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First Source to Host Community Heroes Night at the Utica Blue Sox

June 22, 2022

First Source is proud to host a Community Heroes Night at the Utica Blue Sox on Tuesday, June 28th. All those who work professionally or as volunteers, and their families, in the areas of: fire & rescue, the armed forces, education, medical services, and law enforcement will have free admission to the game courtesy of First Source. Please bring a form of ID to show your affiliation with one of the qualifying categories. 

“First Source is proud to support our community heroes who give so much of themselves for others every day,” said Pamela Way, First Source Community Relations Supervisor. “This is a nice way for those who serve to feel recognized and enjoy a fun night out with their family.” 

As part of the festivities, the Utica Fire Department will have trucks on site for kids to meet the Firefighters and view the trucks, Senior Chief Michael J. Grogan U. S. Navy (Retired) will throw out the first pitch, and Amanda Aiello, a local RN will sing the National Anthem. You can look for fun contests/games during inning breaks. 

For questions please contact Pamela Way, First Source Community Relations Supervisor at 315-735-8571


Serving Those Who Serve Our Community

If you are in a professional or support role in the fields of Education, Law Enforcement, Healthcare, U.S. Military (active-duty or veteran), or Fire & Rescue (full-time or volunteer), and looking to purchase a home, our Community Heroes Mortgage Program could be the solution for you

Learn More

Posted in: Utica Blue Sox

Annual Mother’s Day Plant Sale

April 25, 2022

Purple and yellow flowers

Celebrate Mom with Flowers!

We are excited to be back in action with our annual, in-person Mother’s Day Plant Sale. All proceeds will benefit Anita’s Steven Swan Humane Society. And this year, all donations will be matched! Flowers will once again be provided by The Flower Barn. Choose from potted plants or hanging baskets in an array of colors, types and sizes. You can also drop off needed items for the animal shelter during the sale. Please see the humane society’s wish list here:


Mother's Day Plant Sale

  • May 5th – 7th

  • During normal business hours

  • First Source New Hartford Branch

  • 4451 Commercial Drive

  • Prices are as follows:

    • Hanging Baskets - $22.00

    • 6 Packs - $3.30

    • Tomato Plants - $12.99

    • Combination Planters: Large - $32.00 or Medium - $28.00


It’s the perfect time to get beautiful flowering plants for mom, and help local animals in need.

Young Entrepreneurs Academy Investor Panel

March 14, 2022

We are proud to continue our support of the Young Entrepreneurs Academy (YEA). As an organization with our roots in education, it is important to us that we support local, young, creative minds however we can. Not only do we provide funding for the program, we have also had employees on the Investor Panel for the last 10 years, providing real world business experience and financial expertise with budding entrepreneurs.

The students in the program, who are in grades 6-12, work for several months building a business from the ground up including creating a business plan, branding their product or service, and working with professional mentors to create a full and cohesive business model. They then present to the investor panel in a Shark Tank-style event where the students can win real startup money for their business! One student is chosen to represent Utica and compete against young entrepreneurs from around the country at the National Saunders Scholars Competition for a chance to win scholarships and other prizes.

JD Arrante, Business Services Manager; and Sue Pope, New Hartford Branch Manager will be representing  First Source on the Investor Panel again this year. The students are very excited to be able to present their concepts in person. The past 2 years have been virtual. As well, this event is open to the public. If you are interested in observing this year’s presentations, the panel will be held at the thINCubator, 326 Broad St, Utica on March 30th from 5:00-7:30pm.

YEA is a program that helps local middle and high school students develop a business and become entrepreneurs. Not only does YEA give students the tools to start a successful business, it also fosters confidence and creativity, among other useful real world problem solving skills. To learn more about the YEA program, visit their page on the MVCC website here. Applications for the 2022/2023 cohort will be available this summer.

5 Reasons for a Holiday Loan

November 1, 2021

Children open a present as their parents watch, enjoying a holiday assisted by Holiday Loan financing
A Smarter Way To Cover Holiday Expenses

Why Consider a Holiday Loan?

As we approach the holiday season—from Christmas to Hanukkah, Kwanzaa, Festivus, and more—we take advantage of the many sales and discounts offered by retailers. We also tend to have more family feasts and gatherings, or plan holiday travel. Our best intentions can temporarily exceed our bank balance, and paying off credit card debt all at once or at credit card interest rates can become costly come January. A smarter approach: financing these expenses with a lower-interest loan that can be paid back over a longer period. That’s where a First Source Holiday Loan comes in.

Funds from a Holiday Loan can be used to pay for qualifying expenses that could include travel, gifts, food and groceries, or entertaining. We encourage all our Members to save over the course of the year for these year-end expenses, but our actions don’t always live up to our best-laid plans. Having a financial buffer can relieve some of that stress. Do you think you need a Holiday Loan? Here are 5 possible reasons to apply.


1. You Can Plan Ahead

If your funds for holiday shopping and expenses traditionally run low before the holidays are over, you may be miscalculating for your seasonal budget. A Holiday Loan can help you to plan a holiday budget and follow it as closely as possible. While unexpected expenses always come up (and those unexpected sales often catch us by surprise), armed with a budget, we’re much more likely to stay on track.


2. Your Budget Will Thank You

The Holiday Loan is currently at 2.99% APR, coming in at a rate significantly lower than most credit cards, and the terms allow payment in known monthly amounts. Resorting to credit cards with high interest rates to cover gift purchases and unexpected expenses can wreak havoc with a household budget. A Holiday Loan makes payments predictable and manageable.


3. You’ll Know What You Can Spend

While the funds from a Holiday Loan are there to help you get through a busy financial period, we help you make sure you can handle the payments before finalizing your loan. If your monthly budget can’t handle the additional amount, you may have to adjust your gift list, shopping plans, social calendar, or travel details. We can help you work out the details so you can pay off your loan in a year (or less), and be ready for next year!


4. You’ll Gain Resolve

Speaking of those unexpected sales and promotions, a Holiday Loan forces you to evaluate your financial standing, strengthen your resolve before the shopping season starts, and limit your purchases to only what you need. If you don’t have the funds, it’s easier to say no to added debt or expense.


5. You’ll Have Less Stress!

If you apply and receive approval, we’ll put a payment plan in place. Once your funds are secured, you can follow your plan, and not stress so much. You can cover your holiday expenses, and not have to worry about that enormous January bill.


This seasonal loan is available now through December 20th, 2021, and requires application and approval time, so apply today. Then enjoy your holidays with peace of mind!

Posted in: Holiday Loan

Child Tax Credit Calculator

July 15, 2021

Smiling Family With Parents Giving Children Piggyback Rides

What Is The Child Tax Credit?

A child tax credit is a tax incentive for families with dependent children under the age of 18 and is linked to a taxpayer's income level as well as the number of children in the household.


How It Works

The Child Tax Credit Calculator will help you estimate the amount of your 2021 Child Tax Credit refund. To use the calculator, answer the following questions with the information you provided in your most recent tax filing.

The Child Tax Credit Calculator above requires one of the following web browsers:
Google Chrome (>= 42), Firefox (>= 39), Microsoft Edge (>= 14), Safari (>= 10.1)


Starting July 15th, 2021, millions of families across the country will be receiving the first payment of the newly expanded child tax credit. Under this enhanced stimulus package, the IRS will pay all eligible parents half the credit in advance monthly payments. The other half will be included in 2021 tax returns. The IRS will use 2020 (or 2019, if applicable) tax information to determine eligibility and will automatically enroll individuals for advance payments. For more information, visit irs.gov.


Live Smarter

If your financial situation has recently changed or if you’re simply looking for help managing your spending, we’re happy to help. Make an appointment with one of our friendly and knowledgeable representatives today.

 

Article adapted from Banzai Financial Education Program. Not intended to be tax or financial advice. Please see your tax professional for further information.

Posted in: Child Tax Credit

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