First Source Federal Credit Union
Headquarters
4451 Commercial Dr
New Hartford, NY 13413
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2024 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 $1033.98 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 | $1,033.98 million |
| Loans | $981.97 million |
| Deposits | $910.56 million |
| Capital | $97.35 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school in Oneida or Herkimer County.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.35% | $1,000 | - |
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|
|
Money Market
|
1.00% | $1 | $4,999 |
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|
|
Money Market
|
1.10% | $10,000 | $14,999 |
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|
|
Money Market
|
1.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
4.50% | $500 | - |
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|
| 6 Mo CD
|
4.50% | $1,000 | - |
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|
| 12 Mo CD
|
4.50% | $500 | - |
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|
| 12 Mo CD
|
4.50% | $1,000 | - |
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|
| 24 Mo CD
|
4.00% | $500 | - |
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|
| 24 Mo CD
|
4.00% | $1,000 | - |
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|
| 36 Mo CD
|
4.00% | $1,000 | - |
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|
| 48 Mo CD
|
4.00% | $1,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.35% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.584% | 6.500% | 0.50 | $2,810 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.866% | 6.750% | 1.00 | $3,801 | $2,076 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
NMLS ID: 491986 |
Learn More |
Note to First Source
To upload and update your bank's rates please register.
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Branches
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:
Columbus,Ohio
First Source Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 460.44 | A | View Lobby Hours | |
| 463.89 | B | View Lobby Hours | |
| 466.85 | C | View Lobby Hours | |
| 474.19 | D | View Lobby Hours |
Climate Policy and 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.
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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 |
|---|---|
| 13.41% | 5.83 |
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, 2024, First Source had $15,463,276 in non-current loans and $141,992 in owned assets. To cover these potential losses it had $97,353,148 in net worth and $18,999,142 in loans loss reserves. That gives it a Texas Ratio of 13.41%.
Net Worth
| First Source | U.S. Average |
|---|---|
| 9.48% | 13.93% |
First Source FCU has a net worth of 9.48% versus the BestCashCow average of 13.93. 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
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