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Adapting to the Coronavirus Pandemic

Our Commitment to Health and Safety

We are dedicated to the health and safety of our Members, employees, and the communities we serve. Coronavirus/COVID-19 developments have required us to make changes for your well-being, while we continue to provide you with the financial services you need.

If you are currently a First Source Member and you or your small business is experiencing financial distress as a result of the COVID-19 pandemic, we’re here to help. Please call us at 315-735-8571 and a representative from our Member Service team will be happy to walk you through some options and recommend a solution that works best for you.


What We’re Doing

  • UPDATE: Mask Requirement​ - Effective September 13, 2021

    Beginning Monday, September 13th, masks will be required when entering any First Source location regardless of vaccination status. If you do not have a mask, one will be provided for you. The health and safety of our staff, Members and the community is our top priority. Per the continued spikes in COVID-19 in Oneida and Herkimer Counties, and concern for the Delta variant, First Source will be taking CDC and Local Health Department recommended precautions. Thank you, as we all help to slow the spread of the COVID virus.

  • UPDATE: Mask Recommendation​ - Effective August 16, 2021

    The health and safety of our staff, Members and the community is our top priority. Per the recent spikes in COVID-19 in Oneida and Herkimer Counties, and concern for the Delta variant, First Source will be taking CDC and Local Health Department recommended precautions. Beginning Monday, August 16th, our employees will be required to wear masks while inside First Source locations. It is highly recommended for those entering the branch, to wear masks for in-branch services as well, regardless of vaccination status.

  • Branch Lobbies Reopening - February 16, 2021

    Beginning Tuesday, February 16th, all branch lobbies will reopen to walk-in, teller transaction traffic. Financial Service Representatives will still meet with Members by appointment only. Our in-branch COVID-19 guidelines remain the same. Face masks and social distancing are required. We look forward to seeing you.

    Lobby and Drive Thru Hours

    • Monday–Friday – 9:00am–5:00pm

    • Saturday – 8:00am–12:00pm

  • Previous Updates During 2020

  • In-Branch Safety Guidelines

    For the safety of our Members and employees we have implemented, and will be enforcing, the following health and safety measures:

    • All Members and employees are required to wear face masks.

    • Financial Service Representatives will meet with Members by appointment only.

    • Please arrive promptly for any scheduled appointment, as waiting areas are closed. Members that arrive early may be asked to wait outside or in their vehicle, until a representative is available.

    • As a security precaution, all Members will be required to present a valid photo ID at the door.

    • Before entering any branch, Members will be asked to temporarily lift their mask and face a  camera to confirm proper identification.

    • Members experiencing any COVID-19 symptoms, or who have recently tested positive for the virus, will not be allowed to enter any branch.

    • Employees are following a precise PPE program for effective protection. 

    • Branch capacity will be limited by location in order to encourage proper social distancing.

    • Clear signage has been placed throughout all branch lobbies educating Members on the safety guidelines and directing foot traffic flow for social distancing. 

    • Hand sanitizer is located throughout the branches.

    • Any shared equipment or surfaces will be properly sanitized after each use.

    • Teller stations will be limited in order to comply with social distancing guidelines.

    • Plexiglass barriers have been installed at teller lines, greeter stations and in the offices of our Financial Service Representatives. 

    • Lobbies will be thoroughly sanitized every evening using proven effective cleaning solutions.

    • Security is a top priority, and if deemed necessary, additional measures will be taken.

  • Call Center Hours

    Our Member Care Call Center will also be resuming regular hours. Please call 315-735-8571 if you have any questions.

    • Monday–Friday – 8:00am–5:00pm

    • Saturday – 8:00am–12:00pm

  • Sallie Mae Student Loan Assistance – Upon request, Sallie Mae will suspend student loan payments for up to three months, without an impact on the borrower’s current credit standing. Any interest that accrues during this period will not be capitalized. If you have been directly impacted by the coronavirus, contact them directly to discuss your assistance options.

  • Emergency Relief Loan – Special loan program specifically designed to provide assistance to current Members who are experiencing financial distress directly related to the COVID-19 pandemic.

  • First Source Loan Payment Relief – Payment deferral options for qualified loans, including real estate loans

  • Skip Payments – $25 fee waiver has been extended until July 1st, 2020.

  • Credit Cards – Minimum payments due has been extended until July 1st, 2020.

  • Transaction Fees – ATM, overdraft, and late payment fees has been extended until July 1st, 2020.

  • Transferring Loan Payments – We can now accept loan payments from a different financial institutions over the phone. Please call 315-735-8571 and a representative from our Member Care team will assist you with the transaction. All fees related to these transactions will be temporarily and automatically waived. You can also set up external fund transfers using online banking.

  • Financial Assistance – If you are struggling to pay your bills, we are here to help ease the burden and alleviate some of your concerns. Call 315-735-8571 to talk to a representative today. We'll walk you through your options and recommend a solution that works best for your specific situation.

  • Monitoring the Crisis

    We are regularly reviewing updated information from the CDC as well as federal, state and local agencies to ensure the health of our team and Members, as well as continuation of our crucial services. We are in constant touch with our employees and Members to maintain best practices recommended by government agencies.

  • Encouraging Online & Mobile Banking

    Our Online and Mobile banking is available to our Members anytime, anywhere from your computer, tablet, or mobile device. This service is available 24/7 and requires no interaction with our team or other Members. Learn more about our online account services.

  • Providing Activities for Children

    If you’re home with a child, this isolation may be challenging, so we’ve assembled some wonderful online content for you to choose from and share with your children. See our recent blog on Digitally Educating Our Children.

  • Staying Vigilant

    As the World Health Organization (WHO) continues to monitor and provide updates regarding the Coronavirus/COVID-19, we are taking all necessary precautions for the safety of our employees and Members. Each year our team proactively goes through pandemic training and is well prepared for situations such as this.

    Our employees are reminded to follow best practices set forth by the WHO: demonstrate proper hygiene both in an out of the workplace, avoid mass gatherings and unnecessary travel, and stay home or seek care if they present flu-like symptoms. Members are encouraged to do the same.

What You Can Do

  • Sign Up for Online Banking

    By paying bills and managing your accounts remotely, you help promote social distancing and lessen the workload for essential workers, other Members, and our community neighbors.

  • Download the First Source Mobile App

    Manage your accounts, deposit checks, and pay bills remotely using the FSFCU Mobile App, available in the Apple App Store and Google Play Store.

    Download on the App Store Get it on Google Play

  • Help “Flatten the Curve”

    Limit the speed and extent of the virus spread by doing your part in maintaining social distancing, frequent hand-washing, and recommended quarantine health practices.

  • Economic Impact Payment​

    If you are a filer, get your stimulus check quickly and easily with the direct deposit payment option being introduced by the IRS.

    Complete the Application

  • Be Patient for Financial Service Delays

    Please be aware that during these unprecedented circumstances, there may also be delays for services such as Mortgages. While we continue to work on the loan and paperwork requirements, social distancing or quarantines of individuals such as appraisers, title clerks, attorneys, and others may contribute to additional postponements.

    If you are experiencing financial distress directly related to the COVID-19 pandemic and have an existing mortgage that you need assistance with, please consider these additional resources dependent on your specific mortgage:

    Homeowners Advantage
    Phone: 877-266-7722, ext. 3123

    Truhomes Mortgage
    Phone: 844-439-7764

    Home Equity Options
    Call us directly with your Home Equity needs.
    Phone: 315-735-8571

    Still have questions or concerns? Don't struggle alone. We're here to help put your mind at ease. Contact our Member Care Center at 315-735-8571 and we can discuss options and find a solution that is tailor-made for your needs.

  • Protecting Your Finances

    These days we find ourselves more dependent on the Internet than ever before. Relying on it to keep us connected to friends, family, and our finances. Unfortunately scammers are exploiting this resource and using the uncertainty surrounding the COVID-19 pandemic to further their criminal efforts.

We will continue to update Members as we are notified of any national, state or county mandates regarding this pandemic, so please check back often.

If you have any questions or concerns, please call us at 315-735-8571 or email

For news and updates on Coronavirus, visit the Centers for Disease Control and Prevention website.

For tips on the use of remote services to manage your accounts from home, visit our tips for money management page to familiarize yourself with these options.

More Information: Financial Best Practices

We have had many questions about financial relief, support and best practices during this pandemic. Beyond First Source, here’s an additional resource from online resource Nerd Wallet. They have created a general financial COVID-19 area we wanted to share with you. It’s updated daily with helpful information on taxes, mortgages, government relief, small business needs, and more, specifically related to the pandemic.

Learn More