First Source Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 23, 2026, First Source Federal Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 6-month special CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.45% to 4.00% APY.
Tracking began .
First Source Federal Credit Union CD & share certificate rates
Membership required. Personal and youth share certificates; youth eligibility and product-specific opening minimums apply. Business and IRA-only certificates are excluded. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First Source Federal Credit Union's best CD rates by term?
First Source Federal Credit Union's best rate is 4.00% APY on 6 months, verified October 23, 2026.
- 3 mo0.45%
- 6 mo4.00%
- 9 mo3.75%
- 12 mo3.50%
- 18 mo3.25%
- 24 mo2.95%
- 36 mo2.50%
- 48 mo2.50%
How much interest could a First Source Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$198.59 interest · $10,198.59 at maturity on $10,000.00.
4.00% APY · 6 months · Youth Share Certificate · Special · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $5.600.45% APY · Share Certificate · Standard | $11.200.45% APY · Share Certificate · Standard | $28.000.45% APY · Share Certificate · Standard | $56.000.45% APY · Share Certificate · Standard |
| 6 months | $99.294.00% APY · Youth Share Certificate · Special | $198.594.00% APY · Youth Share Certificate · Special | $496.474.00% APY · Youth Share Certificate · Special | $992.934.00% APY · Youth Share Certificate · Special |
| 9 months | $140.113.75% APY · Share Certificate · Standard | $280.213.75% APY · Share Certificate · Standard | $700.533.75% APY · Share Certificate · Standard | $1,401.063.75% APY · Share Certificate · Standard |
| 12 months | $175.003.50% APY · Youth Share Certificate · Special | $350.003.50% APY · Youth Share Certificate · Special | $875.003.50% APY · Youth Share Certificate · Special | $1,750.003.50% APY · Youth Share Certificate · Special |
| 18 months | $245.953.25% APY · Share Certificate · Standard | $491.903.25% APY · Share Certificate · Standard | $1,229.753.25% APY · Share Certificate · Standard | $2,459.503.25% APY · Share Certificate · Standard |
| 24 months | $299.352.95% APY · Youth Share Certificate · Special | $598.702.95% APY · Youth Share Certificate · Special | $1,496.762.95% APY · Youth Share Certificate · Special | $2,993.512.95% APY · Youth Share Certificate · Special |
| 36 months | $384.452.50% APY · Share Certificate · Standard | $768.912.50% APY · Share Certificate · Standard | $1,922.272.50% APY · Share Certificate · Standard | $3,844.532.50% APY · Share Certificate · Standard |
| 48 months | $519.062.50% APY · Share Certificate · Standard | $1,038.132.50% APY · Share Certificate · Standard | $2,595.322.50% APY · Share Certificate · Standard | $5,190.642.50% APY · Share Certificate · Standard |
How First Source Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 47 of 416 tracked institutions with fresh 183-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Source Federal Credit Union (this institution)Youth Share Certificate · Special | 6 months | $500 | Membership required · branches in NY | 4.00% | October 23, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Membership required · branches in 9 states | 5.20% | October 22, 2026 |
| Empower Federal Credit UnionShare Certificate · Standard | 6 months | $500 | Membership required · branches in NY | 5.00% | October 22, 2026 |
| AmeriCU Credit Union6 Month Certificate · Standard | 6 months | $50 | Membership required · branches in NY | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.34% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Source Federal Credit Union on October 23, 2026.
About First Source Federal Credit Union
- Legal name
- First Source Federal Credit Union
- Regulator ID
- NCUA 2658
- Headquarters
- New Hartford, NY
- Available in
- NY
- Total assets
- $1.1 billion
- Also known as
- Website
- www.fsource.org
Source: rates read from https://www.fsource.org/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Source Federal Credit Union?
Among the rates we track, 4.00% APY on a 6-month special CD, as of October 23, 2026.
What is the minimum deposit for a First Source Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $1,000.
How does First Source Federal Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.34% versus the 6-month Treasury yield of 4.34% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Source Federal Credit Union CDs insured?
First Source Federal Credit Union is a federally insured credit union (NCUA 2658). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at First Source Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check First Source Federal Credit Union's rate page every day. The rates above were last verified on October 23, 2026.
More credit union certificate rates
Rates are copied from First Source Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with First Source Federal Credit Union before opening an account. This page is not financial advice.