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24 Mckinley Ave
Endicott, NY 13760

Visions Federal Credit Union is a community credit union owned completely by its members. It offers the latest in Internet banking technology to flexibly meet its members’ needs. The credit union features a range of personal and business banking products and services.

On its Personal Banking side, Visions FCU offers depository and loan products and services to serve its members. Its makes one checking account available with no monthly fee, with other checking account offers having monthly service fees unless certain conditions are met. Visions FCU has developed savings accounts that give members various opportunities to save money for different purposes. One savings account offers a special rate of interest if conditions are met. Money Market accounts are available as well as Share and IRA Certificates, which vary in term lengths from 91 days to 5 years. The credit union also offers an investment team to guide members in areas like trust and estate planning, general financial planning, and insurance coverage.

Visions Federal Credit Union online banking provides members with various functions as to how they manage their accounts. Bill Pay, mobile banking apps, check orders, and e-notices are a few of the services provided by Visions Internet platform. The credit union’s smartphone app allows members to check account balances, transfer funds, pay bills, and locate ATMs or branch locations.

Visions FCU is headquartered in Endwell, New York, was chartered in 1966 and insured in 1971. Since that time the credit union has grown its membership to hundreds of thousands and its overall assets to billions.

Field of Membership Restrictions

Membership is open to: (1) New York Residents - If you live, work, attend school, or regularly conduct business in Broome, Chenango, Tioga, Chemung*, Schuyler*, or Rockland* Counties, or the Cities of Rochester* or Syracuse; (2) Pennsylvannia Residents - If you live, work, attend school, or regularly conduct business in Bradford County; portions of Westmoreland* or North Fayette* Counties; portions of the Cities of Allentown*, Bethlehem*, or Easton*; or if you are an employee or an immediate family member of employers of a Susquehanna County, PA company listed on the eligible groups; and (3) New Jersey Residents - If you live, work, attend school, or regularly conduct business in Bergen or Passaic Counties; or portions of Essex*, Hundson*, or Union* Counties. *some restrictions apply - See Details

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Reviews (1)

Customer For 2 1/2 Years At Syracuse Branch

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

Highly recommended.


Data for Q4 2013

Institution Health


Texas Ratio


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, 2013 Visions Federal Credit Union had $24.33 million in non-current loans and owned real-estate with $409.49 million in equity and loan loss allowances on hand to cover it. This gives Visions Federal Credit Union a Texas Ratio of 5.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Visions Federal Credit Union decreased dramatically from 9.95% as of December 31, 2012 to 5.94% as of December 31, 2013, resulting in a positive change of 40.26%.This indicates that the balance sheet and financial strength for Visions Federal Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Visions Federal Credit Union has increased its total deposits by $132.32 million, resulting in 4.93% 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 excellent.



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 $3.23 billion in assets with $409.49 million in equity, resulting in a capitalization level of 12.69%, which is excellent.

Institution Statistics

NCUA #17429
Year Chartered1966
Primary Regulator
Assets and Liabilities
Assets$3.23 billion
Loans$1.84 billion
Deposits$2.82 billion
Equity Capital$388.12 million
Loan Loss Allowance$21.37 million
Unbacked Noncurrent Loans$22.57 million
Real Estate Owned$1.76 million
Historic Data - December 2012
Assets$3.07 billion
Equity Capital$366.09 million
Loan Loss Allowance$21.87 million
Unbacked Noncurrent Loans$22.57 million
Real Estate Owned$1.46 million
Profit Margin - Quarterly
Net Interest Margin3.23%
Return on Assets0.92%
Return on Equity7.68%
Interest Income$87.63 million

Always verify rates and promotions with the bank or credit union. We are not Visions Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Visions Federal Credit Union Savings Account Rates

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

Visions Federal Credit Union Money Market Rates

0.60%$2,500-Share Money Manager

Visions Federal Credit Union Checking Account Rates

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 CD Rates

2.17%$500-5 Year CD - Relationship
1.92%$500-5 Year CD - Superior
1.77%$500-48 Month CD - Relationship
1.51%$500-48 Month CD - Superior
1.36%$500-3 1/2 Year Variable CD - Superior
1.26%$500-2 1/2 Year - 41 Month CD - Relationship
1.01%$500-2 1/2 Year - 41 Month CD - Superior
0.80%$500-1 Year - 29 Month CD - Relationship
0.65%$500-6 - 11 Month CD - Relationship
0.60%$500-91 Day CD - Relationship
0.55%$500-1 Year - 29 Month CD - Superior
0.40%$500-6 - 11 Month CD - Superior
0.35%$500-91 Day CD - Superior

Visions Federal Credit Union IRA Rates

2.17%$500-5 Year IRA - Relationship (Traditional,Roth,CESA)
1.92%$500-5 Year IRA - Superior (Traditional,Roth,CESA)
1.77%$500-48 Month IRA - Relationship (Traditional,Roth,CESA)
1.51%$500-48 Month IRA - Superior (Traditional,Roth,CESA)
1.36%$500-3 1/2 Year Variable IRA - Superior (Traditional,Roth,CESA)
1.26%$500-32 Month IRA Super Saver - Superior (Traditional,Roth,CESA)
1.26%$500-2 1/2 Year - 41 Month IRA - Relationship (Traditional,Roth,CESA)
1.01%$500-2 1/2 Year - 41 Month IRA - Superior (Traditional,Roth,CESA)
0.85%$500-15 Month IRA - Superior (Traditional,Roth,CESA)
0.80%$500-1 Year - 29 Month IRA - Relationship (Traditional,Roth,CESA)
0.65%$500-6 - 11 Month IRA - Relationship (Traditional,Roth,CESA)
0.60%$500-91 Day IRA - Relationship (Traditional,Roth,CESA)
0.55%$500-1 Year - 29 Month IRA - Superior (Traditional,Roth,CESA)
0.40%$500-6 - 11 Month IRA - Superior (Traditional,Roth,CESA)
0.35%$500-91 Day IRA - Superior (Traditional,Roth,CESA)

Visions Federal Credit Union has 31 locations. Click to view all Visions Federal Credit Union locations.