Visions Federal Credit Union

Headquarters

24 Mckinley Ave
Endicott, NY 13760
See all branch locations →

Phone 1-607-786-2000

Notable Rates APY Vs.Others
Savings 0.35% 3.05% →
1-Year CD 0.60% 3.30% →
2-Year CD 0.70% 3.56% →
5-Year CD 1.00% 3.75% →
30-Year Mortgage 7.50% 6.31% →
15-Year Mortgage 7.00% 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Visions is an NCUA insured institution located in Endicott, NY. It was founded in 1966 and has approximately $5627.09 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 $5,627.09 million
Loans $3,217.73 million
Deposits $4,497.15 million
Capital $607.02 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 - September 24, 2022

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.35% $2,500 $4,999 Learn More
Money Market
0.40% $50,000 $99,999 Learn More
Money Market
0.45% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $500 - Learn More
12 Mo CD
0.60% $500 - Learn More
18 Mo CD
0.65% $500 - Learn More
24 Mo CD
0.70% $500 - Learn More
36 Mo CD
0.80% $500 - Learn More
48 Mo CD
0.85% $500 - Learn More
60 Mo CD
1.00% $500 - Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.60% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 24, 2022

Your Current Location: Washington, WA 98101

Home Equity Rates APR Rate Monthly Payment
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
Purchase Mortgage Rates APR Rate Monthly Payment

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:
Seattle,Washington


Visions Locations



Climate Initiatives

VISIONS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
3.31% 4.75

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 March 31, 2022, Visions had $20,504,868 in non-current loans and $463,835 in owned assets. To cover these potential losses it had $607,015,982 in net worth and $27,301,351 in loans loss reserves. That gives it a Texas Ratio of 3.31%.

Net Worth
Visions U.S. Average
10.79% 12.28%

Visions FCU has a net worth of 10.79% versus the BestCashCow average of 12.28. 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

There are currently no comments for VISIONS. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →