Visions Federal Credit Union is offering some competitive share certificate rates: 2.74% APY for 3 months, 2.94% APY for 6 to 11 months and 3.25% APY for 12 to 29 months. These are the relationship rates. Refer to the bottom of the rate table for details about eligible relationships. A VisionsPlus Checking with Visa Check Card and a Gold credit card can qualify you. Without this relationship, the rates are still competitive: 2.33% APY for 3 months, 2.63% APY for 6 to 11 months and 2.94% APY for 12 to 29 months. These rates are also available for IRA certificates. There's also a 15-month IRA CD with a 3.25% APY without the relationship requirement. These rates are listed at the credit union's rate table as of 3/27/09. Above the table there's a date range of 3/25/09 to 3/31/09.
Membership is open to 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. Please refer to the credit union's membership page for more details.
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.
Visions FCU has strong ratings for safety and soundness: 5 stars (superior) at BauerFinancial (based on 12/31/08 data) and 4 stars (sound) at Bankrate.com (based on 9/30/08 data). The credit union is federally insured by the NCUA (Charter # 17429). It's a large credit union with $2.16 billion in assets and 119,467 members.
Other High Certificate of Deposit Rates
For top CD rates nationally available, refer to my weekly rate summary. Many of the best CD deals are only locally available. To find the best deals in your state, refer to the index of state CD and bank deals.