Dedicated to Deposits: Deals, Data, and Discussion

5.92% 30-Month / 5.81% 12-Month CD at a New York/Pennsylvania CU (Visions)

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Visions Federal Credit Union
Visions FCU is offering share certificate rates of 5.92% APY for terms of 30 to 41 months and 5.81% APY for terms of 12 to 29 months. The minimum deposit is $500. These are the Relationship rates. 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 yields are 5.65% APY and 5.55% APY for the long and short term CDs. These rates are also available for IRA certificates.

These rates are improvements for the 12-month and longer terms since my June post on this credit union. In June the top relationship rate was 5.65% APY.

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 $1.9 billion in assets and over 117,131 members.

  Tags: New York, Pennsylvania, CD rates, IRA rates, Visions Federal Credit Union

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