|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Visions Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Visions Federal Credit Union's CD - 24-Month rates are at 4.00%, CD - 30-Month rates are at 3.75%, CD - 36-Month rates are at 3.75%, CD - 42-Month (variable) rates are at 3.75%, CD - 48-Month rates are at 3.75%. Visions Federal Credit Union's money market rates are at 2.65%. Visions Federal Credit Union's checking rates are as high as 0.01%. Visions Federal Credit Union's Fixed Rate Mortgage - 15 Yr rates are at 7.25%, Fixed Rate Mortgages - 15 Yr rates are at 7.25%, Fixed Rate Mortgage - 20 Yr rates are at 7.50%, Fixed Rate Mortgages - 20 Yr rates are at 7.50%, Fixed Rate Mortgage - 30 Yr rates are at 7.50%. Visions Federal Credit Union's Personal Loan Rates are as low as 9.24%. Visions Federal Credit Union's Credit Card Rates are at 13.75%. Visions Federal Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Visions Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.30%. Rates last updated and verified on 10/29/2026. Visions Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Visions Federal Credit Union? Share your experience about Visions Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Visions Federal Credit Union. Visions Federal Credit Union
Credit Union Center 3301 Country Club Rd
https://www.visionsfcu.org Endwell, NY 13760-3401  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Visions Federal Credit Union CD Rates
Visions Federal Credit Union Savings Rates
Visions Federal Credit Union Business Money Market Rates
Visions Federal Credit Union Checking Rates
Visions Federal Credit Union Mortgage Rates
Visions Federal Credit Union Home Equity & HELOC
Visions Federal Credit Union Auto Loan Rates
Visions Federal Credit Union RV, Boat and Powersport Loan Rates
Visions Federal Credit Union Credit Card Rates
Visions Federal Credit Union Personal Loan Rates
Visions Federal Credit Union Other Rates
Financial Health HistoryVisions Federal Credit Union’s Texas Ratio rose from 3.19% in Q3 2023 to 5.30% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Visions Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Visions Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Visions Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Visions Federal Credit Union
Website
https://www.visionsfcu.org
Address
3301 Country Club Rd,
Endwell, NY 13760-3401
Phone
607-786-2000
Fax
607-786-5718
President
Christopher Marion
CEO
Tyrone Muse
Full-Time Employees
815
Part-Time Employees
53
Branch Locations
60
ATM Locations
50
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.30%
Return on Assets (ROA)
0.2971%
Return on Equity (ROE)
2.9722%
Non-Performing Loans Ratio (NPL)
0.89%
Total Assets
5,532,662,351
Total Amount of Shares and Deposits
4,924,850,775
Total Shares and Deposits < 1 Year
4,568,406,813
Total Shares and Deposits 1 3 Years
307,308,920
Total Shares and Deposits > 3 Years
49,135,042
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
489,305,437
Total Uninsured Shares and Deposits > $250K (F+J)
489,305,437
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,435,545,338
Total Interest Expense (Sum of items 6 8)
36,148,205
Share Certificates
43,740
Number of Accounts for Share Drafts
165,977
IRA KEOGH Accounts
14,122
Number of Accounts for Regular Shares
317,705
All other shares
8,630
Non Member Deposits
3
Money Market Shares
21,734
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
444,198,649
Total Liabilities
5,032,414,342
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Visions Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Visions Federal Credit Union
Frequently Asked Questions About Visions Federal Credit UnionDoes Visions Federal Credit Union offer CDs?Yes. Visions Federal Credit Union current CD rates include its CD - 24-Month at 4.00% APY, its CD - 30-Month at 3.75% APY and its CD - 36-Month at 3.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Visions Federal Credit Union NCUA insured?Yes. Visions Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Visions Federal Credit Union?The highest Visions Federal Credit Union CD rate is its CD - 24-Month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Visions Federal Credit Union offer?Visions Federal Credit Union CD rates are 3.60% APY for a 12 month CD, 3.65% APY for an 18 month CD, 4.00% APY for a 2 year CD, 3.75% APY for a 30 month CD, 3.75% APY for a 3 year CD, 3.75% APY for a 42 month CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Visions Federal Credit Union for its full lineup. What is the highest money market rate at Visions Federal Credit Union?The highest Visions Federal Credit Union money market rate is its Business Money Market at 2.65% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Visions Federal Credit Union?The highest Visions Federal Credit Union checking rate is its Non-Profit Checking at 0.01% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Visions Federal Credit Union?The lowest Visions Federal Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Yr at 7.50%, verified by MonitorBankRates as of October 29, 2026. Visions Federal Credit Union mortgage rates are 7.50% for a 30 year mortgage, 7.50% for a 20 year mortgage and 7.25% for a 15 year mortgage. What is the lowest auto loan rate at Visions Federal Credit Union?The lowest Visions Federal Credit Union auto loan rate is its New Auto, Truck + Motorcycle: Current and Previous 3 Calendar Year Vehicles at 5.74% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Visions Federal Credit Union?The lowest Visions Federal Credit Union personal loan rate is its Signature Loan at 12.25% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Visions Federal Credit Union?The lowest Visions Federal Credit Union credit card APR is its Visa Platinum Credit Card at 13.75% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Visions Federal Credit Union operate?Visions Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Visions Federal Credit Union?Yes, to access services at Visions Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Visions Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Visions Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Visions Federal Credit Union offer online and mobile banking?Most modern institutions like Visions Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.visionsfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Visions Federal Credit Union rates compare?Visions Federal Credit Union's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. Visions Federal Credit Union's top rates are its CD - 24-Month at 4.00% APY, its Business Money Market at 2.65% APY, its Non-Profit Checking at 0.01% APY, its Fixed Rate Mortgage - 15 Yr at 7.25%, its Community Solar Loan at 9.24% APR and its Visa Platinum Credit Card at 13.75% APR, verified by MonitorBankRates on October 29, 2026. Current Visions Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Fort Morgan Schools Federal Credit Union
Gratiot Community Credit Union
Police Federal Credit Union
RVA Financial Federal Credit Union
Raritan Bay Federal Credit Union
Members 1st Federal Credit Union Enola, PA
Minnesota Power Employees Credit Union
North Memorial Federal Credit Union
Hershey Federal Credit Union
Austin Telco Federal Credit Union
Red Wing Credit Union
Coast Line Credit Union
Griffith Institute Employees Federal Credit Union
Waypoint Credit Union
SAFE Credit Union
Sun Federal Credit Union
Rome Teachers Federal Credit Union
GSA Federal Credit Union
Maine Family Federal Credit Union
MABC Federal Credit Union
Southeastern Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
