Visions Federal Credit Union

Overview / Commentary
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

Related Posts

View all posts from:

Visions Federal Credit Union is THE BEST

Posted by: |

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.

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.

Good Service, Bad Deposit Rates

Posted by: |

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.

Very Dissapointed And Deceiving

Very Disappointed, was told I was approved at a certain term and was going to send me the paperwork and a couple hours later was called by another member stating it was a mistake and was not approved at the term I was told. Very bad business would not recommend until the issue is resolved.

location union blvd Bethlehem pa



Health Grade Components

NCUA #17429
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD6.91%
Annual Interest Income$75.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$5.60B$5.41B
LoansQ2 2022vs Q2 2021$3.38B$3.02B
DepositsQ2 2022vs Q2 2021$4.51B$4.33B
Equity CapitalQ2 2022vs Q2 2021$409.1MM$551.5MM
Loan Loss AllowanceQ2 2022vs Q2 2021$29.6MM$52.8MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$13.9MM$60.7MM
Real Estate OwnedQ2 2022vs Q2 2021$0$414.00K

Rates for Visions Federal Credit Union are currently being reviewed.



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.