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Top CD & IRA CD Rates at Visions FCU in Parts of NY, NJ & PA

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APYMINMAXINSTITUTIONPRODUCTDETAILS
3.50%$500-Visions Federal Credit Union30 to 35 Month CD
3.50%$500$1mVisions Federal Credit Union60 Month CD
Rates as of April 21, 2025.

Visions Federal Credit Union recently increased its share and IRA certificate rates. The 5-year and 30-month CD rates had the largest increase, and they are now very competitive. The standard 5-year CD yield is 2.02% APY with a minimum balance of $500. A member can qualify for a relationship rate of 2.28% APY by having a checking account with a credit card or loan. The standard 30-month CD yield is 1.41% APY (1.66% APY relationship rate). These rates are listed in the credit union's share certificates page as of 1/17/2013. Note, the credit union requires you to enter your zip code to see the rates. These rates show for zip codes in both New York and New Jersey. The details of the relationship rate requirements are listed below the rate table. Under these details, the credit union describes the early withdrawal penalties. For this CD, it's up to 180 days of interest.

Visions FCU expanded into New Jersey last year due to the merger with Paragon FCU. Membership is now open to those who live, work, attend school, or regularly conduct business in Bergen or Passaic Counties; or portions of Essex, Hudson, or Union Counties.

In addition to the above New Jersey counties, the following New York and Pennsylvania counties/cities are included in the field of membership: Broome, Chenango, Tioga, Chemung, Schuyler, Rockland Counties, and the Cities of Rochester and Syracuse in New York; Bradford County, portions of South Westmoreland, North Fayette Counties; portions of the Cities of Allentown, Bethlehem, or Easton in Pennsylvania.

Please refer to the credit union's membership page for more details. The credit union has an online application for membership.

Credit Union Overview

Visions FCU branches are located in Rochester, Syracuse and several cities in the eastern section of New York State's Southern Tier. There are also three branches in northern Pennsylvania. Paragon FCU's old New Jersey branches which are now under Visions FCU are located in Dumont, Mahwah, Oakland, Englewood Cliffs, Montvale and Westwood.

Visions FCU is a sizable credit union with $3.06 billion in assets. Its overall health score at DepositAccounts.com is 4 stars (out of 5) with a Texas Ratio of 10.01% (above average) based on September 2012 data. Please refer to our financial overview of Visions Federal Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 17429).

How These CD Rates Compare

The best nationally available 5-year CD yield is 2.05% APY at Citizens State Bank. The best 30-month CD yield is 1.40% APY at Salem Five Direct. These rates are accurate as of 1/17/2013.

Searching for Top CD and IRA CD Rates

You can search our tables to find the best rates that are nationally available and the best rates that are available in your state. To learn how to do this please refer to the post Tips on using our rate tables. The links to the rate tables are provided below:

Note, the 1-year term is the default for the CD and IRA rate tables. Use the top menu to select different terms.

Related Pages: CD rates, IRA rates, Visions Federal Credit Union, New York, Binghamton, Philadelphia, Utica, Rochester, Syracuse, Elmira, Wilkes Barre



Top 5-Year CD & IRA CD Rate at Visions FCU in New York State - Local Only
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POSTED ON FRIDAY, OCTOBER 21, 2011 BY KEN TUMIN

Visions Federal Credit Union is offering a good deal on its 5-year CD and IRA CD. The standard rate is 2.79% APY with a minimum balance of $500. A member can qualify for a relationship rate of 3.05% APY by having a checking account with a credit card or loan. These rates are listed in the credit union's share certificates page as of 10/21/2011. The details of the relationship rate requirements are listed below the rate table. Under these details, the credit union describes the early withdrawal penalties. For this...

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Hot CD Special at Visions Federal Credit Union at Rochester New York Branch Only
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POSTED ON TUESDAY, MAY 17, 2011 BY KEN TUMIN

Visions Federal Credit Union's new branch in Rochester New York is offering two hot CD specials: 5.00% APY 5-month CD and 3.50% APY 35-month CD. Minimum deposit is $2,500, and the maximum is $100,000. These are relationship rates that require the member to open a checking account with a debit or credit card. These specials are not listed at Visions website. A reader emailed me news of this (hat tip), and I just called for additional details. According to the CSR, these specials are scheduled to last until June 30,...

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Top CD & IRA CD Rates at Visions FCU in New York State - Local Only
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POSTED ON WEDNESDAY, JUNE 30, 2010 BY KEN TUMIN

Visions Federal Credit Union continues to offer some competitive CD and IRA CD rates. The rates have dropped since my March post, but they remain competitive. The noteworthy CD rates for a minimum of $500 include:

  • 1.51% APY 6-month CD and IRA CD ($2,500 min)
  • 1.77% APY 1-year CD and IRA CD
  • 2.28% APY 30-month CD and IRA CD
  • 2.38% APY 32-month IRA-only CD
  • 3.05% APY 60-month CD and IRA CD

These rates are listed at the credit union's rate table as of 6/30/10. Above the table there's a date range of 6/30/10 to 7/06/10.

For the...

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Competitive CD & IRA CD Rates at Visions FCU in New York State - Local Only
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POSTED ON WEDNESDAY, MARCH 3, 2010 BY KEN TUMIN

Visions Federal Credit Union is offering some competitive CD and IRA CD rates. The noteworthy rates for a minimum of $500 include:

  • 2.02% APY 1-year CD
  • 2.53% APY 30-month CD
  • 3.50% APY 60-month CD
  • 2.53% APY 15-month IRA-only CD
  • 3.05% APY 32-month IRA-only CD

These rates are listed at the credit union's rate table as of 3/03/10. Above the table there's a date range of 3/03/10 to 3/09/10.

For the non-IRA CD rates above, you can get an extra 25 basis points with an account relationship. Refer to the bottom of the rate table for details about...

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3.25% 12-Month CD & Other High CD Rates at Visions FCU in NY & PA
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POSTED ON FRIDAY, MARCH 27, 2009 BY KEN TUMIN
Visions Federal Credit Union is offering some competitive share certificate rates: 2.74% APY for 3 months, 2.94% APY for 6 to 11 months and 3.25% APY for 12 to 29 months. These are the relationship rates. Refer to the bottom of the rate table for details about eligible relationships. A VisionsPlus Checking with Visa Check Card and a Gold credit card can qualify you. Without this relationship, the rates are still competitive: 2.33% APY for 3 months, 2.63% APY for 6 to 11 months and 2.94% APY for 12 to...
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