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

Introduction

At First Source Federal Credit Union, we believe in building strong communities and nurturing lasting relationships with our members. Located at 50 Auert Ave, Utica, NY 13502, our branch has been serving the local community since 1938. With a commitment to providing personalized banking solutions, we've grown to support over 62,000 members with assets totaling an impressive $1,063,820,676. Our dedicated team of 244 employees, led by CEO John Calabrese and Board President Raymond Philo, is here to ensure you have access to the financial services that matter most. Whether you're looking for a new auto loan, mortgage options, or simply want to open a checking account, we've got you covered. Our total deposits stand at $52,972,537, reflecting the trust our members place in us. We pride ourselves on being more than just a financial institution. We aim to make a positive impact on our community while helping you achieve your financial goals. With resources like online and mobile banking available at your fingertips, managing your finances has never been easier. While members can visit us at our branch location, official correspondence should be sent to the same address: 50 Auert Ave, Utica, NY 13502. For any inquiries or assistance, feel free to call us at 315-624-9430. Join us today and experience the difference that comes with being part of the First Source family! Visit our website at fsource.org or stop by to learn more about how we can support your financial journey.

Branch History & Mission

Commitment to Innovation

We understand the importance of keeping up with technological advancements. That's why we offer online banking, mobile payments, and e-statements to ensure your banking experience is convenient and secure. We also have an ATM available for cash withdrawals and balance checks when you need them most.

Join Us!

As we continue this journey together, we invite you to become part of the First Source family. Whether you are looking for personal banking solutions or want to explore business opportunities, there's a place for you here. Visit us today or check out our website at First Source to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future! For any inquiries or assistance, feel free to call us at 315-624-9430.

Our Journey

First Source began its journey as a small financial cooperative focused on providing affordable financial services to our members. Over the decades, we have evolved into a trusted institution that not only offers personal and business banking solutions but also actively participates in community outreach programs. Our branch is located at 50 Auert Ave, Utica, NY 13502, a convenient spot near local landmarks that makes it easy for members to access our services. As we grew, so did our offerings. From basic savings accounts to comprehensive auto loans and mortgage solutions, First Source has continuously adapted to meet the changing needs of our members. Today, we proudly provide a range of services including checking and savings accounts, credit cards with rewards, and online banking features that enhance your experience with us.

Our Mission

At First Source, our mission is simple: to empower individuals and businesses by providing accessible financial services while fostering community growth and support. We believe that strong communities build strong financial futures. That's why we invest in local initiatives and partnerships that uplift those around us. While you can visit us at 50 Auert Ave, any official correspondence should be sent to the same address as our mailing address. We take pride in being ADA compliant and ensuring all our facilities are accessible for everyone.

Branch Location & Accessibility

Welcome to First Source, your friendly neighborhood credit union located at 50 Auert Ave in Utica, NY! We're nestled in Oneida County, conveniently close to local landmarks like the Utica Zoo and the beautiful Roscoe Conkling Park, making it easy for you to drop by. Whether you're coming from a nearby school or just running errands in the area, our branch is designed with your convenience in mind. At First Source, we prioritize accessibility. Our location features ADA-compliant entrances and ample parking spaces so that every member can feel welcome. While you can visit us at our main address, official correspondence should be sent to the same address: 50 Auert Ave, Utica, NY 13502. We're here for you throughout the week! Our operating hours are Monday through Wednesday from 9 AM to 4 PM, Thursday and Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 12 PM. This gives you plenty of time to visit us when it's most convenient for you. For any questions or assistance, feel free to call us at 315-624-9430. Our team is ready and eager to help with everything from personal banking needs like checking and savings accounts to vehicle financing options. Plus, we offer ATM services for quick cash withdrawals whenever you need them. While we currently do not have drive-thru services or shared service centers available, we assure you that our friendly staff is always here to assist you inside our branch. Come visit us today and experience the personal touch of banking with First Source. Your financial well-being is our priority!

Member Eligibility

At First Source, we believe that everyone deserves access to a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in the area around 50 Auert Ave Utica Ny 13502, you're likely eligible to join us. We embrace individuals from all walks of life, providing you with the opportunity to enjoy personalized banking services tailored to your needs. Whether you're looking for checking and savings accounts, loans, or other financial products, our team is here to help you every step of the way. To learn more about our eligibility criteria, feel free to visit our website at http://www.fsource.org/become-a-member . When you're ready to take the next step, opening an account is a breeze! Just head over to http://www.fsource.org/apply-online and follow the easy instructions. If you have any questions or need assistance, don't hesitate to give us a call at (315) 624-9430. We can't wait to welcome you into our community!

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $80,094,645, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine having a seamless experience accepting payments whether it's in-store or online allowing you to focus more on what you do best: running your business. Our tools make transactions easy and secure, helping you serve your customers better. Located at 50 Auert Ave Utica Ny 13502 in Utica, NY, we're here to partner with you on your journey to success. For more information or to schedule a consultation, call us at (315) 624-9430 today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

For those times when you need cash quickly, our ATM services are readily available. You can easily withdraw cash or check your balance without any hassle just another way we prioritize convenience for our members. At First Source, we're committed to making banking as straightforward as possible. Whether you're visiting us in person at 50 Auert Ave Utica Ny 13502 or using our digital platforms, we're here to assist you every step of the way. If you're interested in learning more about how we can help with your financial needs or if you'd like to open an account today, don't hesitate to reach out! Call us at (315) 624-9430, visit us online at First Source Federal Credit Union, or stop by our branch! Your financial well-being is just a step away!

Business Banking

For our business members, we understand the importance of financial tools that help you succeed. Our business banking services include merchant services and business loans tailored to support your growth.

Loans for Every Need

When it comes to financing, First Source has you covered. Looking for a new car? Our auto loans and vehicle financing options make it simple to drive away in the vehicle of your dreams. Perhaps you're considering buying a home or refinancing your current mortgage? We offer mortgage loans that can help you navigate that journey smoothly. If you're facing unexpected expenses or want to consolidate debt, our personal loans are designed to give you the support you need. Additionally, our credit cards come with rewards that make every purchase feel rewarding.

Online & Mobile Banking

In today's fast-paced world, managing your finances should be simple and accessible. That's why we offer robust online and mobile banking options. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer money, and pay bills from wherever you are. Plus, with features like person-to-person payments, sending money to friends or family has never been easier!

Personal Banking

Whether you're just starting out or looking to manage your finances more effectively, our personal banking services offer everything you need. We provide various checking and savings accounts that fit different lifestyles. Imagine having a checking account that allows easy access to your funds while earning interest on your savings it's all possible here!

Digital & Online Banking

Key Services

Our online banking platform, available at https://www.fsource.org/ , allows you to manage your finances with ease. You can check your balance, view transaction history, and even pay bills from the comfort of your home or on the go. Plus, our mobile application makes banking on your smartphone simple and efficient. For those who prefer going paperless, we offer e-statements, ensuring you have quick access to your financial information without cluttering up your mailbox. Our electronic signature authorization feature further simplifies processes like loan applications or account changes, allowing you to sign documents securely from wherever you are.

Security and Accessibility

We prioritize the safety of our members' information. Our online banking services are protected with robust security measures, so you can feel confident while managing your accounts. Additionally, our mobile payments feature lets you make purchases directly from your phone with ease just tap and go! Need to send money to a friend? With our person-to-person transfer option, it's quick and hassle-free. All these features are available 24/7 through our online banking system, giving you real-time control over your finances whenever you need it. Whether you're looking to check your account balance or transfer funds on the fly, First Source has you covered. Experience the convenience of modern banking today!

Financial Strength

Building Stronger Connections

The strength of our community is evident with a total of 143,572 share accounts, showcasing a strong and growing member base that trusts us with their finances. The funds available for lending and investments stand at $2,864,264, highlighting our commitment to supporting your financial 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 50 Auert Ave Utica NY 13502 or call 315-624-9430 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 and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $12,749 in used auto loans and a total of $996,423,118 in loans and leases available.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, 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 and committed team.

Our 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.

Secure Savings for Our Members

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.

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 also provide flexible terms to ensure that financing fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $80,094,645 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to upgrade your existing operations, we're here to support you. If you're interested in refinancing options or want to check eligibility for any of our loan products, please visit our website or call us at 315-624-9430. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how we can assist you today!

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 offer competitive rates and personalized service to help guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. With a total of $26,493,086 in loans available, our cards come with flexible terms designed to help you manage your finances effectively.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 guarantees that all loan offers presented are fair and transparent. Users can trust that they are viewing legitimate offers without hidden agendas.

Benefits of Using LendMesh

- Verified Data: Loan offers come only from reputable financial institutions, ensuring users receive trustworthy information. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions. This approach allows for truly unbiased results. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, empowering users to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the real-world impact LendMesh has on helping individuals secure better financial terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

FIRST SOURCE FEDERAL CREDIT UNION