' Cash Savings. Dividends are compounded and paid monthly. Dividend earnings may be affected by fees. The rate on a share savings account is variable and may change after account opening. Membership eligibility required. Insured by NCUA. Speak with a GPO representative for current rate information as well as applicable fees and terms.
**Club Accounts include Special Purpose, Christmas, and Vacation Accounts
***Health Savings Accounts are subject to the completion of an application and the account’s features, terms and conditions, which are subject to change at any time in accordance with applicable laws and agreements. Please see any branch for full details.
Term Share Certificates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| 6 Month | 3.928% | 4.00% |
| 11 Month Special** | 4.410% | 4.50% |
| 12 Month | 3.928% | 4.00% |
| 24 Month | 3.687% | 3.75% |
| 36 Month | 3.687% | 3.75% |
| 48 Month | 3.687% | 3.75% |
| 60 Month | 3.687% | 3.75% |
*APY = Annual Percentage Yield. Dividends are compounded and posted monthly. There are dividend penalties for early withdrawal. Refer to certificate for details. Minimum balance of $1,000 or $500 on 6 month term. Dividend earnings may be affected by fees. Rates are subject to change. Membership eligibility required. NCUA insured. Speak with a GPO representative for current rate information as well as applicable fees and terms.
**APY = Annual Percentage Yield. 4.50% APY based on 11-month Term Share Certificate Special. Minimum deposit to open and minimum balance required to earn the advertised APY is $1,000.00. Maximum deposit is $25,000. Limit one 11-month term share certificate per member during the promotional period. Early withdrawal penalties apply. Additional deposits are not allowed. Certificate Special will automatically renew into GPO’s 12-month Term Share Certificate at the prevailing rate at the time of maturity. APY is accurate as of October 1, 2026. Rates are subject to change. Membership eligibility required. Federally insured by NCUA. See any GPO branch for current rate information and applicable terms and fees.
Used Auto Loans (2019-2022)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 60 months | 4.74% APR* |
| 61 to 66 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used auto loan at 5.74% APR would be $18.76 per $1000 borrowed. See branch for full details.
Used Boat, Motorcycle, or RV Loans (2021-2023)
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 66 months | 6.49% APR* |
| 67 to 84 months | 7.49% APR* |
| 85 to 120 months** | 8.20% APR* |
| 121 to 180 months** | 10.49% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year used boat, motorcycle or RV loan at 6.49% APR would be $19.57 per $1000 borrowed.**Loan terms of 85 to 180 months need minimum loan amount of $40,000, maximum loan-to-value equals 90%. See branch for full details.
VISA Credit Cards
| Card | Annual Percentage Rate (APR) as low as |
|---|---|
| Visa Platinum | 7.99% APR* |
| Visa Balance Transfer | Intro rate as low as 3.99% APR** for 12 months |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply. Rates are determined by overall credit history and are subject to change without notice. Minimum interest charge is $1.00. Foreign Transaction Fee (Finance Charge) is 1% of each transaction amount. See any GPO branch for full details.
**APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply. Rates based on credit history. Limited-time offer. After the 12 month introductory rate, the transfer rate will revert to the normal card rate as low as 7.99% APR. Rates subject to change. See branch for full details.
Warm Home Loan
| Term | Annual Percentage Rate (APR) as low as |
|---|---|
| 1 to 12 months | 5.99% APR* |
*APR = Annual Percentage Rate. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 1 year Warm Home loan at 5.99% APR would be $86.07 per $1000 borrowed. Maximum loan amount of $3,000. See branch for full details.