Visions FCU is offering share certificate rates of 5.65% APY for terms of 6 to 41 months. The minimum deposit for terms under 12 months is $2,500 and $500 for longer terms. The 5.65% yield is a relationship rate. See site for details about eligible relationships. A VisionsPlus Checking with Visa Check Card and a Gold credit card can qualify you. Without this relationship, the yield is 5.39% APY. These rates are also available for IRA certificates.
Visions FCU had been offering rates as high as 6.29% APY. I had reported on this in April.
The field of membership includes those who live, work or worship in Broome, Chenango, Tioga, Schuyler or East/Central Chemung Counties in New York and Bradford County in Pennsylvania. There's a $1 membership fee and a $25 minimum deposit into the Share Money Manager Account.
Branches are located in the New York cities of Binghamton, Elmira, Endicott, Endwell, Horseheads, Johnson City, Newark Valley, Owego, Spencer, Syracuse, Vestal and Watkins Glen. In Pennsylvania, the branches are in Sayre and Wysox.
The credit union is federally insured by the NCUA (Charter # 17429). It's a large credit union with $1.8 billion in assets and over 116,335 members.