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Credit union · NCUA insured

First Source Federal Credit Union CD Rates

Top Carrot, Carrot Score 89Top Carrot

First Source Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 16, 2026.

How First Source Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Utica, NY, where First Source Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 89

    This credit union’s best

    First Source Federal Credit Union

    4.00%APY

    Term
    6 months
    Minimum
    —
    Earns on $10,000
    $198

    Share Certificate

  • Top Carrot, Carrot Score 95

    Top rate

    Utica Gas & Electric Federal Credit Union

    4.60%APY

    Term
    10 months
    Minimum
    $500
    Earns on $10,000
    $382

    Utica Gas & Electric Federal Credit Union rates

  • Top Carrot, Carrot Score 91

    2nd-highest rate

    AmeriCU Credit Union

    4.50%APY

    Term
    3 months
    Minimum
    $50
    Earns on $10,000
    $111

    AmeriCU Credit Union rates

Compare CD rates near you →

First Source Federal Credit Union CD score

81

CD score

Higher than 55% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.00%
  • 9–15 months9–15 mo3.75%
  • 16–30 months16–30 mo3.25%
  • 31–60 months31–60 mo2.50%
  • QualifiedQualified4.00%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where First Source Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join First Source Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Individuals who live, work, worship, or attend school in designated underserved census tract codes in Utica, Rome, and Herkimer, NY are eligible for membership.

Employers and groups

  • Members, employees, retirees, volunteers, or students of participating Select Employee Groups (SEGs) and Associations are eligible for membership.

Family and household

  • Individuals related through immediate family members or household relationships qualify for membership.

Other ways

  • Members of the American Consumer Council (ACC), a national association supporting financial literacy, qualify for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← First Source Federal Credit Union overview