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

Introduction

Welcome to First Source Federal Credit Union, your trusted financial partner located at 8 Kellogg Rd, New Hartford, NY 13413. Established in 1938, we have proudly served our community for over eight decades, fostering a spirit of cooperation and financial empowerment. With a strong membership base of 62,132 members and total assets exceeding $1,063,820,676, we are dedicated to providing exceptional banking services tailored to meet your needs. While you can visit us at our branch on Kellogg Road, please direct any official correspondence to our mailing address at 4451 Commercial Drive, New Hartford, NY 13413. We understand the importance of accessible banking and strive to make every interaction convenient and efficient. Our leadership team is committed to ensuring that First Source remains a pillar of support in the community. Under the guidance of CEO John Calabrese and Board President Raymond Philo, we are focused on delivering value through our extensive range of financial products. With total deposits reaching $52,972,537 and loans totaling 55,286, we work hard to help our members achieve their financial goals. At First Source Federal Credit Union, we believe in the power of personal connections. Our dedicated staff of 244 employees is here to assist you with everything from checking accounts and auto loans to business financing solutions. We also offer modern conveniences such as online banking and mobile payments for added flexibility. Join us today and experience the difference that comes with being part of a member-focused credit union. Whether you're looking to open an account or need assistance with existing services, don't hesitate to reach out at 800-735-8571. Together, let's navigate your financial journey! For more information about our offerings or to become a member, visit us at First Source Federal Credit Union.

Branch History & Mission

At First Source, we pride ourselves on a rich legacy that dates back to 1938. Located at 8 Kellogg Rd, New Hartford, NY 13413, our branch has been a cornerstone of the community for over eight decades, dedicated to providing financial services and supporting the local residents. Since our inception, First Source has evolved significantly. We began as a small credit union focused on helping members with their banking needs. Today, we have grown to serve over 62,000 members and manage assets totaling $1,063,820,676. Our commitment to offering quality financial services has allowed us to expand our offerings over the years. From personal banking like checking and savings accounts to auto loans and mortgages, we strive to meet the diverse needs of our community. Our mission is simple yet profound: to empower our members by providing accessible financial services while fostering a strong sense of community support. We believe in building relationships that extend beyond banking transactions. Whether it's through financial education initiatives or local outreach programs, we aim to make a real difference in the lives of our members and their families. While you can visit us at 8 Kellogg Rd, official correspondence should be sent to our mailing address at 4451 Commercial Drive, New Hartford, NY 13413. We offer convenient operating hours Monday through Wednesday from 9:00 AM to 4:00 PM and Thursday through Friday from 9:00 AM to 5:00 PM along with drive-thru service and ATM access for added convenience. First Source is also proud of its digital advancements that cater to modern banking needs. With features such as online banking, mobile payments, and electronic signatures, we ensure that our services are not only compliant but also user-friendly. Community engagement is at the heart of what we do. By partnering with local organizations and participating in various outreach efforts, we aim to uplift those around us while ensuring that everyone feels welcome at First Source. Join us at First Source and experience the benefits of being part of a community-focused credit union where your financial goals matter. Whether you're looking for loans, savings options, or simply seeking guidance on your financial journey, we're here for you every step of the way. Contact us today at 800-735-8571 or visit our website here for more information!

Branch Location & Accessibility

Welcome to First Source, your local credit union in the heart of New Hartford! Conveniently located at 8 Kellogg Rd, our branch is easy to find and offers a welcoming atmosphere for all your banking needs. Whether you're coming from the bustling Commercial Drive or nearby landmarks, like the scenic New Hartford Parks, you'll find us right where you need us. While members can visit us at 8 Kellogg Rd, official correspondence should be sent to our mailing address at 4451 Commercial Drive, New Hartford, NY 13413. We understand how important accessibility is for our members. Our branch is designed with ADA-compliant features, ensuring that everyone can access our services comfortably. Plus, we have ample parking available for your convenience. At First Source, we pride ourselves on our friendly service and dedicated staff. Our operating hours are designed to accommodate busy schedules: we're open Monday through Wednesday from 9:00 AM to 4:00 PM and Thursday through Friday from 9:00 AM to 5:00 PM. If you prefer banking on the go, we also offer ATM access and drive-thru banking for quick transactions. Ready to experience personalized banking? Give us a call at 800-735-8571 or stop by today! We look forward to serving you at First Source!

Member Eligibility

Becoming a member of First Source is like stepping into a warm and welcoming community where your financial needs are prioritized. If you're looking to join us, the good news is that eligibility is simple and inclusive! Anyone who lives, works, worships, or attends school in the area surrounding our branch at 8 Kellogg Rd New Hartford Ny 13413 can become a member. This means that whether you're settling down in New Hartford or just passing through, we'd love to have you with us. Enjoy all the perks of membership, from personalized financial advice to competitive loan rates that help you reach your goals. To dive deeper into the specific eligibility criteria, feel free to check out our detailed guide at http://www.fsource.org/become-a-member . Once you're ready to take the next step, opening an account is easy! Just visit our website at http://www.fsource.org/apply-online , where you'll find everything you need to get started. If you have any questions or need assistance, don't hesitate to give us a call at (800) 735-8571. We look forward to welcoming you into the First Source family!

Business Banking & Commercial Services

Business 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. Whether you're looking to purchase equipment, expand your operations, or manage cash flow, our member-focused approach ensures you receive the support you need.

Merchant Services

Imagine having the tools to streamline your transactions and enhance customer satisfaction. Our merchant services make it easy for you to accept payments and manage sales efficiently. With solutions that fit your needs, you can focus on what really matters growing your business. Let us help you navigate the path to success. Visit us at 8 Kellogg Rd New Hartford Ny 13413 or call us at (800) 735-8571 to discover how our business banking solutions can empower your venture today!

Comprehensive List Of Services

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. With features like mobile payments, e-statements, and person-to-person transfers, managing your finances has never been easier. You can access your accounts anytime, anywhere all from the palm of your hand! Our branch also offers ATM services for quick cash withdrawals and balance checks, ensuring you're never far from your funds when you need them most. Plus, enjoy the ease of our drive-thru banking for basic transactions like deposits and withdrawals without leaving your vehicle.

Credit Cards & Business Banking

At First Source, we also offer credit cards with rewards, perfect for everyday purchases that can earn you cash back or points towards future travel. It's our way of saying thank you for being a loyal member. For business owners, our business banking services include merchant services and business loans tailored to help your business thrive. Whether you're just starting out or looking to expand, we have tools and resources designed specifically for your success.

Get Started Today!

We invite you to experience the friendly service and comprehensive financial solutions at First Source. Whether you're opening an account or seeking advice on loans, our dedicated staff is here to assist you. For more information about our offerings or to get started today, call us at (800) 735-8571 or visit us online at First Source Federal Credit Union. Your financial journey begins here!

Personal Banking Services

When it comes to personal banking, we have you covered. Our checking and savings accounts are designed to help you manage your day-to-day finances while earning interest on your savings. Imagine having a secure place for your funds that grows over time! Need a new car? Our auto loans and vehicle financing options make purchasing a vehicle easier than ever. With competitive rates and flexible terms, you can drive off with confidence knowing you've made the right choice for your budget. For those looking to buy a home or refinance their current mortgage, our mortgage loans and refinancing options can help you navigate the process smoothly. We'll work with you to find the right solution that fits your financial goals. If you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation services can provide the financial relief you need. We understand life happens, and we're here to support you every step of the way.

Digital & Online Banking

Key Features

Enjoy the convenience of e-statements, which are available at Yes. This not only helps you stay organized but also reduces paper waste good for both you and the environment. Plus, with our electronic signature authorization feature, signing documents is quick and hassle-free. You can complete transactions without the need for physical paperwork. Managing your payments is easier than ever with our mobile payments feature. Make purchases directly from your smartphone while keeping your information safe and secure. Don't forget about our dedicated mobile application! Available for download, it brings all these features right to your fingertips. If you want to send money to friends or family instantly, our person-to-person transfers make it easy to send cash directly from one account to another. Whether it's splitting a bill or sending a gift, this feature adds a layer of convenience that's hard to beat. At First Source, we prioritize security in all our digital services. Your financial safety is paramount, and we use advanced technology to protect your data while ensuring a smooth banking experience. In today's fast-paced world, having efficient online banking solutions means you can focus on what matters most your life while we take care of the rest!

Financial Strength

Commitment to Reinvestment

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 lending capacity supports members' financial goals with $12,749 in used auto loans and $996,423,118 in total loans and leases.

Growing Member Trust

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 demonstrate our capability to support your needs. 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 8 Kellogg Rd New Hartford Ny 13413 or call (800) 735-8571 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

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 $0 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.

Strong 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 $967 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we've got options that make it easy for you.

Credit Lines

If you're looking for flexibility in accessing funds when needed, our credit lines total $313,294,105. This option provides you with the convenience of having cash available whenever you need it without taking out a traditional loan.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $85,491,526, making buying or refinancing simple. We're here to guide you through every step of the process so that your journey toward owning a home is as smooth as possible.

Refinancing and Eligibility Options

For those considering refinancing existing loans or exploring eligibility options for new ones, our team is here to assist you. We can help determine if refinancing can save you money or if you qualify for any of our loan products. Our dedicated staff is available to answer your questions and guide you through our offerings. For more information or to discuss your specific needs further, please contact us at 800-735-8571 or visit our website at First Source. Let us help you take the next step toward financial success!

Unsecured Credit Cards

Managing day-to-day expenses can be challenging. 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 competitive rates and rewards that fit your lifestyle.

Loan Aggregator

Ensuring Accurate Comparisons

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 ensures that users receive fair and transparent offers. By verifying data from legitimate financial institutions, LendMesh provides peace of mind to users as they navigate their borrowing options.

Key Benefits of Using LendMesh

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FIRST SOURCE FEDERAL CREDIT UNION