--- title: "First Source Credit Union Rates (Nov 2026): Mortgage 7.15%" description: "First Source Credit Union rates today: 30 year fixed mortgage 7.15% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join First Source Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/first-source" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Source Credit Union Rates (Nov 2026): Mortgage 7.15% ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.154% APR | 7.000% | — | Standard | | **USDA 30-Year Fixed** 30 year fixed | 7.551% APR | 6.875% | — | Standard | | **VA 30-Year Fixed** 30 year fixed | 7.555% APR | 7.125% | — | Standard | | **FHA 30-Year Fixed** 30 year fixed | 8.095% APR | 7.125% | — | Standard | First Source Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 27 offers | Product | Published | Rate | Term / condition | Status | | **2024-2027 Including Classics (48 Month)** auto_any_48mo | — APR | 4.490% | 48 mo | Standard | | **2024-2027 Including Classics (36 Month)** auto_any_36mo | — APR | 4.490% | 36 mo | Standard | | **2024-2027 Including Classics (12 Month)** auto_any_12mo | — APR | 4.490% | 12 mo | Standard | | **2024-2027 Including Classics (24 Month)** auto_any_24mo | — APR | 4.490% | 24 mo | Standard | | **2024-2027 Including Classics (60 Month)** auto_any_60mo | — APR | 4.740% | 60 mo | Standard | | **Boats, Campers, RV's & Motor Homes (36 Month)** boat_any_36mo | — APR | 4.990% | 36 mo | Standard | | **Boats, Campers, RV's & Motor Homes (12 Month)** boat_any_12mo | — APR | 4.990% | 12 mo | Standard | | **Boats, Campers, RV's & Motor Homes (24 Month)** boat_any_24mo | — APR | 4.990% | 24 mo | Standard | | **Boats, Campers, RV's & Motor Homes (48 Month)** boat_any_48mo | — APR | 4.990% | 48 mo | Standard | | **2024-2027 Including Classics (72 Month)** auto_any_72mo | — APR | 5.240% | 72 mo | Standard | | **Boats, Campers, RV's & Motor Homes (60 Month)** boat_any_60mo | — APR | 5.240% | 60 mo | Standard | | **Boats, Campers, RV's & Motor Homes (72 Month)** boat_any_72mo | — APR | 5.490% | 72 mo | Standard | | **2024-2027 Including Classics (84 Month)** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | | **Boats, Campers, RV's & Motor Homes (84 Month)** boat_any_84mo | — APR | 5.990% | 84 mo | Standard | | **Recreational Use Vehicles (12 Month)** rv_any_12mo | — APR | 5.990% | 12 mo | Standard | | **Recreational Use Vehicles (24 Month)** rv_any_24mo | — APR | 5.990% | 24 mo | Standard | | **Recreational Use Vehicles (36 Month)** rv_any_36mo | — APR | 5.990% | 36 mo | Standard | | **Boats, Campers, RV's & Motor Homes (96 Month)** boat_any_96mo | — APR | 6.240% | 96 mo | Standard | | **Boats, Campers, RV's & Motor Homes (108 Month)** boat_any_108mo | — APR | 6.240% | 108 mo | Standard | | **Recreational Use Vehicles (48 Month)** rv_any_48mo | — APR | 6.250% | 48 mo | Standard | | **Recreational Use Vehicles (60 Month)** rv_any_60mo | — APR | 6.500% | 60 mo | Standard | | **Boats, Campers, RV's & Motor Homes (120 Month)** boat_any_120mo | — APR | 6.540% | 120 mo | Standard | | **Recreational Use Vehicles (72 Month)** rv_any_72mo | — APR | 6.600% | 72 mo | Standard | | **Recreational Use Vehicles (84 Month)** rv_any_84mo | — APR | 6.700% | 84 mo | Standard | | **2024-2027 Including Classics (96 Month)** auto_any_96mo | — APR | 7.240% | 96 mo | Standard | | **Boats, Campers, RV's & Motor Homes (180 Month)** boat_any_180mo | — APR | 7.540% | 180 mo | Standard | | **2024-2027 Including Classics (108 Month)** auto_any_108mo | — APR | 8.240% | 108 mo | Standard | First Source Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 10 offers | Product | Published | Rate | Term / condition | Status | | **1-Year Home Equity Loan — Intro Rate** heloc | — APR | 4.740% | — | Introductory offer | | **1st Lien Home Equity Loan (1-5 Years)** heloc_fixed | — APR | 4.740% | — | Standard | | **2nd Lien Home Equity Loan (1-5 Years)** heloc_fixed | — APR | 5.740% | — | Standard | | **1st Lien Home Equity Loan (6-10 Years)** heloc_fixed | — APR | 5.740% | — | Standard | | **18-Month Home Equity Loan — Intro Rate** heloc | — APR | 5.990% | — | Introductory offer | | **1st Lien Home Equity Loan (11-15 Years)** heloc_fixed | — APR | 5.990% | — | Standard | | **2nd Lien Home Equity Loan (6-10 Years)** heloc_fixed | — APR | 6.240% | — | Standard | | **1st Lien Home Equity Loan (16-20 Years)** heloc_fixed | — APR | 6.490% | — | Standard | | **2nd Lien Home Equity Loan (11-15 Years)** heloc_fixed | — APR | 6.740% | — | Standard | | **2nd Lien Home Equity Loan (16-20 Years)** heloc_fixed | — APR | 7.240% | — | Standard | First Source Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Holiday Loan (12 Months)** personal_unsecured_12mo | — APR | 5.990% | 12 mo | Standard | | **Home Improvement Loan (12 Month)** personal_unsecured_12mo | — APR | 7.990% | 12 mo | Standard | | **Home Improvement Loan (24 Month)** personal_unsecured_24mo | — APR | 7.990% | 24 mo | Standard | | **Home Improvement Loan (60 Month)** personal_unsecured_60mo | — APR | 8.490% | 60 mo | Standard | | **Home Improvement Loan (48 Month)** personal_unsecured_48mo | — APR | 8.490% | 48 mo | Standard | | **Home Improvement Loan (36 Month)** personal_unsecured_36mo | — APR | 8.490% | 36 mo | Standard | | **Home Improvement Loan (72 Month)** personal_unsecured_72mo | — APR | 8.990% | 72 mo | Standard | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 9.990% | 12 mo | Standard | | **Home Improvement Loan (96 Month)** personal_unsecured_96mo | — APR | 9.990% | 96 mo | Standard | | **Home Improvement Loan (84 Month)** personal_unsecured_84mo | — APR | 9.990% | 84 mo | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 9.990% | 24 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 10.490% | 60 mo | Standard | | **Home Improvement Loan (108 Month)** personal_unsecured_108mo | — APR | 10.490% | 108 mo | Standard | | **Home Improvement Loan (120 Month)** personal_unsecured_120mo | — APR | 10.490% | 120 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 10.490% | 48 mo | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 10.490% | 36 mo | Standard | First Source Credit Union personal loan rates as of November 12, 2026 ### Equipment loan rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Equipment Loan (36 Month)** equipment_36mo | — APR | 5.240% | — | Standard | | **Equipment Loan (12 Month)** equipment_12mo | — APR | 5.240% | — | Standard | | **Equipment Loan (24 Month)** equipment_24mo | — APR | 5.240% | — | Standard | | **Equipment Loan (48 Month)** equipment_48mo | — APR | 5.240% | — | Standard | | **Equipment Loan (60 Month)** equipment_60mo | — APR | 5.740% | — | Standard | | **Equipment Loan (72 Month)** equipment_72mo | — APR | 5.990% | — | Standard | | **Equipment Loan (84 Month)** equipment_84mo | — APR | 6.740% | — | Standard | | **Equipment Loan (120 Month)** equipment_120mo | — APR | 6.990% | — | Standard | First Source Credit Union equipment loan rates as of November 12, 2026 ### Other rates 19 offers | Product | Published | Rate | Term / condition | Status | | **$0.01 - $999.99 Minimum balance to earn dividends** other | — % | 0.250% | — | Standard | | **$5,000.00-$9,999.99 Minimum balance to earn dividends** other | — % | 0.250% | — | Standard | | **$10,000.00 and Over Minimum balance to earn dividends** other | — % | 0.250% | — | Standard | | **$1,000.00-$4,999.99 Minimum balance to earn dividends** other | — % | 0.250% | — | Standard | | **$1,000.00 - $4,999.99 Minimum balance to earn dividends** other | — % | 0.250% | — | Standard | | **$0.01-$999.99 Minimum balance to earn dividends** other | — % | 0.250% | — | Standard | | **6 Month Introductory Rate** other | — % | 2.990% | — | Introductory offer | | **2024 & Older (24 Month)** other | — % | 5.750% | — | Standard | | **2024 & Older (12 Month)** other | — % | 5.750% | — | Standard | | **2024 & Older (36 Month)** other | — % | 5.850% | — | Standard | | **2024 & Older (48 Month)** other | — % | 5.950% | — | Standard | | **RFMC Bicycle Loan (12 Month)** other | — % | 5.990% | — | Standard | | **2024 & Older (60 Month)** other | — % | 6.050% | — | Standard | | **2024 & Older (72 Month)** other | — % | 6.300% | — | Standard | | **2024 & Older (84 Month)** other | — % | 6.550% | — | Standard | | **2024 & Older (96 Month)** other | — % | 6.800% | — | Standard | | **2024 & Older (108 Month)** other | — % | 7.050% | — | Standard | | **2024 & Older (120 Month)** other | — % | 7.550% | — | Standard | | **2024 & Older (180 Month)** other | — % | 8.550% | — | Standard | First Source Credit Union other rates as of November 12, 2026 As of November 12, 2026, First Source Credit Union offers a 30-year fixed mortgage at 7.154% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/first-source) , verified from [First Source Credit Union's official website](https://www.fsource.org/) Best product position **Better than the New York median** 30-year fixed mortgage Gap to state best **62 bp** 62 bp from state best Vs. state median **7 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.15% | Better than the New York median | 62 bp from state best | 7 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim First Source Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=first-source&state=new-york&code=NY&name=First%20Source%20Credit%20Union) Loading branch locator… ## About First Source Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 64.2K Assets $1.1B Founded 1938 Locations reported 6 NCUA charter 2658 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Utica District Telephone Employees** CREDIT UNION LOT · UTICA · NY · 13502 About 1.0 miles away](https://rateapi.dev/credit-unions/new-york/utica-district-telephone-employees) [**G.p.o.** GPO Federal Credit Union · Utica · NY · 13501 About 1.0 miles away](https://rateapi.dev/credit-unions/new-york/gpo) [**Utica Gas & Electric Emp** Ramada · New Hartford · NY · 13413 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/utica-gas-electric-emp) [**Empower** Utica · Utica · NY · 13502-5627 About 1.9 miles away](https://rateapi.dev/credit-unions/new-york/empower) [**Special Metals** Main Office · New Hartford · NY · 13413-5316 About 3.3 miles away](https://rateapi.dev/credit-unions/new-york/special-metals) [**Americu** Commercial Drive · Yorkville · NY · 13495-1102 About 3.4 miles away](https://rateapi.dev/credit-unions/new-york/americu) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join First Source Credit Union Membership eligibility from First Source Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Source Credit Union's website. Check the membership page below to confirm whether you qualify. - Association Select Employee Groups (SEG) and Associations, American Consumer Council Verified from [First Source Credit Union's membership page](https://www.fsource.org/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for First Source Credit Union Associations 2 · Family 3 published paths to membership, last verified August 21, 2026, quoted from First Source Credit Union’s own published criteria. ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Select Employee Groups (SEG) and Associations “Select Employee Groups (SEG) and Associations: This is based on an entity where you are either a member, employee, retiree, volunteer or student.” > [source ↗](https://www.fsource.org/become-a-member) - Member of Select Employee Groups (SEG) and Associations - Member of American Consumer Council “If you do not qulifty through any of the methods above, you have the option to become a member of the American Consumer Council (ACC), a national association supporting financial literacy. Members of the ACC qualify for First Source membership.” > [source ↗](https://www.fsource.org/become-a-member) - Member of American Consumer Council ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family, household member “You can also qualify through immediate family members and household relationships.” > [source ↗](https://www.fsource.org/become-a-member) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for First Source Credit Union? Yes No ## Work at First Source Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Source Credit Union ranks against New York peers. - See which AI assistants fetched First Source Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-source&state=new-york&code=NY&name=First%20Source%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First Source Credit Union offer? First Source Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are First Source Credit Union rates updated? RateAPI verifies First Source Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get First Source Credit Union's rate data? Rate data is collected directly from First Source Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is First Source Credit Union's mortgage rate? As of November 12, 2026, First Source Credit Union offers a 30-year fixed mortgage at 7.154% APR. ### Who can join First Source Credit Union? First Source Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 associations for First Source Credit Union, each quoted from First Source Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare First Source Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.fsource.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First Source Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First Source Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /first-source " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Source Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/first-source Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp