Credit union · NCUA insured
First Source Federal Credit Union Savings Rates
Top CarrotFirst Source Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How First Source Federal Credit Union’s savings 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.
This credit union’s best
First Source Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $0.01
- Earns on $10,000 a year
- $100
Money Market
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
Bank of Utica
2.30%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $230
First Source Federal Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.90%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.30%
- QualifiedQualified1.00%
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.
Where First Source Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.00%APY
Variable rate account. Membership eligibility required. $0.01 minimum balance to earn dividends and deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Variable rate. Monthly dividends. | 0.90% | — | Variable rate. Monthly dividends. |
| $5,000 – $10,000Variable rate. Monthly dividends. | 0.90% | — | Variable rate. Monthly dividends. |
| $10,000 – $25,000Variable rate. Monthly dividends. | 1.00% | $100 | Variable rate. Monthly dividends. |
| $25,000 – $50,000Variable rate. Monthly dividends. | 1.00% | — | Variable rate. Monthly dividends. |
| $50,000 – $100,000Variable rate. Monthly dividends. | 1.30% | — | Variable rate. Monthly dividends. |
| $100,000 – $250,000Variable rate. Monthly dividends. | 1.30% | — | Variable rate. Monthly dividends. |
| $250,000 – $500,000Variable rate. Monthly dividends. | 1.40% | — | Variable rate. Monthly dividends. |
| $500,000 – $1,000,000Variable rate. Monthly dividends. | 1.50% | — | Variable rate. Monthly dividends. |
| $1,000,000 and upVariable rate. Monthly dividends. | 1.80% | — | Variable rate. Monthly dividends. |
Sources (3)
All captured Oct 5, 2026
Regular Share
0.25%APY
Requires membership eligibility and a $5 minimum deposit at account opening. Variable rate account; rates subject to change without notice. Fees can reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Minimum balance to earn dividends is $0.01. $5 minimum deposit required at account opening. | 0.25% | — | Minimum balance to earn dividends is $0.01. $5 minimum deposit required at account opening. |
| $1,000 – $5,000Minimum balance to earn dividends is $1,000.00. $5 minimum deposit required at account opening. | 0.25% | — | Minimum balance to earn dividends is $1,000.00. $5 minimum deposit required at account opening. |
| $5,000 – $10,000Minimum balance to earn dividends is $5,000.00. $5 minimum deposit required at account opening. | 0.25% | — | Minimum balance to earn dividends is $5,000.00. $5 minimum deposit required at account opening. |
| $10,000 and upMinimum balance to earn dividends is $10,000.00. $5 minimum deposit required at account opening. | 0.25% | $25 | Minimum balance to earn dividends is $10,000.00. $5 minimum deposit required at account opening. |
Special Purpose Account
0.25%APY
Allows saving for specific goals with automatic deposit options. Withdrawals allowed at any time. Variable rate account; rates subject to change without notice. Membership eligibility required. Fees can reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Minimum balance to earn dividends is $0.01. | 0.25% | — | Minimum balance to earn dividends is $0.01. |
| $1,000 – $5,000Minimum balance to earn dividends is $1,000.00. | 0.25% | — | Minimum balance to earn dividends is $1,000.00. |
| $5,000 – $10,000Minimum balance to earn dividends is $5,000.00. | 0.25% | — | Minimum balance to earn dividends is $5,000.00. |
| $10,000 and upMinimum balance to earn dividends is $10,000.00. | 0.25% | $25 | Minimum balance to earn dividends is $10,000.00. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share
0.25%APY
Available as Traditional, Roth, or SEP (Sponsored Employee Plan). Monthly dividends; no minimum balance required. Early withdrawal penalties may apply. Direct transfers and rollovers available. Variable rate account; rates subject to change without notice. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Minimum balance to earn dividends is $0.01. | 0.25% | — | Minimum balance to earn dividends is $0.01. |
| $1,000 – $5,000Minimum balance to earn dividends is $1,000.00. | 0.25% | — | Minimum balance to earn dividends is $1,000.00. |
| $5,000 – $10,000Minimum balance to earn dividends is $5,000.00. | 0.25% | — | Minimum balance to earn dividends is $5,000.00. |
| $10,000 and upMinimum balance to earn dividends is $10,000.00. | 0.25% | $25 | Minimum balance to earn dividends is $10,000.00. |
Sources (2)
All captured Oct 5, 2026
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.