The Oswego County Federal Credit Union is a personal credit card from Oswego County Federal Credit Union. The annual fee is No annual fee. The ongoing APR is Visa - Purchases Made Within Oswego County 6.90% to 16.90% based on your creditworthiness. Visa- Purchases Made Outside Oswego County 7.90% to 17.90%, based on your creditworthiness. APR for Balance Transfers Visa - 7.90% to 17.90% when you open your account, based on your creditworthiness. APR for Cash Advances Visa - 7.90% to 17.90% when you open your account, based on your creditworthiness.