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Become A Member

Live Smarter.

First Source strives to help you Live Smarter by making good financial decisions. If you live, work, worship, or attend school in Oneida or Herkimer Counties, you qualify to become a Member. What sets us apart from other financial institutions is our approach to doing business. We want to help our Members meet their financial goals and improve their lives. When you’re a First Source Member, we are truly invested in you, taking the time to look at your bigger financial and personal picture before offering solutions for your particular needs.

Why Become A Member?

We’re Different

As a not-for-profit financial cooperative, we are a Member-centric organization. This means our focus is on you as a person. Our bottom line is your financial well-being. We offer superior service, competitive rates, fewer fees, and reinvest in the credit union and the community. When you become a Member, you become an owner of the credit union. We’re governed by a volunteer Board of Directors, elected by our Membership.

Here to Help

We originated as Utica Teachers Federal Credit Union, with roots in education, so our goal is to help you Live Smarter. Through financial education, we strive to help you become a more informed consumer, saver, and borrower, and to better your financial well-being. We want you to become more financially secure, and achieve your life goals, from college or a wedding to vacations and retirement.

We’re Personal

We get to know you. We learn what you hope to do with your finances, and what factors affect your financial well-being. This helps us better assist you, by making decisions based not just on your financial standing, but on your personal situation as well.

Community Support

Our mission is: “To improve the quality of life of our Employees, Members and communities we serve.” We do this by way of more than just monetary donations, but with our time and effort as well. We believe in helping others, and helping empower others to help themselves.

Our employees are often found engaging in fundraising and awareness efforts outside of the credit union, and volunteering their time for causes throughout the year. We are very active with community organizations and needs that have an educational component or impact, staying true to our roots as an educational credit union. When everyone in our community does better, we are all enriched.

What Are The Member Benefits?

We offer the products and services you have come to expect from your financial institution, as well as others we believe benefit our Members. They include:

  • More than 30,000 surcharge-free ATMs nationwide

  • Low fees and competitive rates

  • Superior Member service every day, and fun Member Appreciation Days throughout the year

  • Credit card with reward options

  • Accounts with reward options

  • Online and mobile app convenience

  • Access to BALANCE Financial Fitness and Banzai Financial Literacy programs

  • Convenient branch locations

  • Fun kids’ savings programs with prizes

  • High level of community participation, involvement, and giveback

Who We Are

We pride ourselves on cultivating a one-of-a-kind, and unparalleled, culture within our workplace and our community. At First Source, we purposely go above and beyond the service, care, and social responsibility of other financial institutions. We do this because at the very root of our organization’s beginning and existence, it’s who we are. It’s who we will always be, and we will always be here for you and our community.

Looking to learn more about us? You can also watch our video to See How We Live Smarter.

About Us

​How Can You Get Started?

It’s easy to get started and open an account at First Source. If you live, work, worship, or attend school in Oneida or Herkimer Counties, you qualify to become a Member. We currently serve over 50,000 people in the Mohawk Valley.

Take the first step toward Living Smarter and join today.


If you have questions, give us a call at 315-735-8571 to talk to a representative about becoming a Member or make an appointment with one of our representatives. Simply click on the button below, select the “New Accounts” service from the menu and choose the “Become A Member” option.

Become A Member Today

Click below to start your Membership App now.

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First Source Member Valerie describes how First Source has helped her through every stage of her adult life, both personally and professionally.