5.55% 30-Month CD at a New York/Pennsylvania CU (Visions)
Visions FCU is offering share certificate rates of 5.65% APY for terms of 30 to 41 months and 60 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 yield is 5.13% APY. These rates are also available for IRA certificates.
These rates are down from my last post on this credit union in July. But with the current rate environment, they're still competitive.
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 118,273 members.