First Source Federal Credit Union

Overview / Commentary

www.fsource.org

315-735-8571

4451 Commercial Dr
New Hartford, NY 13413-6207

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 488^th largest credit union in the nation. It was established in 1938 and as of March of 2019, it had grown to 141 employees and 49,096 members at 5 locations. First Source Federal Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

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

Data as of Q1 2019

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Health Grade Components

Overall
NCUA #	2658
Year Chartered	1938
Employees	141
Primary Regulator

Profit Margin
Return on Assets - YTD	1.06%
Return on Equity - YTD	10.52%
Annual Interest Income	$7.6MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$613.1MM$535.8MM
Loans	Q1 2019vs Q1 2018	$554.2MM$483.3MM
Deposits	Q1 2019vs Q1 2018	$527.1MM$463.3MM
Equity Capital	Q1 2019vs Q1 2018	$60.4MM$52.7MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$8.7MM$6.7MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$3.5MM$2.6MM
Real Estate Owned	Q1 2019vs Q1 2018	$0$65.00K

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
0.60%^*	$5k^*	-	Regular Share
OTHER TIERS: 0.50% → Up to $1k \| 0.55% → $1k - $5k
0.60%^*	$5k^*	-	IRA Share
OTHER TIERS: 0.50% → Up to $1k \| 0.55% → $1k - $5k
0.60%^*	$5k^*	-	Business Regular Share
OTHER TIERS: 0.50% → Up to $1k \| 0.55% → $1k - $5k
0.60%^*	$5k^*	-	Special Purpose Account
OTHER TIERS: 0.50% → Up to $1k \| 0.55% → $1k - $5k
0.60%^*	$5k^*	-	Business Special Purpose Account
OTHER TIERS: 0.50% → Up to $1k \| 0.55% → $1k - $5k

First Source Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.11%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.60% → Up to $5k \| 0.70% → $5k - $10k \| 0.80% → $10k - $25k \| 0.90% → $25k - $50k \| 1.00% → $50k - $100k
1.11%^*	$100k^*	-	Business Money Market Account
OTHER TIERS: 0.60% → Up to $5k \| 0.70% → $5k - $10k \| 0.80% → $10k - $25k \| 0.90% → $25k - $50k \| 1.00% → $50k - $100k

First Source Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$10k^*	-	Only One Checking
OTHER TIERS: 0.10% → $2.5k - $5k \| 0.15% → $5k - $7.5k \| 0.20% → $7.5k - $10k
0.25%^*	$10k^*	-	Business Only One Checking
OTHER TIERS: 0.10% → $2.5k - $5k \| 0.15% → $5k - $7.5k \| 0.20% → $7.5k - $10k

First Source Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.10%	$1k	-	48 Month Share Certificate
3.10%	$1k	-	Business 48 Month Share Certificate
3.00%	$1k	-	36 Month Share Certificate
3.00%	$1k	-	Business 36 Month Share Certificate
2.90%	$1k	-	24 Month Share Certificate
2.90%	$500	-	24 Month Investeroo Share Certificate
2.90%	$1k	-	Business 24 Month Share Certificate
2.90%	$500	-	24 Month My Terms Share Certificate
2.76%	$1k	-	12 Month Share Certificate
2.76%	$500	-	12 Month Investeroo Share Certificate
2.76%	$1k	-	Business 12 Month Share Certificate
2.76%	$500	-	12 Month My Terms Share Certificate
2.76%	$1k	-	12 Month Term Share Certificate Special
1.00%	$1k	-	6 Month Share Certificate
1.00%	$500	-	6 Month Investeroo Share Certificate
1.00%	$1k	-	Business 6 Month Share Certificate
1.00%	$500	-	6 Month My Terms Share Certificate
0.50%	$1k	-	3 Month Share Certificate
0.50%	$1k	-	Business 3 Month Share Certificate

First Source Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.10%	$1k	-	48 Month IRA Certificate
3.00%	$1k	-	36 Month IRA Certificate
2.90%	$1k	-	24 Month IRA Certificate
2.76%	$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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