VISIONS

24 MCKINLEY AVE
Endicott, NY 13760

Phone: 1-607-786-2000

Notable Rates APY Vs.Others
Savings 0.60% 2.30% →
1-Year CD 1.16% 2.25% →
2-Year CD 1.51% 2.50% →
5-Year CD 2.53% 2.80% →
30-Year Mortgage 4.00% 3.31% →
15-Year Mortgage 3.50% 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Visions is an NCUA insured institution located in Endicott, NY. It was founded in 1966 and has approximately $4241.06 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
Charter Number # # 17429
Date Established 1966
Assets $4,241.06 million
Loans $2,842.02 million
Deposits $3,336.70 million
Capital $537.72 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 - December 7, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.65% $1 $9,999 Learn MoreShow Less
Money Market
0.90% $10,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.16% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.75% $500 - Learn MoreShow Less
6 Mo CD
0.90% $500 - Learn MoreShow Less
12 Mo CD
1.16% $500 - Learn MoreShow Less
Special: 18 Mo CD
2.28% $500 $1,000,000 Learn MoreShow Less
18 Mo CD
1.26% $500 - Learn MoreShow Less
24 Mo CD
1.51% $500 - Learn MoreShow Less
30 Mo CD
1.71% $500 - Learn MoreShow Less
36 Mo CD
1.87% $500 - Learn MoreShow Less
48 Mo CD
2.02% $500 - Learn MoreShow Less
60 Mo CD
2.53% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.92% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1 $9,999 Learn MoreShow Less

Loan Rates - December 7, 2019

Your Current Location: Connecticut, CT 06828

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:
Fairfield,Connecticut


Visions Locations


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
3.46% 5.86

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 June 30, 2019, Visions had $17,549,883 in non-current loans and $2,632,525 in owned assets. To cover these potential losses it had $537,715,939 in net worth and $46,166,202 in loans loss reserves. That gives it a Texas Ratio of 3.46%.

Net Worth
Visions U.S. Average
12.67% 13.65%

Visions FCU has a net worth of 12.67% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Visions

Branches and Savings

What is Visions?

A federal credit union, registered with the NCUA under certificate #17429.
Learn more about credit unions here.

Is Visions FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Visions?

Please see Field of Membership information above for information on who is eligible to join.

What are Visions's share account and share certificate rates?

Visions's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Visions?

Visions has total capital of $537.72 million. Full information on Visions's financial position is located above.

Who owns Visions?

Credit Unions are owned by their members.

Where are Visions branches located?

See branch locations nearby.

Are Visions ATMs Open 24/7?

Do Visions ATMs accept cash deposits?

Can Visions customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Visions have a mobile app?

Does Visions have mobile deposit?

Does Visions have quick pay?

How can Visions transfer money to other banks or credit unions?

Does Visions report to credit bureaus?

Does Visions use Chexsystems?

Does Visions use Equifax?

What is Visions's toll free phone number?

What is Visions's ACH Routing Number?

What is Visions's SWIFT code?

Where can I find Visions's wire transfer form?

What is the Visions address for deposits?

What Products Does Visions Offer

Does Visions offer mortgages?

Compare mortgage rates here.

Does Visions offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Visions offer auto and RV loans?

Compare auto loan rates here.

Does Visions offer student loans or personal loans?

Compare personal loan rates here.

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