Visions Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Exeter	4655 Perkiomen Ave, Reading, PA 19606	View Lobby Hours
Shillington	600 E Lancaster Ave, Shillington, PA 19607	View Lobby Hours
Saddle Brook	250 Pehle Ave, Saddle Brook, NJ 7663	View Lobby Hours
Cicero	5788 E Circle Dr, Cicero, NY 13039	View Lobby Hours
Hackettstown	68 US Highway 46 W, Hackettstown, NJ 7840	View Lobby Hours
Augusta	47 US Highway 206 Ste 1, Augusta, NJ 7822	View Lobby Hours
West Lawn	2104 Van Reed Rd, West Lawn, PA 19609	View Lobby Hours
Apalachin	8836 State Route 434, Apalachin, NY 13732	View Lobby Hours
Maines	101 Broome Corporate Pkwy, Conklin, NY 13748	View Lobby Hours
Randolph	1240 Sussex Tpke, Randolph, NJ 7869	View Lobby Hours
Credit Union Center	3301 Country Club Rd, Endwell, NY 13760	View Lobby Hours
Owego	26 Day Hollow Rd, Owego, NY 13827	View Lobby Hours
University Center	4700 Vestal Pkwy E, Vestal, NY 13850	View Lobby Hours
Syracuse	500 Erie Blvd E, Syracuse, NY 13202	View Lobby Hours
Binghamton East	495 Court St, Binghamton, NY 13904	View Lobby Hours
Metro Center	49 Court St, Binghamton, NY 13901	View Lobby Hours
Binghamton North	1139 Upper Front St, Binghamton, NY 13905	View Lobby Hours
Norwich	5411 State Highway 12, Norwich, NY 13815	View Lobby Hours
Horseheads	1631 County Route 64, Horseheads, NY 14845	View Lobby Hours
Montrose Branch	16909 State Route 706, Montrose, PA 18801	View Lobby Hours
Windsor HS	1191 State Route 79, Windsor, NY 13865	View Lobby Hours
Oakland	3 Post Rd, Oakland, NJ 7436	View Lobby Hours
Elmira	303 N Main St, Elmira, NY 14901	View Lobby Hours
Union-Endicott HS	1100 E Main St, Endicott, NY 13760	View Lobby Hours
JC Pavilion	99 Lester Ave, Johnson City, NY 13790	View Lobby Hours
Town Square	2531 Vestal Pkwy E, Vestal, NY 13850	View Lobby Hours
Spencer	95 Orchard St, Spencer, NY 14883	View Lobby Hours
Lockheed Martin	1801 State Route 17C, Owego, NY 13827	View Lobby Hours
Sayre	2121 Elmira St, Sayre, PA 18840	View Lobby Hours
Wysox	232 Ennis Ln, Towanda, PA 18848	View Lobby Hours
Watkins Glen	513 E 4th St, Watkins Glen, NY 14891	View Lobby Hours
Newark Valley	7198 St Rt 38, Newark Valley, NY 13811	View Lobby Hours
Hilltop	286 Deyo Hill Rd, Johnson City, NY 13790	View Lobby Hours
Oakdale Mall	223 Reynolds Rd, Johnson City, NY 13790	View Lobby Hours
Reading Centre	2101 Centre Ave, Reading, PA 19605	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 1039147	5.647%	5.490%	0.88	$5,643	$1,815	Learn More
NMLS ID: 152227 License#: Yes	5.669%	5.500%	0.75	$6,130	$1,817	Learn More
NMLS ID: 1522344	5.963%	5.875%	1.00	$3,062	$1,893	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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