What are the current interest rates at First Source Federal Credit Union?

Current rates for First Source Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.25%, 24-Month CD: 2.95%, MMA: 1.80%

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First Source Federal Credit Union

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First Source Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

First Source Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 6 Month Business Term CDs CD, 1.80% APY on money market accounts, 0.05% APY on checking, personal loans from 9.74% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other First Source Federal Credit Union CD rates include 6 Month IRA CD at 4.00%, 6 Month CD at 4.00%, and 6 Month Youth CD at 4.00%. 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 7.75%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.75%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Source Federal Credit Union
First Source Federal Credit Union

4451 Commercial Dr
New Hartford, NY 13413-6207

https://www.fsource.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Source Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month IRA Certificate	3.93%	4.00%	6 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
6 Month Share Certificate	3.93%	4.00%	6 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
6 Month Youth Share Certificate	3.93%	4.00%	6 Months
Min Balance $500 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
9 Month Share Certificate	3.69%	3.75%	9 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
12 Month IRA Certificate	3.45%	3.50%	12 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
12 Month Share Certificate	3.45%	3.50%	12 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
12 Month Youth Share Certificate	3.45%	3.50%	12 Months
Min Balance $500 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
18 Month Share Certificate	3.20%	3.25%	18 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
24 Month IRA Certificate	2.91%	2.95%	24 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
24 Month Share Certificate	2.91%	2.95%	24 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
24 Month Youth Share Certificate	2.91%	2.95%	24 Months
Min Balance $500 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
36 Month IRA Certificate	2.47%	2.50%	36 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
36 Month Share Certificate	2.47%	2.50%	36 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
48 Month IRA Certificate	2.47%	2.50%	48 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
48 Month Share Certificate	2.47%	2.50%	48 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
3 Month IRA Certificate	0.45%	0.45%	3 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
3 Month Share Certificate	0.45%	0.45%	3 Months
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Business CD Rates

Product	Rate	APY	Term
6 Month Business Term Share Certificates	3.93%	4.00%	6 Month
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
9 Month Business Term Share Certificates	3.69%	3.75%	9 Month
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
12 Month Business Term Share Certificates	3.45%	3.50%	12 Month
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
18 Month Business Term Share Certificates	3.20%	3.25%	18 Month
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
24 Month Business Term Share Certificates	2.91%	2.95%	24 Month
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
36 Month Business Term Share Certificates	2.47%	2.50%	36 Month
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
48 Month Business Term Share Certificates	2.47%	2.50%	48 Month
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
3 Month Business Term Share Certificates	0.45%	0.45%	3 Month
Min Balance $1,000 Details minimum balance to earn dividends Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.79%	1.80%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and Over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Money Market	1.49%	1.50%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Money Market	1.39%	1.40%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Money Market	1.29%	1.30%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Money Market	1.29%	1.30%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Money Market	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Money Market	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Money Market	0.90%	0.90%
Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Money Market	0.90%	0.90%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.79%	1.80%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and Over Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Money Market	1.49%	1.50%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Money Market	1.39%	1.40%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Money Market	1.29%	1.30%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Money Market	1.29%	1.30%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Money Market	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Money Market	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Money Market	0.90%	0.90%
Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Money Market	0.90%	0.90%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Checking Rates

Product	Rate	APY
Only One Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00-$4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Only One Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000.00-$7,499.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Only One Checking	0.05%	0.05%
Min Balance $7,500 Details Balance: $7,500.00-$9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Only One Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 and Over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Only One Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00-$4,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Only One Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000.00-$7,499.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Only One Checking	0.05%	0.05%
Min Balance $7,500 Details Balance: $7,500.00-$9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Business Only One Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 and Over Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
1st Lien Home Equity Loan	-	-	4.74%	1-5 Years
Details As Low As; Fixed Rate with Closing Costs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
1st Lien Home Equity Loan	-	-	5.74%	6-10 Years
Details As Low As; Fixed Rate with Closing Costs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
2nd Lien Home Equity Loan - Fixed Rate with Closing Costs	-	-	5.74%	1-5 Years
Details As low as; Fixed Rate with Closing Costs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
1st Lien Home Equity Loan	-	-	5.99%	11-15 Years
Details As Low As; Fixed Rate with Closing Costs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
2nd Lien Home Equity Loan - Fixed Rate with Closing Costs	-	-	6.24%	6-10 Years
Details As low as; Fixed Rate with Closing Costs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
1st Lien Home Equity Loan	-	-	6.49%	16-20 Years
Details As Low As; Fixed Rate with Closing Costs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
2nd Lien Home Equity Loan - Fixed Rate with Closing Costs	-	-	6.74%	11-15 Years
Details As low as; Fixed Rate with Closing Costs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Equity Line of Credit	-	-	6.75%
Details Variable Rate; As low as Prime Rate minus 0.25% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
2nd Lien Home Equity Loan - Fixed Rate with Closing Costs	-	-	7.24%	16-20 Years
Details As low as; Fixed Rate with Closing Costs Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicles & Motorcycles Loan	-	-	4.24%	12 Month
Details Additional APR listed for this product: 4.99%. As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan	-	-	4.24%	24 Month
Details Additional APR listed for this product: 4.99%. As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan	-	-	4.24%	36 Month
Details Additional APR listed for this product: 4.99%. As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan	-	-	4.24%	48 Month
Details Additional APR listed for this product: 4.99%. As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan	-	-	4.49%	60 Month
Details Additional APR listed for this product: 5.24%. As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan	-	-	4.99%	72 Month
Details Additional APR listed for this product: 5.74%. As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan	-	-	5.49%	84 Month
Details Additional APR listed for this product: 6.24%. As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Recreational Use Vehicles Loan	-	-	5.99%	12 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Recreational Use Vehicles Loan	-	-	5.99%	24 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Recreational Use Vehicles Loan	-	-	5.99%	36 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Recreational Use Vehicles Loan	-	-	6.25%	48 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Recreational Use Vehicles Loan	-	-	6.50%	60 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Recreational Use Vehicles Loan	-	-	6.60%	72 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Recreational Use Vehicles Loan	-	-	6.70%	84 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.70% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan	-	-	6.99%	96 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan - 2019 & Older Excluding Classics	-	-	7.49%	12 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan - 2019 & Older Excluding Classics	-	-	7.49%	24 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan - 2019 & Older Excluding Classics	-	-	7.49%	36 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan - 2019 & Older Excluding Classics	-	-	7.49%	48 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan - 2019 & Older Excluding Classics	-	-	7.74%	60 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan	-	-	7.99%	108 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Vehicles & Motorcycles Loan - 2019 & Older Excluding Classics	-	-	8.24%	72 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, Campers, RV's & Motor Homes - 12 Month Loan	-	4.99%	12 Month
Details Additional APR listed for this product: 5.75%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 24 Month Loan	-	4.99%	24 Month
Details Additional APR listed for this product: 5.75%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 36 Month Loan	-	4.99%	36 Month
Details Additional APR listed for this product: 5.85%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 48 Month Loan	-	4.99%	48 Month
Details Additional APR listed for this product: 5.95%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 60 Month Loan	-	5.24%	60 Month
Details Additional APR listed for this product: 6.05%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 72 Month Loan	-	5.49%	72 Month
Details Additional APR listed for this product: 6.30%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 84 Month Loan	-	5.99%	84 Month
Details Additional APR listed for this product: 6.55%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 108 Month Loan	-	6.24%	108 Month
Details Additional APR listed for this product: 7.05%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 96 Month Loan	-	6.24%	96 Month
Details Additional APR listed for this product: 6.80%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 120 Month Loan	-	6.54%	120 Month
Details Additional APR listed for this product: 7.55%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Boats, Campers, RV's & Motor Homes - 180 Month Loan	-	7.54%	180 Month
Details Additional APR listed for this product: 8.55%. As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum	-	8.90%
Details Non-variable; As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
VISA Platinum Rewards Plus	-	11.24%
Details Variable Rates. With CURewards; Rate: Prime + 4.49%; As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Personal Loan Rates

Product	APR	Term
12 Month Personal Loan	9.74%	12 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
24 Month Personal Loan	9.74%	24 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
36 Month Personal Loan	10.24%	36 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
48 Month Personal Loan	10.24%	48 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
60 Month Personal Loan	10.24%	60 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

First Source Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Equipment Loan	-	-	5.24%	12 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Equipment Loan	-	-	5.24%	24 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Equipment Loan	-	-	5.24%	36 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Equipment Loan	-	-	5.24%	48 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Equipment Loan	-	-	5.74%	60 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Equipment Loan	-	-	5.99%	72 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Equipment Loan	-	-	6.74%	84 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Equipment Loan	-	-	6.99%	120 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Family Support Loan	-	-	8.74%	12 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Family Support Loan	-	-	8.74%	24 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Family Support Loan	-	-	9.24%	36 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Family Support Loan	-	-	9.24%	48 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Family Support Loan	-	-	9.24%	60 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Health Improvement Loan	-	-	8.74%	12 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Health Improvement Loan	-	-	8.74%	24 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Health Improvement Loan	-	-	9.24%	36 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Health Improvement Loan	-	-	9.24%	48 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Health Improvement Loan	-	-	9.24%	60 Month
Details As low as Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Healthy Pet Loan	-	-	8.74%	12 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Healthy Pet Loan	-	-	8.74%	24 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Healthy Pet Loan	-	-	9.24%	36 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Healthy Pet Loan	-	-	9.24%	48 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Healthy Pet Loan	-	-	9.24%	60 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Holiday Loan	-	-	5.99%	12 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	7.74%	12 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	7.74%	24 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	8.24%	36 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	8.24%	48 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	8.24%	60 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	8.74%	72 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	9.74%	84 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	9.74%	96 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	10.24%	108 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Home Improvement Loan	-	-	10.24%	120 Month
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Mechanical Breakdown Protection Loan	-	-	4.74%	Up to 96 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
RFMC Bicycle Loan	-	-	5.99%	12 Month
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Regular Share	0.25%	-	0.25%
Min Balance $0 Details Balance: $0.01-$999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Regular Share	0.25%	-	0.25%
Min Balance $1,000 Details Balance: $1,000.00-$4,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Regular Share	0.25%	-	0.25%
Min Balance $5,000 Details Balance: $5,000.00-$9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%
Regular Share	0.25%	-	0.25%
Min Balance $10,000 Details Balance: $10,000.00 and Over Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.75%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Source Federal Credit Union’s Texas Ratio rose from 7.16% in Q3 2023 to 7.75% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	7.75%	5.0	A
March 31, 2026	$1.1B	6.10%	5.0	A
December 31, 2025	$1.1B	7.17%	5.0	A
September 30, 2025	$1.1B	6.64%	5.0	A
June 30, 2025	$1.1B	5.92%	5.0	A+
March 31, 2025	$1.1B	4.92%	5.0	A+
December 31, 2024	$1.1B	8.20%	5.0	A
September 30, 2024	$1.1B	6.07%	5.0	A
June 30, 2024	$1.0B	7.17%	5.0	A
March 31, 2024	$1.0B	8.40%	5.0	A
December 31, 2023	$1.0B	8.38%	5.0	A
September 30, 2023	$1.0B	7.16%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 232

Part-Time Employees 12

Branch Locations 6

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.75%

Return on Assets (ROA)

0.4256%

Return on Equity (ROE)

4.1889%

Non-Performing Loans Ratio (NPL)

1.03%

Total Assets

1,120,718,998

Total Amount of Shares and Deposits

999,135,413

Total Shares and Deposits < 1 Year

985,283,831

Total Shares and Deposits 1 3 Years

12,108,201

Total Shares and Deposits > 3 Years

1,743,381

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

32,992,497

Total Uninsured Shares and Deposits > $250K (F+J)

32,992,497

Total Insured Shares and Deposits > $250K (item 17 less item K)

966,142,916

Total Interest Expense (Sum of items 6 8)

8,917,147

Share Certificates

8,324

Number of Accounts for Share Drafts

41,053

IRA KEOGH Accounts

2,121

Number of Accounts for Regular Shares

85,302

All other shares

2,584

Non Member Deposits

Money Market Shares

9,621

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

42,951,219

Total Liabilities

1,006,862,691

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Source Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First Source Federal Credit Union

Frequently Asked Questions About First Source Federal Credit Union

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

12-Month CD3.50%
18-Month CD3.25%
24-Month CD2.95%
MMA1.80%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Source Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Source Federal Credit Union Texas Ratio

First Source Federal Credit Union Health Trend

First Source Federal Credit Union CD Rates

First Source Federal Credit Union Business CD Rates

First Source Federal Credit Union Money Market Rates

First Source Federal Credit Union Business Money Market Rates

First Source Federal Credit Union Checking Rates

First Source Federal Credit Union Business Checking Rates

First Source Federal Credit Union Home Equity & HELOC

First Source Federal Credit Union Auto Loan Rates

First Source Federal Credit Union RV, Boat and Powersport Loan Rates

First Source Federal Credit Union Credit Card Rates

First Source Federal Credit Union Personal Loan Rates

First Source Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Source Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Source Federal Credit Union

How many branches does First Source Federal Credit Union operate?

Is a member application needed to join First Source Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Source Federal Credit Union offer online and mobile banking?

Current First Source Federal Credit Union Rates

Compare to Other Credit Unions