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

Introduction

Welcome to First Source Federal Credit Union, your trusted financial partner since 1938! Located at 1634 Genesee St, Utica, NY 13502, we pride ourselves on providing a welcoming environment where members feel valued and supported. With a strong commitment to our community, we have grown to serve over 62,000 members and manage assets totaling more than $1 billion. At First Source, we believe in making banking easy and accessible. Whether you are looking for personal banking solutions like checking and savings accounts, auto loans, or credit cards with rewards, we've got you covered. Our dedicated team of 244 employees is here to assist you with every step of your financial journey. While members can visit us at our branch location, official correspondence should be sent to the same address: 1634 Genesee St, Utica, NY 13502-5428. Our commitment goes beyond numbers; it's about building relationships and fostering financial well-being within our community. Under the leadership of our CEO, John Calabrese, and Board President, Raymond Philo, we continuously strive to enhance the services we offer. With total deposits amounting to $52,972,537 and total loans exceeding 55,286, we ensure that we're prepared to meet your needs. Ready to experience the difference? Reach out to us at 315-735-1030 or explore our offerings online at First Source Federal Credit Union. Your journey toward better financial health starts here!

Branch History & Mission

Join Us

We invite you to become part of the First Source family. Experience the benefits of membership today! Explore our wide range of services designed with your needs in mind whether it's personal banking or business solutions. Visit us online at First Source or apply for membership here. Together, let's build a brighter financial future!

Our Journey

First Source began with a simple goal: to empower individuals and families through accessible financial services. Over the years, we've expanded our offerings from basic savings accounts to include auto loans, mortgages, personal loans, and business banking solutions. In addition to our traditional banking services, we have embraced technology to make banking more convenient for our members. Our online banking platform and mobile app allow you to manage your finances anytime and anywhere. As we evolved, we remained committed to community support. We believe that by investing in local initiatives and partnerships, we can help foster a thriving community where everyone has the opportunity to succeed. From sponsoring local events to providing financial literacy programs, First Source is dedicated to making a positive impact in Utica and beyond.

Our Mission

At First Source, our mission goes beyond just providing financial products; it's about building relationships and supporting the dreams of our members. We strive to offer personalized service tailored to each individual's needs, ensuring that everyone feels valued and understood. Whether you need assistance with opening an account or navigating loan options, our team is here to guide you every step of the way. While members can visit us at 1634 Genesee St, official correspondence should be sent to the same address. You can reach us at (315) 735-1030 during our operating hours: Monday through Wednesday from 9:00 AM to 4:00 PM, Thursday and Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM for drive-thru only.

Branch Location & Accessibility

Contact Us

If you have any questions or would like to learn more about our services, don't hesitate to reach out! Call us at 315-735-1030, and one of our friendly representatives will be happy to assist you. We look forward to welcoming you into the First Source family!

Operating Hours

At First Source, we understand your busy schedule. That's why we offer flexible operating hours for your convenience. You can stop by our lobby from Monday to Wednesday between 9:00 AM and 4:00 PM, and on Thursday and Friday until 5:00 PM. For those on the go, we also have Saturday hours for drive-thru services from 9:00 AM to 12:00 PM.

Services Offered

We pride ourselves on providing a variety of banking services tailored to meet your needs. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans, mortgages, or credit cards with rewards our team is here to help! Plus, enjoy the ease of ATM access and drive-thru banking for quick transactions.

Member Eligibility

Becoming a member of First Source is like joining a close-knit family that genuinely cares about your financial well-being. If you live, work, or worship in the area, you're likely already eligible to join us! We welcome individuals from all walks of life, making it easy and inclusive for everyone. Plus, as a member, you'll enjoy personalized services and competitive rates that truly make a difference in your financial journey. To dive deeper into the specific eligibility criteria, feel free to check out our detailed information at http://www.fsource.org/become-a-member. When you're ready to take the next step, opening an account is simple! Just visit us at http://www.fsource.org/apply-online, or give us a call at (315) 735-1030 if you have any questions. We're located at 1634 Genesee St Utica Ny 13502, and we can't wait to welcome you into our community!

Business Banking & Commercial Services

Loan Options That Fuel Growth

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.

Practical Merchant Services

In addition to loans, we offer merchant services that make transactions easier for your business. Imagine having the ability to accept payments seamlessly while managing your cash flow effectively. Our services help streamline operations so you can focus on what matters most running your business. Visit us at 1634 Genesee St Utica Ny 13502 in Utica, NY or call us at (315) 735-1030 to explore how our tailored solutions can empower your business today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car or need to refinance an existing loan, our auto loans come with competitive rates and flexible terms. Picture driving off the lot in your dream vehicle while knowing you have affordable monthly payments that fit within your budget.

Business Banking

For entrepreneurs and business owners, First Source offers business banking services including merchant services and business loans. We understand the challenges of running a business, so we're here to help you find financial solutions that support growth and success.

Convenient Access

In addition to traditional services like deposits and withdrawals available through our basic drive-thru banking and ATM access, we also prioritize digital convenience. With features like mobile payments and person-to-person transfers, managing your finances has never been easier. We're dedicated to serving our community by providing reliable financial solutions at First Source Federal Credit Union. If you're interested in learning more about any of these services or want personalized advice tailored to your needs, please reach out! Call us today at (315) 735-1030, or visit us at 1634 Genesee St Utica Ny 13502. Let's work together toward a brighter financial future!

Credit Cards with Rewards

Maximize your spending power with our credit cards that come with rewards programs. Whether you're earning points for travel or cashback on everyday purchases, these cards are designed to reward you for using them.

Mortgage Loans & Refinancing

Homeownership is a big step, and at First Source, we offer mortgage loans that make it easier for you to buy your first home or refinance an existing mortgage. Our experienced team will work with you every step of the way to ensure you find the right loan product for your unique situation.

Personal Banking

For individuals and families, First Source provides personal banking options that include checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds with online and mobile banking tools that allow you to manage your accounts anytime, anywhere. You can transfer money, check balances, and even pay bills with just a few taps on your phone.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we provide personal loans for various needs. From covering medical bills to consolidating debt into one manageable payment, our loans are designed to give you peace of mind during tough times.

Digital & Online Banking

Key Features

Our online banking offers a suite of features tailored to meet your needs. You can view your account balances, transfer funds, and pay bills all from the comfort of your home or on-the-go. With 24/7 online banking services, you're never far from your finances. For those who prefer mobile solutions, our user-friendly mobile application allows you to manage your accounts right from your smartphone. Whether you're making mobile payments or sending money to friends through person-to-person transfers, it's all just a tap away.

Security and Accessibility

Your security is our top priority. We offer electronic signature authorization to streamline processes while keeping your information safe. Plus, with e-statements available, you can receive important account documents securely and conveniently, reducing paper clutter. We believe that banking should be easy and accessible for everyone. Our mobile payments feature means you can leave your wallet at home and still make purchases quickly and securely. At First Source, we're committed to providing you with the tools you need for real-time account management while ensuring that every transaction is secure. Experience the ease of modern banking with us today!

Financial Strength

A Growing Community

Total Share Accounts: 143,572, show a strong and growing member base that trusts us with their finances. This growth reflects the confidence placed in us by our community as we work together towards shared success. In conclusion, 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 1634 Genesee St Utica Ny 13502 or call (315) 735-1030 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Commitment to 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 lending capacity is supported by $12,749 in used auto loans and $996,423,118 in total loans and leases, enabling us to help you achieve your financial goals across various sectors. Our operational efficiency is reflected in our $0, allowing 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.

Member Savings and Investment

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.

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 purchasing a brand-new vehicle or a reliable used one, our financing options are tailored to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $80,094,645 provide the capital needed to grow and expand. We understand the challenges of running a business and offer tailored financing options that support your operational needs.

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. These credit cards come with rewards and benefits that enhance your spending power while keeping your finances manageable.

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. We provide various mortgage solutions with competitive interest rates and terms designed to meet your unique needs.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, we're here to help. Our team will guide you through the process and ensure you find the best solutions for your financial situation. At First Source, we pride ourselves on transparency and accessibility. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have questions or would like more information about any of our loan offerings, feel free to reach out at 315-735-1030. We're here to assist you every step of the way!

Loan Aggregator

Ensuring Accurate Comparisons

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Key Benefits of Using LendMesh

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First Source