Rates

All rates effective March 3, 2021.

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Loan Rates

Share Secured Loan

Term	APR
Up to 120 Months	as low as 2.25% (2.00% + Share Dividend Rate)

Loan rates and terms are subject to change without notice. Applications are subject to credit approval. First Source Regular Savings, Special Purpose Savings, Money Market and Term Share Certificate accounts may be used to secure the loan. A balloon payment may be applicable for a Term Share Certificate-secured loan, if the maturity date of the loan exceeds the maturity date of the Term Share Certificate.
Monthly payments for a 1 year Share Secured Loan secured by a Regular Savings share would be $84.35 per $1,000 borrowed at 2.25% as of 03/11/20. APR will vary depending on the share used to secure the loan.

Vehicles & Motorcycles

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Vehicles & Motorcycles

2020-2022
Including Classics

Term	APR
12 Month	as low as 1.69%
24 Month	as low as 1.69%
36 Month	as low as 1.79%
48 Month	as low as 1.89%
60 Month	as low as 1.99%
72 Month	as low as 2.34%
84 Month	as low as 2.84%
96 Month	as low as 3.84%
108 Month	as low as 4.84%

2017-2019

Term	APR
12 Month	as low as 2.29%
24 Month	as low as 2.29%
36 Month	as low as 2.39%
48 Month	as low as 2.49%
60 Month	as low as 2.59%
72 Month	as low as 3.04%
84 Month	as low as 3.54%

2016 & Older
Excluding Classics

Term	APR
12 Month	as low as 4.64%
24 Month	as low as 4.64%
36 Month	as low as 4.99%
48 Month	as low as 5.24%
60 Month	as low as 5.54%
72 Month	as low as 5.94%

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.

Monthly payments for a 5 year new vehicle loan would be $17.53 per $1,000 borrowed.
Monthly payments for a 5 year used vehicle loan would be $17.79 per $1,000 borrowed.
Monthly payments for a 5 year older vehicle loan would be $19.12 per $1,000 borrowed.

Mechanical Breakdown Protection Loan

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Mechanical Breakdown Protection Loan

Term	APR
Up to 96 Months	as low as 4.24%

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan must be used for warranty coverage or other vehicle protection product.

Monthly payments for a 5 year mechanical breakdown protection loan would be $18.53 per $1,000 borrowed.

Recreational Use Vehicles

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Recreational Use Vehicles

Term	APR
12 Month	as low as 4.39%
24 Month	as low as 4.39%
36 Month	as low as 4.49%
48 Month	as low as 4.59%
60 Month	as low as 4.69%
72 Month	as low as 4.79%
84 Month	as low as 4.89%

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.

Monthly payments for a 5 year recreational use vehicle or equipment loan would be $18.73 per $1,000 borrowed.

Equipment Loan

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Equipment Loan

Term	APR
24 Month	as low as 4.89%
36 Month	as low as 4.99%
48 Month	as low as 5.09%
60 Month	as low as 5.19%
72 Month	as low as 5.29%
84 Month	as low as 5.39%
120 Month	as low as 5.49%

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 equipment loan would be $18.96 per $1,000 borrowed.

Boats & Motor Homes

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Boats & Motor Homes

2020-2022

Term	APR
12 Month	as low as 3.95%
24 Month	as low as 3.95%
36 Month	as low as 4.05%
48 Month	as low as 4.15%
60 Month	as low as 4.25%
72 Month	as low as 4.50%
84 Month	as low as 4.75%
96 Month	as low as 5.00%
108 Month	as low as 5.25%
120 Month	as low as 5.75%
180 Month	as low as 6.75%

2019 & Older

Term	APR
12 Month	as low as 4.45%
24 Month	as low as 4.45%
36 Month	as low as 4.55%
48 Month	as low as 4.65%
60 Month	as low as 4.75%
72 Month	as low as 5.00%
84 Month	as low as 5.25%
120 Month	as low as 6.25%

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.

Monthly payments for a 5 year new boat or motor home loan would be $18.53 per $1,000 borrowed.
Monthly payments for a 5 year used boat or motor home loan would be $18.76 per $1,000 borrowed.

RFMC Bicycle Loan

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RFMC Bicycle Loan

Term	APR
12 Month	0%

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.

Mortgage Loans

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Mortgage Loans

*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.

1st Lien Home Equity Loan

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1st Lien Home Equity Loan

Term	Rate	APR*
30 year Fixed 0.0 Points	2.875%	3.042%
20 year Fixed 0.0 Points	2.750%	2.847%
15 year Fixed 0.0 Points	2.500%	2.728%
FHA 30 year Fixed 0.0 Points	2.625%	3.762%

Term	APR
Fixed Rate with Closing Costs
1-5 Years	as low as 2.49%
6-10 Years	as low as 3.49%
11-15 Years	as low as 3.74%
16-20 Years	as low as 3.99%

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 $9.89 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.

2nd Lien Home Equity Loan

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2nd Lien Home Equity Loan

Term	APR
Fixed Rate with Closing Costs
1-5 Years	as low as 3.74%
6-10 Years	as low as 4.49%
11-15 Years	as low as 4.74%
16-20 Years	as low as 5.49%

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 $10.37 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.

Home Equity Line of Credit

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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.

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.

Home Improvement Loan

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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.

Home Energy Loan

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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.

Health Improvement Loan

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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.

Healthy Pet Loan

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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.

Holiday Loan

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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.

Family Support Loan

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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.

Personal Loans

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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.

Overdraft Lines of Credit

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Overdraft Lines of Credit

Term	APR
N/A	15.75%

Loan rates are subject to change without notice. Applications are subject to credit approval.
$25 minimum monthly payment.

Credit Cards

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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.

Regular Share Account Rates

Share Accounts

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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.

Only One Checking

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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

Money Market

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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	0.50%	0.50%

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.

Term Share Certificates

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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

Business Service Rates

Business Share Accounts

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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%

Business Only One Checking

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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

Business Money Market

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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	0.50%	0.50%

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.

Business Term Share Certificates

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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

Business Loan Rates

For a personalized business loan rate quote, please contact a First Source Business Service Representative by calling (315) 735-8571.

Term	Rate	APR*	Estimated Monthly Payment
30 year Fixed 0.0 Points	2.875%	3.042%	$752.38
20 year Fixed 0.0 Points	2.750%	2.847%	$948.62
15 year Fixed 0.0 Points	2.500%	2.728%	$1143.81
FHA 30 year Fixed 0.0 Points	2.625%	3.762%	$740.98

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Rates

Share Secured Loan

Vehicles & Motorcycles

2020-2022Including Classics

2017-2019

2016 & OlderExcluding Classics

Mechanical Breakdown Protection Loan

Recreational Use Vehicles

Equipment Loan

Boats & Motor Homes

2020-2022

2019 & Older

RFMC Bicycle Loan

Mortgage Loans

1st Lien Home Equity Loan

2nd Lien Home Equity Loan

Home Equity Line of Credit

Home Improvement Loan

Home Energy Loan

Health Improvement Loan

Healthy Pet Loan

Holiday Loan

Family Support Loan

Personal Loans

Overdraft Lines of Credit

Credit Cards

Share Accounts

Regular Share, IRA Share/SEP

Special Purpose Account

Only One Checking

Money Market

Term Share Certificates

IRA Certificate

Investeroo Share Certificate

My Terms Share Certificate

Share Certificate

Business Share Accounts

Regular Share Accounts

Special Purpose Accounts

Business Only One Checking

Business Money Market

Business Term Share Certificates

2020-2022
Including Classics

2016 & Older
Excluding Classics