First Source Federal Credit Union


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

Notable Rates APY Vs.Others
Savings 0.35% 6.25% →
1-Year CD 3.90% 5.20% →
2-Year CD 3.00% 5.10% →
5-Year CD N.A. 4.50% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 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 $866.66 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 $866.66 million
Loans $799.36 million
Deposits $753.92 million
Capital $84.95 million

Field of Membership Restrictions

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

Deposit Rates - March 24, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.35% $1,000 - Learn More
Money Market
1.00% $1 $4,999 Learn More
Money Market
1.10% $10,000 $14,999 Learn More
Money Market
1.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.50% $500 - Learn More
6 Mo CD
1.50% $1,000 - Learn More
12 Mo CD
3.90% $500 - Learn More
12 Mo CD
3.90% $1,000 - Learn More
24 Mo CD
3.00% $500 - Learn More
24 Mo CD
3.00% $1,000 - Learn More
36 Mo CD
3.00% $1,000 - Learn More
48 Mo CD
3.00% $1,000 - Learn More
Variable IRA Rates APY MIN MAX
0.35% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - March 24, 2023

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: Not lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 Learn More
More Info

Note to First Source
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
8.97% 4.63

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 September 30, 2022, First Source had $8,948,624 in non-current loans and $374,274 in owned assets. To cover these potential losses it had $84,947,385 in net worth and $18,979,918 in loans loss reserves. That gives it a Texas Ratio of 8.97%.

Net Worth
First Source U.S. Average
10.1% 12.52%

First Source FCU has a net worth of 10.1% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for First Source

There are currently no comments for FIRST SOURCE. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →