First Source Federal Credit Union

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CURRENT TOP RATE

48 Month Share Certificate

Overview / Commentary

www.fsource.org

315-735-8571

4451 Commercial Dr
New Hartford, NY 13413

First Source Federal Credit Union is headquartered in New Hartford and is the 25^th largest credit union in the state of New York. It is also the 499^th largest credit union in the nation. It was established in 1938 and as of December of 2021, it had grown to 209 employees and 54,591 members at 5 locations. First Source Federal Credit Union has an A health rating.

Field of Membership Restrictions

First Source Federal Credit Union is open to those who live, work, worship, or attend school in the New York counties of Herkimer or Oneida.
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Related Posts

View all posts from:

2020
2019

1/28 - First Source (NY) Offers Competitive 12-Month CD

12/19 - First Source (NY) Offers 48-Month CD Earning 2.75% APY

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Health

A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #	2658
Year Chartered	1938
Employees	209
Primary Regulator

Profit Margin
Return on Assets - YTD	1.11%
Return on Equity - YTD	11.35%
Annual Interest Income	$33.4MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$805.6MM$758.2MM
Loans	Q4 2021vs Q4 2020	$683.4MM$620.8MM
Deposits	Q4 2021vs Q4 2020	$722.4MM$683.4MM
Equity Capital	Q4 2021vs Q4 2020	$78.0MM$69.2MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$17.0MM$15.0MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$7.3MM$7.8MM
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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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	VIEW DETAILS
0.20%	-	-	Regular Share
0.20%	-	-	IRA Share
0.20%	-	-	Business Regular Share
0.20%	-	-	Special Purpose Account
0.20%	-	-	Business Special Purpose Account

First Source Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.25% → Up to $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k
0.45%^*	$100k^*	-	Business Money Market Account
OTHER TIERS: 0.25% → Up to $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k

First Source Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$2.5k	-	Only One Checking
0.05%	$2.5k	-	Business Only One Checking

First Source Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.85%	$1k	-	48 Month Share Certificate
0.85%	$1k	-	Business 48 Month Share Certificate
0.80%	$1k	-	36 Month Share Certificate
0.80%	$1k	-	Business 36 Month Share Certificate
0.75%	$1k	-	24 Month Share Certificate
0.75%	$500	-	24 Month Investeroo Share Certificate
0.75%	$1k	-	Business 24 Month Share Certificate
0.75%	$500	-	24 Month My Terms Share Certificate
0.70%	$1k	-	12 Month Share Certificate
0.70%	$500	-	12 Month Investeroo Share Certificate
0.70%	$1k	-	Business 12 Month Share Certificate
0.70%	$500	-	12 Month My Terms Share Certificate
0.35%	$1k	-	6 Month Share Certificate
0.35%	$500	-	6 Month Investeroo Share Certificate
0.35%	$1k	-	Business 6 Month Share Certificate
0.35%	$500	-	6 Month My Terms Share Certificate
0.20%	$1k	-	3 Month Share Certificate
0.20%	$1k	-	Business 3 Month Share Certificate

First Source Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.85%	$1k	-	48 Month IRA Certificate
0.80%	$1k	-	36 Month IRA Certificate
0.75%	$1k	-	24 Month IRA Certificate
0.70%	$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

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