Lender profile
Oswego Teachers Employees
Lender Live rate observations
Oswego Teachers Employees at a glance
Oswego Teachers Employees is a lender based in New York. LoanMate.ai tracks 13 published loan products from Oswego Teachers Employees (33 rate listings), last verified 2026-10-17. Its lowest published rate today is 5.24% on New auto loan · 40 months. Its New auto loan · 40 months rate of 5.24% matches the national median of 5.24% (across 1 lenders publishing that product). Oswego Teachers Employees lends in New York only.
HELOC (9)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 6.24 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 6.74 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 6.99 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 7.24 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (9)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-11yr | 5.74 | — | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-11yr | 5.99 | — | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-11yr | 6.49 | — | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-7yr | — | 5.74 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-7yr | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 6.24 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-7yr | — | 6.24 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 6.99 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (14)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-40 | — | 5.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-54 | — | 5.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-66 | — | 5.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-78 | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-40 | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-54 | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-66 | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-40 | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-54 | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-66 | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-40 | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-54 | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-66 | — | 6.49 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-60 | — | 8.99 | — | — | 2026-10-17 | Lender source ↗ |
How Oswego Teachers Employees compares
- #2 nationally for New auto loan · 78 months — 5.49% (of 6 lenders publishing it)
- #3 nationally for New auto loan · 66 months — 5.24% (of 6 lenders publishing it)
- #3 nationally for Used auto loan · 66 months — 5.49% (of 5 lenders publishing it)
Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Oswego Teachers Employees?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Oswego Teachers Employees is 5.24% on its New auto loan · 40 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Oswego Teachers Employees lend?
Oswego Teachers Employees lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Oswego Teachers Employees's New auto loan · 40 months rate compare nationally?
Oswego Teachers Employees publishes New auto loan · 40 months at 5.24%. The national median for that product is 5.24% across 1 lenders in LoanMate.ai's October 17, 2026 dataset, so Oswego Teachers Employees is right at the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.