We're Here to Help (315) 735-8571

Become a Member

Live Smarter.

First Source is all about helping you Live Smarter by making good financial decisions. Our Members, Community and Employees are our top priority. What sets us apart from other financial institutions is our approach to doing business. At our core, we want to help Members meet their financial goals and improve their lives. We are truly invested in our Members, taking the time to look at the bigger financial and personal picture before offering solutions for their particular needs.

It’s easy to join First Source. We can serve anyone who lives, works, worships, or attends school in Oneida or Herkimer Counties. We currently serve more than 46,000 Members.

Young woman looking to become a Member of First Source.

Some Member benefits include:

  • More than 30,000 surcharge-free ATMs nationwide through the Co-op and Share Net ATM networks

  • Checking account with reward options

  • Credit card with reward options

  • Access to BALANCE Financial Fitness and Banzai Financial Literacy programs

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

  • Low fees and competitive rates

  • Kids’ savings programs with prizes

  • Online banking and mobile app convenience

  • High level of community involvement

  • Discounted Water Safari tickets


What does it mean to “join” First Source?

As a not-for-profit financial cooperative, we are Member-owned. When you “join” First Source, you become an owner of this credit union. We’re governed by a Board of Directors elected by our Membership. Board Members serve as unpaid volunteers.

If you qualify for membership, when you open your account, you’ll deposit a minimum of $5, which is your “owner share” of the credit union.


Getting Started is Easy

Take the first step towards Living Smarter and begin your application process today. Make an appointment or call 315-735-8571 to talk to a representitive about becoming a Member.

Make an Appointment

It's easy to join First Source.

Get started by making an appointment.

Make an Appointment

Hear what longtime Member Angela Vanderhoof has to say about her experience as a Member of First Source

By submitting your email, you give First Source permission to send you informative and promotional emails, including information on upcoming events, products, and services. You may change your designation at any time in the future. Thank you for letting us help you Live Smarter.

General Info


Contact Us


Connect With Us


NCUA