Visions Federal Credit Union
Headquarters
24 Mckinley Ave
Endicott, NY 13760
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Phone 1-607-786-2000
2024 Overview
General Credit Union Information
Visions is an NCUA insured institution located in Endicott, NY. It was founded in 1966 and has approximately $5683.44 millions in assets.
Who can join?
New York Residents: If you live, work, attend school, or regularly conduct business in Broome, Tioga, Chemung, Chenango, Tioga, Schuyler, or Rockland counties, or the cities of Rochester* or Syracuse, you can join
Pennsylvania Residents: If you live, work, attend school, or regularly conduct business in Bradford County*, North Fayette* Counties, Bethlehem, or Easton, or employed by Susquehanna County, or work for a PA company listed in the eligible groups tab** you can join
New Jersey Residents: If you live, work, attend school, or regularly conduct business in Bergen or Passaic Counties; or portions of Essex*, Hudson*, or Union Counties, you can join
*Some restrictions may apply
https://www.visionsfcu.org/about_visions/become_a_member.php
**For eligible group tab
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 17429 |
| Date Established | 1966 |
| Assets | $5,683.44 million |
| Loans | $3,744.79 million |
| Deposits | $4,393.10 million |
| Capital | $611.56 million |
Field of Membership Restrictions
Visions Federal Credit Union serves…
New York Residents - If you live, work, or attend school in Broome, Chenango, Tioga, Chemung*, Schuyler*, or Rockland* Counties, or the cities of Rochester* or Syracuse, you can join.
Pennsylvania Residents - If you live, work, or attend school in Bradford County; portions of South Westmoreland* or North Fayette* Counties; portions of the Cities of Allentown*, Bethlehem*, or Easton*; or if you are employed by a Susquehanna County, PA company listed on the 'eligible groups' tab, you can join.
New Jersey Residents - If you live, work, or attend school in Bergen or Passaic Counties; or portions of Essex*, Hudson*, or Union* Counties, you can join.
*Some restrictions may apply, ask a representative for exact geographic boundaries.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.75% | $0 | $9,999 |
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|
| SAV
|
0.75% | $10,000 | $49,999 |
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|
| SAV
|
0.85% | $50,000 | $99,999 |
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|
| Share Money Manager
|
0.85% | $100,000 | $249,999 |
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|
| Share Money Manager
|
0.85% | $250,000 | - |
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|
|
Money Market
|
1.01% | $0 | $99,999 |
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|
|
Money Market
|
1.10% | $10,000 | $49,999 |
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|
|
Money Market
|
1.50% | $50,000 | $99,999 |
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|
|
Money Market
|
1.75% | $100,000 | $249,999 |
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|
|
Money Market
|
2.00% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.15% | $500 | - |
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|
| 12 Mo CD
|
4.25% | $500 | - |
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|
| 18 Mo CD
|
3.66% | $500 | - |
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|
| 24 Mo CD
|
3.70% | $500 | - |
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|
| 36 Mo CD
|
3.80% | $500 | - |
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|
| 48 Mo CD
|
3.90% | $500 | - |
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|
| 60 Mo CD
|
3.95% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
1.65% | $0 | $9,999 | Learn More |
| VIRA
|
1.65% | $10,000 | $49,999 | Learn More |
| VIRA
|
1.65% | $50,000 | $99,999 | Learn More |
| Accumulator
|
1.65% | $100,000 | $249,999 | Learn More |
| Accumulator
|
1.65% | $250,000 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $0 | $9,999 | Learn More |
| INTCK
|
0.10% | $10,000 | $49,999 | Learn More |
| Flex Checking Plus
|
0.10% | $50,000 | $99,999 | Learn More |
| Flex Checking Plus
|
0.10% | $100,000 | $249,999 | Learn More |
| Flex Checking Plus
|
0.10% | $250,000 | - | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.25% | 5.25% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 2.75% | 2.75% | $724.28 | |
| 4 Year | 2.75% | 2.75% | $550.60 | |
| 5 Year | 2.75% | 2.75% | $446.45 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
6.83% | 6.75% | $2,075.51 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.08% | 7.00% | $2,128.97 | |
| 15 Year Fixed Conforming See Amortization Table |
7.00% | 7.00% | $2,876.25 | |
| 20 Year Fixed Conforming See Amortization Table |
7.25% | 7.25% | $2,529.20 | |
| 30 Year Fixed Conforming See Amortization Table |
7.50% | 7.50% | $2,237.49 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
6.83% | 6.75% | $2,075.51 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.08% | 7.00% | $2,128.97 | |
| 15 Year Fixed Conforming See Amortization Table |
7.00% | 7.00% | $2,876.25 | |
| 20 Year Fixed Conforming See Amortization Table |
7.25% | 7.25% | $2,529.20 | |
| 30 Year Fixed Conforming See Amortization Table |
7.50% | 7.50% | $2,237.49 | |
Compare with 6.944% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Visions branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
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Financial Details
Visions Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Visions. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Visions | U.S. Average |
|---|---|
| 5.37% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Visions had $33,804,398 in non-current loans and $371,212 in owned assets. To cover these potential losses it had $611,562,000 in net worth and $24,587,170 in loans loss reserves. That gives it a Texas Ratio of 5.37%.
Net Worth
| Visions | U.S. Average |
|---|---|
| 10.76% | 13.62% |
Visions FCU has a net worth of 10.76% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Visions
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