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Visions Federal Credit Union

Popular Accounts at this Credit Union

1.92%5-year CD60 Month CD - Superior
1.01%3-year CD30-35 Month CD - Superior
0.65%1-year CD12-17 Month CD - Superior

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.
See current membership details

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Reviews (3)

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.

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.


Health Grade Components

NCUA #17429
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD5.23%
Annual Interest Income$51.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$3.58B$3.46B
LoansQ2 2016vs Q2 2015$2.23B$2.13B
DepositsQ2 2016vs Q2 2015$3.08B$2.99B
Equity CapitalQ2 2016vs Q2 2015$467.5MM$433.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$25.8MM$23.4MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$30.3MM$22.2MM
Real Estate OwnedQ2 2016vs Q2 2015$1.7MM$1.2MM
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* 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

0.50%$100-IRA Accumulator
0.50%*$10k*-HSA ADV. Checking
OTHER TIERS: 0.25% $1k - $10k
0.50%$100-Roth IRA Accumulator
0.50%$100-CESA Accumulator
0.25%$100-Share Money Manager

Visions Federal Credit Union Money Market Rates

0.85%*$250k*-Flex Money Market w/ Relationship
OTHER TIERS: 0.75% $50k - $100k | 0.80% $100k - $250k
0.60%*$250k*-Flex Money Market
OTHER TIERS: 0.20% $100 - $2,500 | 0.25% $2,500 - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k | 0.50% $50k - $100k | 0.55% $100k - $250k

Visions Federal Credit Union Checking Account Rates

0.50%*$10k*-Flex Checking Plus
OTHER TIERS: 0.25% Up to $10k

Visions Federal Credit Union CD Rates

2.17%$500-60 Month CD - Relationship
1.92%$500-60 Month CD - Superior
1.77%$500-48-59 Month CD - Relationship
1.51%$500-48-59 Month CD - Superior
1.36%$500-42 Month Variable CD - Superior
1.36%$500-36-47 Month CD - Relationship
1.26%$500-30-35 Month CD - Relationship
1.11%$500-24-29 Month CD - Relationship
1.11%$500-36-47 Month CD - Superior
1.01%$500-30-35 Month CD - Superior
1.01%$500-18-23 Month CD - Relationship
0.90%$500-12-17 Month CD - Relationship
0.90%$25-12 Month Lucky Saver CD - Relationship
0.85%$500-24-29 Month CD - Superior
0.75%$500-18-23 Month CD - Superior
0.65%$500-12-17 Month CD - Superior
0.65%$500-6 - 11 Month CD - Relationship
0.65%$25-12 Month Lucky Saver CD - Superior
0.60%$500-3-5 Month CD - Relationship
0.40%$500-6 - 11 Month CD - Superior
0.35%$500-3-5 Month CD - Superior

Visions Federal Credit Union IRA Rates

2.17%$500-60 Month IRA - Relationship
1.92%$500-60 Month IRA - Superior
1.77%$500-48-59 Month IRA - Relationship
1.51%$500-48-59 Month IRA - Superior
1.36%$500-42 Month Variable IRA - Superior
1.36%$500-36-47 Month IRA - Relationship
1.26%$500-32 Month IRA Super Saver - Superior
1.26%$500-30-35 Month IRA - Relationship
1.11%$500-24-29 Month IRA - Relationship
1.11%$500-36-47 Month IRA - Superior
1.01%$500-30-35 Month IRA - Superior
1.01%$500-18-23 Month IRA - Relationship
0.90%$500-12-17 Month IRA - Relationship
0.85%$500-24-29 Month IRA - Superior
0.85%$500-15 Month IRA - Superior Special
0.75%$500-18-23 Month IRA - Superior
0.65%$500-12-17 Month IRA - Superior
0.65%$500-6 - 11 Month IRA - Relationship
0.60%$500-3-5 Month IRA - Relationship
0.40%$500-6 - 11 Month IRA - Superior
0.35%$500-3-5 Month IRA - Superior

Visions Federal Credit Union has 43 locations. Click to view all Visions Federal Credit Union locations.