Dedicated to Deposits: Deals, Data, and Discussion

Competitive CD & IRA CD Rates at Visions FCU in New York State - Local Only


Visions Federal Credit Union

Visions Federal Credit Union is offering some competitive CD and IRA CD rates. The noteworthy rates for a minimum of $500 include:

  • 2.02% APY 1-year CD
  • 2.53% APY 30-month CD
  • 3.50% APY 60-month CD
  • 2.53% APY 15-month IRA-only CD
  • 3.05% APY 32-month IRA-only CD

These rates are listed at the credit union's rate table as of 3/03/10. Above the table there's a date range of 3/03/10 to 3/09/10.

For the non-IRA CD rates above, you can get an extra 25 basis points with an account relationship. 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.

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 and 4 stars (sound) at Both ratings are based on 9/30/09 financial data. The credit union is federally insured by the NCUA (Charter # 17429). It's a large credit union with $2.2 billion in assets and 120,997 members.

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

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Comment #1 by Anonymous posted on
I'm a Visions member. The non-relationship rates are decent, or at least they are what they are and what they appear to be.  You decide.

But to obtain the relationship rate the requirements are draconian, at least IMHO.  I used to have a relationship with Visions that was a tough slough.  Then they made the requirements even stiffer and I pulled out of the relationship deals.  And I've not gone back.  Currently I have only the minimum at Visions, the minimum required to safeguard my membership.

When it comes to relationships they are VERY demanding;  too demanding for me.