5 star ratingAverage User Rating:
5 star rating based on 1 review.

Visions Federal Credit Union

Visions Federal Credit Union Locations
3301 Country Club Road
Endwell, NY 13760--340
(607)786-2000
www.visionsfcu.org

NCUA

Visions Federal Credit Union is headquartered in Endicott and is the 6th largest credit union in the state of New York. It is also the 40th largest credit union in the nation. It was established in 1966 and as of December of 2012, it had grown to 318 employees and 157,157 members. Visions Federal Credit Union's money market rates are 36% higher than the national average, and it has a 4-star health rating.

Related Posts

Top CD & IRA CD Rates at Visions FCU in Parts of NY, NJ & PA - 1/17/2013

Visions Federal Credit Union recently increased its share and IRA certificate rates. The 5-year and 30-month CD rates had the largest increase, and they are now very competitive. The standard 5-year C ...

Top 5-Year CD & IRA CD Rate at Visions FCU in New York State - Local Only - 10/21/2011

Visions Federal Credit Union is offering a good deal on its 5-year CD and IRA CD. The standard rate is 2.79% APY with a minimum balance of $500. A member can qualify for a relationship rate of 3.05% A ...

Survey of the Best Local CD Rates in Rochester, Seattle, Minneapolis and Other Cities - 5/20/2011

There were quite a few rate changes to my list from last week . We lost some more 3.00%+ 5-year CDs. PEF Federal Credit Union in the Cleveland area reduced its 5-year CD yield from 3.29% to 2.93%, and ...

Hot CD Special at Visions Federal Credit Union at Rochester New York Branch Only - 5/17/2011

Visions Federal Credit Union 's new branch in Rochester New York is offering two hot CD specials: 5.00% APY 5-month CD and 3.50% APY 35-month CD. Minimum deposit is $2,500, and the maximum is $100,000 ...

2010

2009

2007




Report an Issue
See Rates for: Checking | Savings | Money Market | CD | IRA

Visions Federal Credit Union Checking Account Rates

ApyMinMaxProduct
1.16%†$250k-Pacesetter Plus w/ Relationship
0.90%†$250k-Pacesetter Plus
0.60%†$10k-VisionsPlus Checking
0.25%†--Superior Checking

Visions Federal Credit Union Savings Account Rates

ApyMinMaxProduct
0.60%†$10k-HSA ADV. Checking
0.50%†$100-IRA Accumulator
0.50%†--CD Accumulator
0.50%†$100-Roth IRA Accumulator
0.50%†$100-CESA Accumulator

Visions Federal Credit Union Money Market Rates

ApyMinMaxProduct
0.60%†$2,500-Share Money Manager

Visions Federal Credit Union CD Rates

ApyMinMaxProduct
2.28%†$500-5 Year CD - Relationship
2.02%†$500-5 Year CD - Superior
1.41%†$500-3 1/2 Year Variable CD - Superior
1.41%†$500-2 1/2 Year - 41 Month CD - Relationship
1.16%†$500-2 1/2 Year - 41 Month CD - Superior
1.01%†$500-1 Year - 29 Month CD - Relationship
0.85%†$500-6 - 11 Month CD - Relationship
0.80%†$500-91 Day CD - Relationship
0.75%†$500-1 Year - 29 Month CD - Superior
0.60%†$500-6 - 11 Month CD - Superior
0.55%†$500-91 Day CD - Superior

Visions Federal Credit Union IRA Rates

ApyMinMaxProduct
2.28%†$500-5 Year IRA - Relationship
2.28%†$500-5 Year Roth IRA - Relationship
2.28%†$500-5 Year CESA - Relationship
2.02%†$500-5 Year IRA - Superior
2.02%†$500-5 Year Roth IRA - Superior
2.02%†$500-5 Year CESA - Superior
1.51%†$500-32 Month IRA Super Saver - Superior
1.51%†$500-32 Month Roth IRA Super Saver - Superior
1.51%†$500-32 Month CESA Super Saver - Superior
1.41%†$500-3 1/2 Year Variable IRA - Superior
1.41%†$500-2 1/2 Year - 41 Month IRA - Relationship
1.41%†$500-2 1/2 Year - 41 Month Roth IRA - Relationship
1.41%†$500-3 1/2 Year Variable Roth IRA - Superior
1.41%†$500-2 1/2 Year - 41 Month CESA - Relationship
1.41%†$500-3 1/2 Year Variable CESA - Superior
1.16%†$500-2 1/2 Year - 41 Month IRA - Superior
1.16%†$500-2 1/2 Year - 41 Month Roth IRA - Superior
1.16%†$500-2 1/2 Year - 41 Month CESA - Superior
1.01%†$500-1 Year - 29 Month IRA - Relationship
1.01%†$500-1 Year - 29 Month Roth IRA - Relationship
1.01%†$500-1 Year - 29 Month CESA - Relationship
0.90%†$500-15 Month IRA - Superior
0.90%†$500-15 Month Roth IRA - Superior
0.90%†$500-15 Month CESA - Superior
0.85%†$500-6 - 11 Month IRA - Relationship
0.85%†$500-6 - 11 Month Roth IRA - Relationship
0.85%†$500-6 - 11 Month CESA - Relationship
0.80%†$500-91 Day IRA - Relationship
0.80%†$500-91 Day Roth IRA - Relationship
0.80%†$500-91 Day CESA - Relationship
0.75%†$500-1 Year - 29 Month IRA - Superior
0.75%†$500-1 Year - 29 Month Roth IRA - Superior
0.75%†$500-1 Year - 29 Month CESA - Superior
0.60%†$500-6 - 11 Month IRA - Superior
0.60%†$500-6 - 11 Month Roth IRA - Superior
0.60%†$500-6 - 11 Month CESA - Superior
0.55%†$500-91 Day IRA - Superior
0.55%†$500-91 Day Roth IRA - Superior
0.55%†$500-91 Day CESA - Superior

Rates updated: 5/22/2013

Data for Q4 2012


Institution Statistics


VISIONS
NCUA #17429
BankRate ReportView
Year Chartered1966
Employees318
Primary Regulator

Assets and Liabilities

Assets$3.07 billion
Loans$1.67 billion
Deposits$2.68 billion
Equity Capital$366.09 million
Loan Loss Allowance$21.87 million
Unbacked Noncurrent Loans$37.13 million
Real Estate Owned$1.46 million

Historic Data - December 2011

Assets$3.04 billion
Equity Capital$344.56 million
Loan Loss Allowance$18.82 million
Unbacked Noncurrent Loans$37.97 million
Real Estate Owned$1.53 million

Profit Margin - Quarterly

Net Interest Margin3.88%
Return on Assets0.92%
Return on Equity7.72%
Interest Income$93.89 million
Non-Interest Income$20.87 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Visions Federal Credit Union had $38.58 million in non-current loans and owned real-estate with $387.96 million in equity and loan loss allowances on hand to cover it. This gives Visions Federal Credit Union a Texas Ratio of 9.95% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Visions Federal Credit Union held steady from 10.87% as of December 31, 2011 to 9.95% as of December 31, 2012, resulting in a positive change of 8.51%.This indicates that the balance sheet and financial strength for Visions Federal Credit Union has held steady in recent periods.
Deposit Growth3
In the past year, Visions Federal Credit Union has increased its total deposits by $10.64 million, resulting in 0.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Visions Federal Credit Union has shown is average.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Visions Federal Credit Union has $3.07 billion in assets with $387.96 million in equity, resulting in a capitalization level of 12.63%, which is excellent.
Write Review

Customer For 2 1/2 Years At Syracuse Branch
5 stars - Anonymous - Monday, April 5, 2010 - 2:19 PM

Customer for 2 1/2 years at Syracuse branch. Reasonably competitive rates; very professional, friendly and efficient service.

Highly recommended.

2
 
Nationwide Savings Accounts
Featured Accounts