30 year Fixed
0.0 Points |
2.875% |
3.042% |
*Annual percentage rate
Mortgages in New York State only. Information is based on a loan amount of $160,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. All rates are subject to change without notice.
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Rates are based on a purchase or no cash out refinance, cash out options may affect your rate.
Print RFMC Bicycle Loan Rates
RFMC Bicycle Loan
Loan rates and terms are subject to change without notice. Applications are subject to credit approval. Loan to value up to 100% is determined by credit score.
Monthly payments for a 1 year bicycle loan would be $83.34 per $1,000 borrowed.
Maximum loan is $2,000 and must be used on a bicycle or cycling apparel/products. Loan is only available to Ride For Missing Children participants.
Print 1st Lien Home Equity Loan Rates
1st Lien Home Equity Loan
| Term |
APR |
| 1-5 Years |
as low as 2.24% |
| 6-10 Years |
as low as 2.49% |
| 11-15 Years |
as low as 2.74% |
| 16-20 Years |
as low as 2.99% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
1st Lien Fixed Rate With Closing Costs: Out-of-pocket fees vary depending on loan amount and can be as low as $350.00 for a $50,000 loan or $725.00 for a $100,000 loan. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on the loan amount and can be as low as $592.50 for a $50,000 loan or $592.50 for a $100,000 loan.
Monthly payments for 10 years would be $9.43 per $1,000 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required.
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
Print 2nd Lien Home Equity Loan Rates
2nd Lien Home Equity Loan
| Term |
APR |
| 1-5 Years |
as low as 2.74% |
| 6-10 Years |
as low as 3.49% |
| 11-15 Years |
as low as 3.74% |
| 16-20 Years |
as low as 4.49% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
2nd Lien Fixed Rate With Closing Costs: Out-of-pocket fees vary depending on loan amount and can be as low as $350.00 for a $50,000 loan or $725.00 for a $100,000 loan. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on the loan amount and can be as low as $592.50 for a $50,000 loan or $592.50 for a $100,000 loan.
Monthly payments for 10 years would be $9.89 per $1,000 borrowed. This does not include taxes and insurance. Actual payment amounts will be greater. Homeowners insurance is required.
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.
Print Home Equity Line of Credit Rates
Home Equity Line of Credit
| Rate |
APR |
| Introductory Rate |
as low as 1.49% for six months* |
| Variable Rate |
as low as Prime Rate 3.25% |
*After 6 months, the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin. Prime rate as of 3/15/2020 is 3.25%. Minimum Line of Credit loan is $7,500. Rates can increase or decrease, but not to exceed 15.99% APR.
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%.
If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $942.50 for a $50,000 loan or $1,317.50 for a $100,000 loan.
Consult a tax advisor for deductibility for interest. Homeowners insurance is required.
Print Home Improvement Loan Rates
Home Improvement Loan
| Term |
APR |
| 12 Month |
as low as 6.24% |
| 24 Month |
as low as 6.34% |
| 36 Month |
as low as 6.44% |
| 48 Month |
as low as 6.54% |
| 60 Month |
as low as 6.64% |
| 72 Month |
as low as 6.74% |
| 84 Month |
as low as 6.84% |
| 96 Month |
as low as 6.99% |
| 108 Month |
as low as 7.14% |
| 120 Month |
as low as 7.29% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 1 year home improvement loan would be $86.17 per $1,000 borrowed.
Loan must be used for items/services that are home improvement in nature.
Print Home Energy Loan Rates
Home Energy Loan
| Term |
APR |
| 12 Month Term |
6.00% |
Loan rates and terms are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 1 year home energy loan would be $86.06 per $1,000 borrowed.
Loan must be used for items/services energy-efficient in nature.
Print Health Improvement Loan Rates
Health Improvement Loan
| Term |
APR |
| 12 Month |
as low as 7.24% |
| 24 Month |
as low as 7.34% |
| 36 Month |
as low as 7.44% |
| 48 Month |
as low as 7.54% |
| 60 Month |
as low as 7.64% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year health improvement loan would be $20.11 per $1,000 borrowed.
Loan must be used for items/services that are medical in nature.
Print Healthy Pet Loan Rates
Healthy Pet Loan
| Term |
APR |
| 12 Month |
as low as 7.24% |
| 24 Month |
as low as 7.34% |
| 36 Month |
as low as 7.44% |
| 48 Month |
as low as 7.54% |
| 60 Month |
as low as 7.64% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year healthy pet loan would be $20.11 per $1,000 borrowed.
Loan must be used for items/services that are for pet medical needs in nature.
Print Holiday Loan Rates
Holiday Loan
| Term |
APR |
| 12 Months |
as low as 3.99% |
Holiday Loan is available from November - December. Loan rates and terms are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 1 year holiday loan would be $85.15 per $1,000 borrowed.
Loan must be used for holiday needs in nature.
Print Family Support Loan Rates
Family Support Loan
| Term |
APR |
| 12 Month |
as low as 7.24% |
| 24 Month |
as low as 7.34% |
| 36 Month |
as low as 7.44% |
| 48 Month |
as low as 7.54% |
| 60 Month |
as low as 7.64% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year family support loan would be $20.11 per $1,000 borrowed.
Loan must be used for bereavement needs.
Print Personal Loans Rates
Personal Loans
| Term |
APR |
| 12 Month |
as low as 7.54% |
| 24 Month |
as low as 7.64% |
| 36 Month |
as low as 7.74% |
| 48 Month |
as low as 7.84% |
| 60 Month |
as low as 7.94% |
Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
Monthly payments for a 5 year personal loan would be $20.25 per $1,000 borrowed.
Print Overdraft Lines of Credit Rates
Overdraft Lines of Credit
Loan rates are subject to change without notice. Applications are subject to credit approval.
$25 minimum monthly payment.
Print Credit Cards Rates
Credit Cards
| Term |
APR |
VISA® Platinum
Non-variable |
as low as 8.90% |
VISA® Platinum Rewards Plus
Variable Rates. With CURewards® |
as low as 7.74% (Prime + 4.49%) |
Rates and terms are determined by overall credit history. Share Secured cards are offered to Members at the best Fixed Platinum card rate. Applications are subject to credit approval. Rate is subject to change annually in the September billing cycle. Prime Rate as of 9/3/2020 was 3.25%. Rates can increase or decrease, but not to exceed 17.99% APR.
In accordance with the Credit Card Act of 2009, borrowers applying for a credit card under the age of 21 must either show proof of "ability to pay" or have a qualified guarantor over 21 years of age.
Full terms and disclosure.
Print Share Accounts Rates
Share Accounts
Regular Share, IRA Share/SEP
| Minimum Balance to Earn Dividends |
Dividend Rate |
APY* |
$0.01-$999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$1,000.00-$4,999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$5,000.00-$9,999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$10,000.00 and Over
Minimum balance to earn dividends |
0.20% |
0.20% |
Special Purpose Account
| Minimum Balance to Earn Dividends |
Dividend Rate |
APY* |
$0.01-$999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$1,000.00-$4,999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$5,000.00-$9,999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$10,000.00 and Over
Minimum balance to earn dividends |
0.20% |
0.20% |
$5 minimum deposit required at account opening for regular share account only. This is a variable rate account. Rates above are subject to change without notice.
*APY – Annual percentage yield. Fees can reduce earnings on the account.
Print Only One Checking Rates
Only One Checking
| Minimum Balance to Earn Dividends |
Dividend Rate |
APY* |
$2,500-$4,999.99
Minimum balance to earn dividends |
0.05% |
0.05% |
$5,000.00-$7,499.99
Minimum balance to earn dividends |
0.05% |
0.05% |
$7,500.00-$9,999.99
Minimum balance to earn dividends |
0.05% |
0.05% |
$10,000 and Over
Minimum balance to earn dividends |
0.05% |
0.05% |
Fees can reduce the earnings on the account. This is a variable rate account. Rates above are subject to change without notice.
*APY – Annual percentage yield
Print Money Market Rates
Money Market
| Minimum Balance to Earn Dividends |
Dividend Rate |
APY* |
$0.01 - $4,999.99
Minimum balance to earn dividends |
0.25% |
0.25% |
$5,000.00 - $9,999.99
Minimum balance to earn dividends |
0.25% |
0.25% |
$10,000.00 - $24,999.99
Minimum balance to earn dividends |
0.30% |
0.30% |
$25,000.00 - $49,999.99
Minimum balance to earn dividends |
0.35% |
0.35% |
$50,000.00 - $99,999.99
Minimum balance to earn dividends |
0.40% |
0.40% |
$100,000.00 and Over
Minimum balance to earn dividends |
0.45% |
0.45% |
This is a variable rate account. Rates above are subject to change without notice.
*APY – Annual percentage yield
$0.01 minimum balance to earn dividends.
Print Term Share Certificates Rates
Term Share Certificates
IRA Certificate
| Term |
Dividend Rate |
APY* |
12 Months
$1,000.00 minimum to earn dividends |
0.70% |
0.70% |
24 Months
$1,000.00 minimum to earn dividends |
0.75% |
0.75% |
36 Months
$1,000.00 minimum to earn dividends |
0.80% |
0.80% |
48 Months
$1,000.00 minimum to earn dividends |
0.85% |
0.85% |
Investeroo Share Certificate
| Term |
Dividend Rate |
APY* |
6 Months
$500.00 minimum balance to earn dividends |
0.35% |
0.35% |
12 Months
$500.00 minimum balance to earn dividends |
0.70% |
0.70% |
24 Months
$500.00 minimum balance to earn dividends |
0.75% |
0.75% |
My Terms Share Certificate
| Term |
Dividend Rate |
APY* |
6 Months
$500.00 minimum balance to earn dividends |
0.35% |
0.35% |
12 Months
$500.00 minimum balance to earn dividends |
0.70% |
0.70% |
24 Months
$500.00 minimum balance to earn dividends |
0.75% |
0.75% |
Share Certificate
| Term |
Dividend Rate |
APY* |
3 Months
$1,000.00 minimum to earn dividends |
0.20% |
0.20% |
6 Months
$1,000.00 minimum to earn dividends |
0.35% |
0.35% |
12 Months
$1,000.00 minimum to earn dividends |
0.70% |
0.70% |
24 Months
$1,000.00 minimum to earn dividends |
0.75% |
0.75% |
36 Months
$1,000.00 minimum to earn dividends |
0.80% |
0.80% |
48 Months
$1,000.00 minimum to earn dividends |
0.85% |
0.85% |
Share rates and yields are subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings.
*APY – Annual percentage yield
Print Business Share Accounts Rates
Business Share Accounts
Regular Share Accounts
| Minimum Balance to Earn Dividends |
Dividend Rate |
APY* |
$0.01 - $999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$1,000.00 - $4,999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$5,000.00-$9,999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$10,000.00 and Over
Minimum balance to earn dividends |
0.20% |
0.20% |
Special Purpose Accounts
| Minimum Balance to Earn Dividends |
Dividend Rate |
APY* |
$0.01-$999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$1,000.00-$4,999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$5,000.00-$9,999.99
Minimum balance to earn dividends |
0.20% |
0.20% |
$10,000.00 and Over
Minimum balance to earn dividends |
0.20% |
0.20% |
$5 minimum deposit required at account opening for regular share account only. This is a variable rate account. Rates above are subject to change without notice.
*APY – Annual percentage yield. Fees can reduce earnings on the account.
Print Business Only One Checking Rates
Business Only One Checking
| Minimum Balance to Earn Dividends |
Dividend Rate |
APY* |
$2,500-$4,999.99
Minimum balance to earn dividends |
0.05% |
0.05% |
$5,000.00-$7,499.99
Minimum balance to earn dividends |
0.05% |
0.05% |
$7,500.00-$9,999.99
Minimum balance to earn dividends |
0.05% |
0.05% |
$10,000 and Over
Minimum balance to earn dividends |
0.05% |
0.05% |
Fees can reduce the earnings on the account. This is a variable rate account. Rates above are subject to change without notice.
*APY – Annual percentage yield
Print Business Money Market Rates
Business Money Market
| Minimum Balance to Earn Dividends |
Dividend Rate |
APY* |
$0.01- $5,000.00
Minimum balance to earn dividends |
0.25% |
0.25% |
$5,000.00 - $9,999.99
Minimum balance to earn dividends |
0.25% |
0.25% |
$10,000.00 - $24,999.99
Minimum balance to earn dividends |
0.30% |
0.30% |
$25,000.00 - $49,999.99
Minimum balance to earn dividends |
0.35% |
0.35% |
$50,000.00 - $99,999.99
Minimum balance to earn dividends |
0.40% |
0.40% |
| $100,000.00 and Over |
0.45% |
0.45% |
This is a variable rate account. Rates above are subject to change without notice.
*APY – Annual percentage yield
$0.01 minimum balance to earn dividends.
Print Business Term Share Certificates Rates
Business Term Share Certificates
| Term |
Dividend Rate |
APY* |
3 Month
$1,000.00 minimum balance to earn dividends |
0.20% |
0.20% |
6 Month
$1,000.00 minimum balance to earn dividends |
0.35% |
0.35% |
12 Month
$1,000.00 minimum balance to earn dividends |
0.70% |
0.70% |
24 Month
$1,000.00 minimum balance to earn dividends |
0.75% |
0.75% |
36 Month
$1,000.00 minimum balance to earn dividends |
0.80% |
0.80% |
48 Month
$1,000.00 minimum balance to earn dividends |
0.85% |
0.85% |
Share rates and yields are subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings.
*APY – Annual percentage yield
For a personalized business loan rate quote, please contact a First Source Business Service Representative by calling (315) 735-8571.
| Term |
Rate |
APR* |
30 year Fixed
0.0 Points |
3.125% |
3.292% |
$752.38 |
20 year Fixed
0.0 Points |
2.875% |
2.972% |
$948.62 |
15 year Fixed
0.0 Points |
2.375% |
2.603% |
$1143.81 |
FHA 30 year Fixed
0.0 Points |
3.000% |
4.137% |
$740.98 |
© First Source Credit Union
Federally insured by NCUA.
Membership eligibility is required.