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Credit union · NCUA insured

First Source Federal Credit Union Credit Card Rates

Top Carrot, Carrot Score 89Top Carrot

First Source Federal Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How First Source Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Utica, NY, where First Source Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • Top Carrot, Carrot Score 89

    This credit union’s lowest

    First Source Federal Credit Union

    8.90%APR

    Up to
    —

    VISA Platinum

  • Top Carrot, Carrot Score 95

    Lowest rate

    Remington Federal Credit Union

    6.99%APR

    Up to
    —

    Remington Federal Credit Union rates

  • Top Carrot, Carrot Score 95

    3rd-lowest rate

    Utica Gas & Electric Federal Credit Union

    8.90%APR

    Up to
    13.75% APR

    Utica Gas & Electric Federal Credit Union rates

Compare credit card rates near you →

First Source Federal Credit Union credit card score

89

Credit card score

Higher than 87% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR8.90%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where First Source Federal Credit Union ranks

By credit card score, in each area where it has branches

Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

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This may be incomplete or out of date, so check with the credit union before you apply.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