First Source Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.80%	1-year CD	12 Month Share Certificate 1.50% - Goldman Sachs Bank USA 12 Month CD
0.25%	Savings	Special Purpose Account 1.20% - Goldman Sachs Bank USA Online Savings
1.70%	4-year CD	48 Month Share Certificate 1.90% - Goldman Sachs Bank USA 4 Year CD

View all First Source Federal Credit Union rates »

Overview / Commentary

www.fsource.org

800-735-8571

4451 Commercial Dr
New Hartford, NY 13413-6207

First Source Federal Credit Union is headquartered in New Hartford and is the 28^th largest credit union in the state of New York. It is also the 530^th largest credit union in the nation. It was established in 1938 and as of June of 2017, it had grown to 128 employees and 44,183 members at 5 locations. First Source Federal Credit Union's money market rates are 14% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Oneida or Herkimer County
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Health

A

Data as of Q2 2017

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Health Grade Components

Overall
NCUA #	2658
Year Chartered	1938
Employees	128
Primary Regulator

Profit Margin
Return on Assets - YTD	0.97%
Return on Equity - YTD	9.81%
Annual Interest Income	$10.7MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$498.9MM$459.2MM
Loans	Q2 2017vs Q2 2016	$442.7MM$400.9MM
Deposits	Q2 2017vs Q2 2016	$445.6MM$407.3MM
Equity Capital	Q2 2017vs Q2 2016	$48.8MM$43.4MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$5.1MM$3.9MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$4.1MM$1.9MM
Real Estate Owned	Q2 2017vs Q2 2016	$65.00K$15.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Source Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	-	-	Regular Share
0.25%	-	-	IRA Share
0.25%	-	-	Business Regular Share
0.25%	-	-	Special Purpose Account
0.25%	-	-	Business Special Purpose Account

First Source Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.25% → Up to $5k \| 0.30% → $5k - $10k \| 0.40% → $10k - $25k \| 0.45% → $25k - $50k
0.50%^*	$50k^*	-	Business Money Market Account
OTHER TIERS: 0.25% → Up to $5k \| 0.30% → $5k - $10k \| 0.40% → $10k - $25k \| 0.45% → $25k - $50k

First Source Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$10k^*	-	Only One Checking
OTHER TIERS: 0.10% → $2,500 - $5k \| 0.15% → $5k - $7,500 \| 0.20% → $7,500 - $10k
0.25%^*	$10k^*	-	Business Only One Checking
OTHER TIERS: 0.10% → $2,500 - $5k \| 0.15% → $5k - $7,500 \| 0.20% → $7,500 - $10k

First Source Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.70%	$1k	-	48 Month Share Certificate
1.70%	$1k	-	Business 48 Month Share Certificate
1.35%	$1k	-	36 Month Share Certificate
1.35%	$1k	-	Business 36 Month Share Certificate
1.05%	$1k	-	24 Month Share Certificate
1.05%	$500	-	24 Month Kirby Kangaroo Share Certificate
1.05%	$500	-	24 Month CU Succeed Share Certificate
1.05%	$1k	-	Business 24 Month Share Certificate
0.80%	$1k	-	12 Month Share Certificate
0.80%	$500	-	12 Month Kirby Kangaroo Share Certificate
0.80%	$500	-	12 Month CU Succeed Share Certificate
0.80%	$1k	-	Business 12 Month Share Certificate
0.50%	$1k	-	6 Month Share Certificate
0.50%	$500	-	6 Month Kirby Kangaroo Share Certificate
0.50%	$500	-	6 Month CU Succeed Share Certificate
0.50%	$1k	-	Business 6 Month Share Certificate
0.25%	$1k	-	3 Month Share Certificate
0.25%	$1k	-	Business 3 Month Share Certificate

First Source Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.70%	$1k	-	48 Month IRA Certificate
1.35%	$1k	-	36 Month IRA Certificate
1.05%	$1k	-	24 Month IRA Certificate
0.80%	$1k	-	12 Month IRA Certificate

Locations

First Source Federal Credit Union Locations
Branch Office	50 Auert Ave	Utica, NY 13502
Branch Office	4451 Commercial Dr	New Hartford, NY 13413-6207
Branch Office	510 W State St	Herkimer, NY 13350-2240
Branch Office	1822 Black River Blvd N	Rome, NY 13440
Branch Office	1634 Genesee St	Utica, NY 13502-5428