Visions Federal Credit Union


Overview / Commentary
800-242-2120
24 McKinley Avenue
Endicott, 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.
See current membership details

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Reviews (4)

Overall Very Good Experience

I've had a very good experience with Visions.

Their customer service has always been very good when I have visited in person and on the phone.

I've had a few minor issues doing non-routine transactions, but their people have always been pleasant and seemed to be trying their best.

I've been able to get their equivalent of 'cashiers checks', notary public services, and a 'Medallion Signature Guarantee' (for a security I transferred) without issue while visiting in-person.

RUN RUN RUN

Posted by: |

DO NOT OPEN AN ACCOUNT HERE THEY HAVE A CHICK THERE NAMED MACKENZIE WHO IS A MANAGER AND THINKS SHES GOD. SHE DOESN'T TELL YOU & PROCEEDS TO LOCK YOUR ACCOUNT AND LEAVES FOR THE WEEKEND WITH NO REASON, SO YOU CAN'T TALK TO ANYONE OR GET ACCESS UNTIL MONDAY! FIRE HER TODAY!

HIDDEN INACTIVITY FEE CHARGED QUARTERLY

Posted by: |

Worst experience ever. I opened up savings account to look at getting mortgage. The mortgage process was poor and rates not best, so went to another lender. I left savings thinking leave for rainy day. Within 6 months, they are charging $15 Inactivity fee QUARTERLY. The paperwork I received never disclosed this fee and they just charged until balance was zero. They claim sent letters in mail but I moved and never received. The 0.00 balance letter was received (apt mgmt co called me notifying me of mail) so not sure if anything was sent prior. They had my email and phone number but never reached out. Complete Theft

Managed By And Operated At Inferior Standards

Posted by: |

Bad Management and Unaccountable Attitude are the two ways I can describe this bank. After days and five contacts, I could not get answer for or available manager, who could explain to me why Vision failed to carry out an electronic transfer of my funds. Vision, from top, is led by management with poor experience and education, upon apparent nepotism. I will not invest a dime in Vision.



Health
B+

Health Grade Components

Overall
NCUA #17429
Year Chartered1966
Employees820
Primary Regulator
Profit Margin
Return on Assets - YTD0.07%
Return on Equity - YTD0.89%
Annual Interest Income$120.4MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$5.42B$5.7B
LoansQ2 2024vs Q2 2023$3.6B$3.72B
DepositsQ2 2024vs Q2 2023$4.49B$4.46B
Equity CapitalQ2 2024vs Q2 2023$406.1MM$372.3MM
Loan Loss AllowanceQ2 2024vs Q2 2023$28.3MM$25.9MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$24.4MM$17.9MM
Real Estate OwnedQ2 2024vs Q2 2023$0$30K
Rates
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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.

Visions Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$250k*-IRA Accumulator
OTHER TIERS: 1.35% $0 - $50k | 1.40% $50k - $250k
0.60%*$50k*-Share Money Manager
OTHER TIERS: 0.40% $0 - $50k

Visions Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$1m*-Business Money Market
OTHER TIERS: 1.25% $0 - $250k | 1.50% $250k - $500k | 2.25% $500k - $1m
2.25%*$1m*-Flex Money Market
OTHER TIERS: 1.15% $0 - $100k | 1.40% $100k - $250k | 1.65% $250k - $500k | 1.90% $500k - $1m

Visions Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$1m*$250kBusiness Checking
OTHER TIERS: 1.25% $0 - $250k | 1.50% $250k - $500k | 2.25% $500k - $1m
0.01%$0-Flex Checking Plus
0.01%$0-Non-Profit Checking

Visions Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500$1m3 to 5 Month CD
4.00%$500$1m3 to 5 Month HSA CD
3.90%$500$1m6 to 11 Month CD
3.90%$500$1m6 to 11 Month HSA CD
3.65%$500$1m12 to 17 Month CD
3.65%$25$1m12 Month Lucky Saver CD
3.65%$500$1m12 to 17 Month HSA CD
3.55%$500$1m18 to 23 Month CD
3.55%$500$1m18 to 23 Month HSA CD
3.50%$500-24 to 29 Month CD
3.50%$500$1m24 to 29 Month HSA CD
3.40%$500-30 to 35 Month CD
3.40%$500$1m30 to 35 Month HSA CD
3.35%$500$1m42 Month Variable CD
3.35%$500$1m36 to 47 Month CD
3.35%$500$1m36 to 47 Month HSA CD
3.35%$500$1m42 Month Variable HSA CD
3.30%$500$1m48 to 59 Month CD
3.30%$500$1m48 to 59 Month HSA CD
3.20%$500$1m60 Month CD
3.20%$500$1m60 Month HSA CD

Visions Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500$1m3 to 5 Month IRA
3.90%$500$1m6 to 11 Month IRA
3.65%$500$1m12 to 17 Month IRA
3.55%$500$1m18 to 23 Month IRA
3.50%$500$1m24 to 29 Month IRA
3.40%$500$1m30 to 35 Month IRA
3.35%$500$1m42 Month Variable IRA
3.35%$500$1m36 to 47 Month IRA
3.30%$500$1m48 to 59 Month IRA
3.20%$500$1m60 Month IRA
Locations

Availability



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