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Only One Rewards*

Use your checking account, get rewards. It’s simple!

7 Month Only One Rewards Term Share Certificates

Are you ready to take your savings to the next level? Look no further than First Source's Only One Rewards Term Share Certificates! We are excited to offer our valued Members the opportunity to earn impressive returns on their hard-earned money. With a great Annual Percentage Yield (APY) of 5.25%​ on our 7 month certificate, there has never been a better time to save.

Save Smarter

At First Source, we believe in rewarding our Members for their loyalty. To take advantage of these fantastic rates, you must be enrolled in our Only One Checking Rewards program. Not enrolled? Don't worry; it's easy to sign up. Plus you’ll get all of the benefits of the program.

Program Benefits

The Only One Rewards Programs allows you to use your checking account the way you want and earn rewards as you go. If you use your debit card more than 15 times/month or maintain an average monthly balance of $2,500 or more, you automatically qualify for these rewards! If you do not meet the minimum requirement to qualify and would like the rewards, you can still access them for a low fee of $5/month.

  • Up to $5 out of network ATM fee reimbursement/month1

  • Tiered dividends2 beginning at $2,500

  • IDProtect® - Identity Theft Monitoring and Resolution Services3

  • Cell Phone Protection4

  • Telehealth Services5

Spend Smarter: Earn More From Your Money

ATM Fee Reimbursement

With a network of over 30,000 nationwide surcharge-free ATMs, you have plenty of free options to choose from, however, if you find yourself in a situation where you are charged an out-of-network fee, we will reimburse you up to $5/month.

Earn Dividends

If you maintain a balance of $2,500 or more in your checking account, you'll receive all the benefits listed here, plus earn dividends on your money. If your balance increases from $2,500 to $5,000, $7,500 or $10,000, your dividend rate will increase as well.

IDProtect® Identity Theft Monitoring and Resolution Services

Help better protect yourself and your joint account owners with our IDProtect® identity theft monitoring and resolution service that includes monitoring of over 1,000 public databases, identity theft expense reimbursement, fully managed resolution services, and more.

Cell Phone Protection

Receive up to $600 of replacement or repair costs if your eligible cell phones are stolen or damaged. (Cell phone bills must be paid using any First Source checking, savings or credit card account.)

Telehealth Services

Access to 24/7 video or phone visits with U.S.-based, board-certified, licensed and credentialed doctors, ready to help with urgent care or mental health for you and your family. All with zero copays! (Registration/activation is required.)

Full details on all Only One Rewards program benefits can be found here.

Live Smarter - Enroll Now

If you are a current First Source checking account holder, to enroll in our Only One Rewards program give us a call at 315-735-8571 to receive your personal access code. Then go to OnlyOneRewards.ClubChecking.com or download the Only One Rewards mobile app.

If you don’t yet have a First Source checking account, make an appointment with one of our friendly and knowledgeable representatives today.

Interested In Learning More?

To see what other services are available with your Only One Checking Account, visit our Personal Checking Account overview page.

Let’s Get Started

Make an appointment with one of our friendly Member service representatives today.

Make an Appointment

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*Checking account rewards are available to checking account holders age 18 or older. Deposit accounts are federally insured by NCUA. If you do not meet the minimum requirements, you may still opt in to the Only One Rewards program for $5/month. Business accounts are not eligible. Dividend rates are subject to change without notice. Please see full program details and disclosures here.

1 If you incur foreign ATM fees, up to $5 will be credited to your account at the end of each month. You will need to accept the fee at the machine. Reimbursement will occur at the end of each monthly statement cycle.

2 If you maintain an average monthly balance of $2,500 or higher, you will earn dividends. The dividend rate will increase at these monthly balance levels: $5,000, $7,500 and $10,000. Dividend rates are subject to change without notice.

3 Benefits are available to personal checking account owner(s) and their joint account owner(s) subject to the terms and conditions for the applicable Benefits. Benefits are not available to business checking accounts, however, are available to non-publicly traded businesses and their business owner(s) listed on a personal checking account but are not available to employees or authorized signers who are not owners. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member. (Fiduciary is not covered).

4 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. All Guide to Benefits can be found online at OnlyOneRewards.ClubChecking.com or through the Only One Rewards mobile app. As an eligible account holder, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more information, please visit OnlyOneRewards.ClubChecking.com or call 866-210-0361. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

5 Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

Only One Rewards Term Share Certificates: Must be continually enrolled in Only One Rewards for the duration of the term to qualify. Effective as of 4/24/24.