Overview / Commentary
3301 Country Club Rd
Endwell, NY 13760

Visions Federal Credit Union is a community credit union owned completely by its members. It offers the latest in Internet banking technology to flexibly meet its members’ needs. The credit union features a range of personal and business banking products and services.

On its Personal Banking side, Visions FCU offers depository and loan products and services to serve its members. Its makes one checking account available with no monthly fee, with other checking account offers having monthly service fees unless certain conditions are met. Visions FCU has developed savings accounts that give members various opportunities to save money for different purposes. One savings account offers a special rate of interest if conditions are met. Money Market accounts are available as well as Share and IRA Certificates, which vary in term lengths from 91 days to 5 years. The credit union also offers an investment team to guide members in areas like trust and estate planning, general financial planning, and insurance coverage.

Visions Federal Credit Union online banking provides members with various functions as to how they manage their accounts. Bill Pay, mobile banking apps, check orders, and e-notices are a few of the services provided by Visions Internet platform. The credit union’s smartphone app allows members to check account balances, transfer funds, pay bills, and locate ATMs or branch locations.

Visions FCU is headquartered in Endwell, New York, was chartered in 1966 and insured in 1971. Since that time the credit union has grown its membership to hundreds of thousands and its overall assets to billions.

Field of Membership Restrictions

Membership in Visions Federal Credit Union is open to those who live, attend school or work in Broome, Chenango, or Tioga Counties in New York, select areas of Chemung, Schuyler, or Rockland Counties in New York or the cities of Rochester or Syracuse, New York; those who live, attend school or work in Bradford County in Pennsylvania, select areas of South Westmoreland or North Fayette Counties in Pennsylvania, or select areas of the cities of Allentown, Bethlehem, and Easton in Pennsylvania; those who live, attend school or work in Bergen or Passaic Counties in New Jersey, and select areas of Essex, Hudson, or Union Counties in New Jersey. Membership is also open to employees of Susquehanna County in Pennsylvania.
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Reviews (8)

Visions Federal Credit Union is THE BEST

Posted by: fergdad607 | Dec 5, 2016

I have been with Visions for about 4 years. All can say is why didn't I join sooner?! The employees are very friendly and love their jobs(according to what they tell me). When I set up both my checking and savings accounts, it was very easy and haven't had any issues at all what so ever. They really treat loyalty well. If you stick with Visions they reward you with gifts all the time. I've gotten discounted tickets to theme parks, toys for my son, etc. The dividends I get on my savings account aren't that great but I mainly work out of my checking and don't have much for savings anyway. Overall, my experience has been above and beyond what I expected and if I ever were to move, I would stick with them because their mobile app and online banking is very user-friendly and always getting revamped.

Excellent credit union

Posted by: JohnClark | Jul 24, 2014

As a former Visions customer, I have nothing but praise for them. Unfortunately, I moved outside of their service area otherwise I would still be a member. In all my years as a member, they never made a single error concerning my accounts. So far, no other banking institution has ever come close to this level of excellence. I would defintely recommend Visions to anyone who is interested in good customer service and low rates. Thank you!

Customer For 2 1/2 Years At Syracuse Branch

Posted by: Anonymous | Apr 5, 2010

Customer for 2 1/2 years at Syracuse branch. Reasonably competitive rates; very professional, friendly and efficient service.

Highly recommended.

Visions FCU

I've been a member of Visions FCU for a few years. I've generally been satisfied with their service. The website account access is good and easy to navigate. I've set up electronic payments from there and have never had any problems. I have my paycheck electronically deposited. When I go in-person, I usually get a follow up survey email that asks about the quality of my service. I've experienced really long wait times when I've had to call on the phone. Another criticism is that you can't have real "joint" accounts. Each person has to have a membership. There is only one ATM/Debit card issued per account. For a married couple this can be inconvenient.

My Thoughts on Visions Federal Credit Union

Overall, I like Visions Credit Union. I chose this credit union because I didn't want to do any more business with my former bank, Bank of America. I like that the credit union is not-for-profit. It is conveniently located, and has a 24 hour ATM in a sheltered vestibule. We (my wife and I) have our paychecks automatically deposited to our checking account. One of the inconvenient things is that they only give us one ATM card, which is very frequently inconvenient. I'm pretty confident in the security of their web site, and find it pretty convenient. We have most of our bills on auto-pay through their site and it works very well. I would recommend them without reservation.

Pretty good

It is a pretty good credit union. Way better than a typical bank. They deposit money instantly and help if I need help. I have had only one problem with them and it was putting my card on hold. But once I talked to them, my card was lifted and usable again. A very good and fair bank. I have had an account with them for almost a year and have not had anymore problems besides that. I would suggest it to anyone look for an easy way to store their money in an account. I also had other bad experiences with banks, and a credit union is way better than a typical bank. It is definitely worth getting an account with them. You'll find no problems whatsoever.

Still a Really Good Credit Union

I have been a member for well over eight years, and Visions FCU gets some things right, and others wrong. Even a longstanding customer such as myself, with direct deposit for those same eight years, is still not given the courtesy of pay day overdraft check fee waivers. I can be overdrawn as little as one cent on pay day, and if my check has not cleared in time, I will be hit with a $20 fee. This seems a little ludicrous after so many years of credit union loyalty. On the other hand, I have never had a problem with their customer service. They have always been friendly and helpful, and gotten my issues resolved quickly. As for their website, it has recently undergone a revamp, with some improvements, and at least one change that I don't care for. When looking at my statement online, I can no longer see my outstanding holds as individual items. They are now lumped together as one sum, making checkbook balancing a little more challenging. Why the change? It doesn't make any sense to remove that particular feature.

Overall, I am still a loyal customer, despite some of my misgivings. They have convenient locations, and the ability to withdraw even small amounts of money (we're talking pocket change) from their ATMs instead of the common $20 minimum at other ATMs, is a definite bonus.

Good Service, Bad Deposit Rates

Posted by: milty | Oct 28, 2018

I have been a member for decades, and recall when VFCU used to have among the best deposit rates in the country. However, for the last several years, VFCU's rates have just not been competitive. They seem to be more interested in refurbishing their buildings then returning dividends to their depositors. In these days of online banking, if you're looking for the best deposit rates, I would say it definitely pays to shop around since you can easily do better than VFCU.


Health Grade Components

NCUA #17429
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.85%
Annual Interest Income$64.2MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$4.08B$4.06B
LoansQ2 2018vs Q2 2017$2.68B$2.48B
DepositsQ2 2018vs Q2 2017$3.27B$3.24B
Equity CapitalQ2 2018vs Q2 2017$459.6MM$475.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$53.3MM$30.9MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$23.4MM$31.1MM
Real Estate OwnedQ2 2018vs Q2 2017$2.1MM$1.3MM
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Always verify rates and promotions with the bank or credit union. We are not Visions Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Visions Federal Credit Union Savings Account Rates

0.75%--IRA Accumulator
0.50%--Share Money Manager

Visions Federal Credit Union Money Market Rates

1.11%*$250k*-Flex Money Market
OTHER TIERS: 0.50% Up to $10k | 0.75% $10k - $50k | 1.01% $50k - $100k | 1.06% $100k - $250k

Visions Federal Credit Union Checking Account Rates

0.75%*$100k*$250kBusiness Dividends Checking
OTHER TIERS: 0.50% $2.5k - $100k
0.50%*$10k*-Flex Checking Plus
OTHER TIERS: 0.25% Up to $10k
0.25%--Non-Profit Checking

Visions Federal Credit Union CD Rates

2.53%$500-12 Month CD Special
2.28%$500-60 Month CD
2.02%$500-48 to 59 Month CD
1.92%$500-42 Month Variable CD
1.87%$500-36 to 47 Month CD
1.71%$500-30 to 35 Month CD
1.51%$500-24 to 29 Month CD
1.26%$500-18 to 23 Month CD
1.16%$500-12 to 17 Month CD
1.16%$25-12 Month Lucky Saver CD
0.90%$500-6 to 11 Month CD
0.75%$500-3 to 5 Month CD

Visions Federal Credit Union IRA Rates

2.53%$500-12 Month IRA Special
2.28%$500-60 Month IRA
2.02%$500-48 to 59 Month IRA
1.92%$500-42 Month Variable IRA
1.87%$500-36 to 47 Month IRA
1.71%$500-30 to 35 Month IRA
1.51%$500-24 to 29 Month IRA
1.26%$500-18 to 23 Month IRA
1.16%$500-12 to 17 Month IRA
0.90%$500-6 to 11 Month IRA
0.75%$500-3 to 5 Month IRA


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