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 Bankrate.com. 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.