First Source


4451 Commercial Dr
New Hartford, NY 13413
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.85% →
1-Year CD 0.70% 0.75% →
2-Year CD 0.75% 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

First Source is an NCUA insured institution located in New Hartford, NY. It was founded in 1938 and has approximately $806.28 millions in assets.

Who can join?

If you live, work, worship or attend school in Oneida or Herkimer County, you can be a Member.

NCUA Insured Yes / Federally Chartered
Charter Number # # 2658
Date Established 1938
Assets $806.28 million
Loans $632.29 million
Deposits $726.09 million
Capital $73.67 million

Field of Membership Restrictions

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

Deposit Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.20% $1,000 - Learn More
Money Market
0.25% $1 $4,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.35% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $500 - Learn More
6 Mo CD
0.35% $1,000 - Learn More
12 Mo CD
0.70% $500 - Learn More
12 Mo CD
0.70% $1,000 - Learn More
24 Mo CD
0.75% $500 - Learn More
24 Mo CD
0.75% $1,000 - Learn More
36 Mo CD
0.80% $1,000 - Learn More
48 Mo CD
0.85% $1,000 - Learn More
Variable IRA Rates APY MIN MAX
0.20% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FIRST SOURCE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 330511
3.059% 3.000% 0.75 $1,882 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are First Source branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

First Source Locations

Climate Initiatives

FIRST SOURCE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

First Source Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Source. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Source U.S. Average
6.67% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, First Source had $5,861,889 in non-current loans and $61,038 in owned assets. To cover these potential losses it had $73,666,209 in net worth and $15,181,970 in loans loss reserves. That gives it a Texas Ratio of 6.67%.

Net Worth
First Source U.S. Average
9.46% 12.22%

First Source FCU has a net worth of 9.46% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About First Source

Branches and Savings

What is First Source?

A federal credit union, registered with the NCUA under certificate #2658.
Learn more about credit unions here.

Is First Source FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. First Source is insured by the NCUA.

Who can join First Source?

Please see Field of Membership information above for information on who is eligible to join.

What are First Source's share account and share certificate rates?

First Source's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is First Source?

First Source has total capital of $73.67 million. Full information on First Source's financial position is located above.

Who owns First Source?

Credit Unions are owned by their members.

Where are First Source branches located?

See branch locations nearby.

Are First Source ATMs Open 24/7?

Do First Source ATMs accept cash deposits?

Can First Source customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First Source have a mobile app?

Does First Source have mobile deposit?

Does First Source have quick pay?

How can First Source transfer money to other banks or credit unions?

Does First Source report to credit bureaus?

Does First Source use Chexsystems?

Does First Source use Equifax?

What is First Source's toll free phone number?

What is First Source's ACH Routing Number?

What is First Source's SWIFT code?

Where can I find First Source's wire transfer form?

What is the First Source address for deposits?

What Products Does First Source Offer

Does First Source offer mortgages?

Compare mortgage rates here.

Does First Source offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Source offer auto and RV loans?

Compare auto loan rates here.

Does First Source offer student loans or personal loans?

Compare personal loan rates here.

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