First Source New Hartford NY Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to First Source, your trusted partner in financial services located at 4451 Commercial Dr, New Hartford, NY 13413. Since our establishment in 1938, we have dedicated ourselves to providing exceptional service and support to our community. With a total membership of 62,132 and total assets reaching an impressive $1,063,820,676, we pride ourselves on being more than just a credit union; we are a vital part of the New Hartford community. At First Source, we understand that financial needs vary from person to person. That's why we offer a comprehensive range of services tailored for everyone from personal banking solutions like checking and savings accounts to specialized loans including auto financing and mortgages. As of now, we have granted over 55,286 loans, totaling more than $552 million in loans and leases, helping our members achieve their dreams. Our commitment extends beyond numbers; it's about making a difference in the lives of our members. With a net worth of $100,478,065 and cash reserves exceeding $4,352,043, we ensure that your deposits currently totaling $52,972,537 are safe and secure. Our team of 244 employees, led by our CEO John Calabrese and Board President Raymond Philo, is always ready to assist you with personalized service. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: 4451 Commercial Dr, New Hartford, NY 13413-6207. We invite you to explore what First Source has to offer. Whether you're looking for a new account or need assistance with a loan application, feel free to reach out by calling us at 315-735-8571 or visiting our website at www.fsource.org. Your financial journey starts here!

Branch History & Mission

Commitment to Innovation

As we move forward, First Source remains committed to embracing technology while ensuring accessibility for all our members. We provide online and mobile banking options so you can manage your finances anytime and anywhere. Our ADA-compliant facilities also reflect our commitment to inclusivity. With multiple initiatives aimed at enhancing member experience such as electronic signatures and person-to-person payment options we strive to make banking straightforward and enjoyable for everyone.

Join Us Today!

We invite you to become part of the First Source family! Experience the difference that comes from being a member of a community-focused credit union. To learn more about how you can join or if you have any questions about our services, please visit our website or call us at 315-735-8571. Together, let's build a brighter financial future!

Our Mission

Our mission at First Source is simple yet profound: to empower our members by providing exceptional financial services while supporting community growth. We believe that everyone deserves access to fair and affordable financial solutions. From checking and savings accounts to auto loans and mortgages, we aim to meet the diverse needs of our membership. In addition to traditional banking services, we focus on giving back to our community through various outreach efforts. Whether it's sponsoring local events or partnering with organizations that uplift those in need, we are dedicated to making a positive impact right here in New Hartford.

Branch Location & Accessibility

Connect with Us!

Have questions? Feel free to call us at 315-735-8571. Our team is ready to help you navigate your financial journey with ease. We invite you to visit us at First Source where banking feels like home!

Nearby Landmarks and Accessibility Features

Located near popular spots like the New Hartford Shopping Center, our branch is well-positioned for your convenience. We offer ample parking so you can easily access our services without any hassle. Plus, our facility complies with ADA guidelines, making it accessible for everyone, including those with mobility challenges.

Operating Hours and Services

At First Source, we understand that your time is valuable. That's why we have flexible operating hours: Monday through Wednesday from 9 AM to 4 PM, Thursday and Friday from 9 AM to 5 PM, and Saturday from 9 AM to 12 PM. Whether you prefer in-person service or need assistance after work hours, we strive to meet your needs. We're proud to provide a range of services that include personal banking options like checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking solutions. Additionally, you can enjoy the convenience of our drive-thru banking for quick deposits and withdrawals as well as ATM access for cash withdrawals and balance checks.

Member Eligibility

At First Source, we believe that everyone deserves to be part of a caring community focused on your financial well-being. Joining us is easy and welcoming! You can become a member if you live, work, or worship in the areas we serve, which opens the door for many in our local community. For detailed information about eligibility requirements, feel free to visit our website at http://www.fsource.org/become-a-member. Once you've confirmed that you're eligible, opening an account is straightforward. You can start your membership journey online by visiting http://www.fsource.org/apply-online, or if you prefer to speak with someone directly, don't hesitate to call us at (315) 735-8571. We're here to help you every step of the way as you take advantage of all the benefits that come with being a member at First Source from great loan options to personal banking services tailored just for you!

Business Banking & Commercial Services

Merchant Services That Empower

In addition to loans, we offer essential merchant services that simplify everyday transactions for your business. Picture this: you're running a busy café, and with our merchant services, you can easily process payments from customers using various methods credit cards, mobile payments, and more. This not only enhances customer satisfaction but also streamlines your operations. Located conveniently at 4451 Commercial Dr New Hartford Ny 13413 in New Hartford, NY, we are here to help your business thrive. For more information or to discuss how we can assist you further, give us a call at (315) 735-8571. Let's work together to make your business dreams a reality!

Tailored Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $581 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $80,094,645, we continue to drive economic growth by financing new and expanding businesses. Imagine being able to invest in new equipment, hire additional staff, or launch a marketing campaign all made possible through our flexible financing solutions.

Comprehensive List Of Services

Business Banking

If you're a business owner, our Business Banking services offer essential tools such as merchant services and business loans tailored for growth. We understand that running a business comes with its own set of challenges, and we're here to support you with flexible banking solutions.

Convenient Access

Accessibility is key at First Source Federal Credit Union. With an ATM located on-site and basic drive-thru banking available for deposits and withdrawals, getting cash or handling simple transactions is quick and straightforward. Plus, our team is just a phone call away at (315) 735-8571, ready to assist you with any questions or concerns. At First Source, we're committed to ensuring all members feel valued and supported in their financial journey. We invite you to explore these services further by visiting us at our branch or checking out more online at our website. Whether you're opening an account or applying for a loan, we're excited to be part of your financial future!

Credit Cards and Rewards

We also know how rewarding it can be to use credit wisely. Our Credit Cards with Rewards allow you to earn points on everyday purchases, making each transaction count towards something special.

Loans and Financing

Thinking about buying a new car or refinancing your home? Our Auto Loans & Vehicle Financing make it simple for you to drive away in the vehicle you love without breaking the bank. If you're looking for a place to settle down, our Mortgage Loans & Refinancing options provide competitive rates that fit your budget. For those unexpected expenses or consolidating debt, consider our Personal Loans & Debt Consolidation solutions.

Personal Banking

For those wanting to manage their everyday finances, our Personal Banking services are perfect. We offer checking and savings accounts that come with user-friendly features, ensuring your money is always accessible when you need it. Imagine being able to check your balance or transfer funds effortlessly with our Online & Mobile Banking services! With features like mobile payments and e-statements, managing your finances has never been easier.

Digital & Online Banking

Features That Make Banking Easy

In today's fast-paced world, making payments should be quick and easy. That's where our mobile payments feature shines. Use your smartphone to make purchases at participating merchants without digging for cash or cards. Additionally, with person-to-person transfers, sending money to friends or family is seamless whether it's splitting a bill or sending a gift. We believe in providing real-time account management tools that empower you to stay on top of your finances. From setting up alerts for low balances to monitoring transaction history, you'll have everything you need right at your fingertips. At First Source, we're committed to enhancing your banking experience through innovative technology while ensuring that you feel secure every step of the way. Explore all our digital banking services today at https://www.fsource.org/.

Security and Accessibility

Your security is our top priority. We use advanced encryption methods to protect your personal information and transactions. Plus, with features like electronic signature authorization, you can sign documents securely without the hassle of printing and scanning. Our e-statements provide an eco-friendly way to keep track of your financial activity while eliminating clutter from your mailbox. You'll receive notifications when new statements are available, allowing you to review them anytime.

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 143,572, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,864,264 further illustrate our commitment to providing you with the best possible service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Source is your trusted partner. Visit us at 4451 Commercial Dr New Hartford Ny 13413 or call (315) 735-8571 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $229,003,770 in share certificates and $204,366,331 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $63,148,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $2,068,540 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 229 full-time employees and 15 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $100,478,065 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is evident with $12,749 in used auto loans and $996,423,118 in total loans and leases.

Solid Financial Health

With a net worth of $100,478,065, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.67% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $218,933,981 in used vehicle loans and $117,924,294 in new vehicle loans already helping members get on the road. We provide financing options that make it easy for you to purchase the vehicle you need without breaking the bank.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $85,491,526, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your current mortgage, our team is here to guide you through every step of the process.

Other Financing Options

For those seeking additional financing solutions, we provide various other loan products tailored for different needs. If you are interested in business financing, our outstanding commercial loans totaling $80,094,645 offer essential capital for growth and expansion. Additionally, we have numerous options for personal loans and debt consolidation.

Refinancing and Eligibility

If you're considering refinancing any of your current loans or exploring eligibility options for our products, we encourage you to reach out. Our knowledgeable staff is ready to assist you in finding the best solution for your situation. To learn more about our loan offerings or to discuss which option may be right for you, please contact us at (315) 735-8571. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to supporting you on your financial journey!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $26,493,086 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to help you save while making purchases more manageable.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means that every loan offer you see is backed by credible financial institutions, ensuring fair and transparent offers.

FIRST SOURCE FEDERAL CREDIT UNION - New Hartford, NY

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in New Hartford, NY (13413)