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First Source

4451 Commercial Dr, New Hartford, NY 13413
NCUA Insured3.2 (83 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1938

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

4451 Commercial Dr

New Hartford, NY 13413

Service Area

This credit union is located in New Hartford and serves members in the NY area. Currently serving 63,773 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 Β· NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.71%

Used Auto Loan

8.29%

Personal Loan

11.67%

Credit Card APR

9.36%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union β€” not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

3.2

83 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Karen LaScala

Karen LaScala

4 months ago

For the last 3 years, I have worked with Pam Way and Katie Ullman for assistance in reviving interest in the Ride for Missing Children-Mohawk Valley, a 30-year community event. Pam and Katie renewed the look and feel of our print media. They are professional and knowlegeable about the mission of this event. Add that to their vast expertise in promoting community fundraisers such as ours, I state unequivocally that their input has been invaluable to our leadership team and the recent growth of the RFMC-MV is due to their efforts on our behalf.

Brandon Zahniser

Brandon Zahniser

7 months ago

First becoming a member acquiring a loan was a one day process. Quick fast easy. Applying for an auto loan this time around is now approaching 2 weeks. This has been the worst loan experience I have ever undergone and I am strongly considering switching credit unions.

Leila Bjornland

Leila Bjornland

4 months ago

I have been a customer of First Source for over 10 years, from opening a savings account to taking out car loans to helping my daughters go through College. They offer great rates, are friendly, quick, and always helpful!

Billy Reynolds

Billy Reynolds

8 months ago

Overall, First Source FCU is a good bank/credit union! However, They're only open until 4pm during the week, which is terrible for those that work 8-4!! On top of that, it's difficult to get a loan at First Source, even if you put up your house as collateral!! 😑. I have been a loyal customer for over two decades, but it didn't seem to matter to the loan underwriters! 😑. The main positive about this branch...the level of customer service is excellent. They do have some nice people that work there! πŸ˜€

Michelle Conley-Kane

Michelle Conley-Kane

5 months ago

Do not I repeat do not bank with them. I was scammed out of $800 gave all the necessary proof of fraud and FS denied my claim. I had over 30 supporting documents ! FS will not protect its consumers. And don’t start your sentence with I understand or unfortunately. Cram it ! FS is the scam! Do not bank with them. Consumer beware.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • β€’ Current loan rates & terms
  • β€’ Membership eligibility requirements
  • β€’ Minimum deposit to open an account
  • β€’ Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).