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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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.

Excellent credit union

Posted by: |

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!

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.

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.

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Health
B+

Health Grade Components

Overall
NCUA #17429
Year Chartered1966
Employees735
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD6.82%
Annual Interest Income$116.6MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$5.49B$5.53B
LoansQ3 2022vs Q3 2021$3.53B$3.10B
DepositsQ3 2022vs Q3 2021$4.48B$4.32B
Equity CapitalQ3 2022vs Q3 2021$332.5MM$553.4MM
Loan Loss AllowanceQ3 2022vs Q3 2021$30.5MM$29.5MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$15.6MM$29.2MM
Real Estate OwnedQ3 2022vs Q3 2021$0$939.00K
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.

† 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%--IRA Accumulator
0.85%*$50k*-Share Money Manager
OTHER TIERS: 0.75% Up to $50k

Visions Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%--Business Money Market
2.00%*$250k*-Flex Money Market
OTHER TIERS: 1.01% Up to $10k | 1.10% $10k - $50k | 1.50% $50k - $100k | 1.75% $100k - $250k

Visions Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Flex Checking Plus
0.10%--Non-Profit Checking

Visions Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500$1m24 to 29 Month HSA CD
4.50%$500$1m30 to 35 Month HSA CD
4.50%$500$1m24 to 29 Month CD Special
4.50%$500$1m30 to 35 Month CD Special
3.90%$500$1m42 Month Variable CD
3.90%$500$1m36 to 47 Month CD
3.90%$500$1m36 to 47 Month HSA CD
3.90%$500$1m42 Month Variable HSA CD
3.80%$500$1m48 to 59 Month CD
3.80%$500$1m48 to 59 Month HSA CD
3.70%$500$1m60 Month CD
3.70%$500$1m60 Month HSA CD
3.30%$500$1m18 to 23 Month CD
3.30%$500$1m18 to 23 Month HSA CD
3.00%$500$1m12 to 17 Month CD
3.00%$25$1m12 Month Lucky Saver CD
3.00%$500$1m12 to 17 Month HSA CD
2.25%$500$1m6 to 11 Month CD
2.25%$500$1m6 to 11 Month HSA CD
2.00%$500$1m3 to 5 Month CD
2.00%$500$1m3 to 5 Month HSA CD

Visions Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500$1m30 to 35 Month IRA
4.50%$500$1m24 to 29 Month IRA
3.90%$500$1m42 Month Variable IRA
3.90%$500$1m36 to 47 Month IRA
3.80%$500$1m48 to 59 Month IRA
3.70%$500$1m60 Month IRA
3.30%$500$1m18 to 23 Month IRA
3.00%$500$1m12 to 17 Month IRA
2.25%$500$1m6 to 11 Month IRA
2.00%$500$1m3 to 5 Month IRA
Locations

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