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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Source Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
First Source Federal Credit Union's 6 month CD rates are at 4.11%, Business Term CDs 6 Month rates are at 4.11%, IRA CD 6 month rates are at 4.11%, 6 month Youth CD rates are at 4.11%, 9 month CD rates are at 3.75%. First Source Federal Credit Union's money market rates are at 0.90%. First Source Federal Credit Union's Personal Loan Rates are at 9.74%. MonitorBankRates evaluates the financial stability of First Source Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.13%. Rates were last updated on 03/26/2026. First Source Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Source Federal Credit Union? Share your experience about First Source Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Source Federal Credit Union. First Source Federal Credit Union
First Source Federal Credit Union 4451 Commercial Dr
https://www.fsource.org New Hartford, NY 13413 6207 
First Source Federal Credit Union CD Rates
First Source Federal Credit Union Savings Rates
First Source Federal Credit Union Money Market Rates
First Source Federal Credit Union Checking Rates
First Source Federal Credit Union Home Equity & HELOC
First Source Federal Credit Union Auto Loan Rates
First Source Federal Credit Union Credit Card Rates
First Source Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Source Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First Source Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Source Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Source Federal Credit Union
Website
https://www.fsource.org
Address
4451 Commercial Dr,
New Hartford, NY 13413 6207
Phone
315-735-8571
Fax
315-735-1552
President
Raymond Philo
CEO
John Calabrese
Full-Time Employees
229
Part-Time Employees
13
Branch Locations
6
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.13%
Return on Assets (ROA)
0.5523%
Return on Equity (ROE)
5.6292%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
1,093,994,631
Total Amount of Shares and Deposits
957,619,738
Total Shares and Deposits < 1 Year
935,793,524
Total Shares and Deposits 1 3 Years
20,558,308
Total Shares and Deposits > 3 Years
1,267,906
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,469,584
Total Uninsured Shares and Deposits > $250K (F+J)
26,469,584
Total Insured Shares and Deposits > $250K (item 17 less item K)
931,150,154
Total Interest Expense (Sum of items 6 8)
14,189,084
Share Certificates
7,915
Number of Accounts for Share Drafts
40,735
IRA KEOGH Accounts
2,165
Number of Accounts for Regular Shares
84,223
All other shares
3,869
Non Member Deposits
7
Money Market Shares
8,384
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
53,035,418
Total Liabilities
986,663,785
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Source Federal Credit UnionIs First Source Federal Credit Union a safe place to deposit money?Yes, First Source Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 8.1295119950885%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First Source Federal Credit Union operate?First Source Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join First Source Federal Credit Union?Yes, to access services at First Source Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, First Source Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Source Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Source Federal Credit Union offer online and mobile banking?Most modern institutions like First Source Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fsource.org. Current First Source Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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