Visions Federal Credit Union

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A short history of Visions FCU

Since its inception in 1966 the Visions Federal Credit Union has been serving its members in the ENDICOTT, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Tyrone Muse, the Visions FCU has grown its membership to over 186,954 with assets of more than $4,055,242,727. They have a main office and 46 branch offices. Please see the credit unions website or contact them by phone at or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ENDICOTT, NY.

General Information For Visions FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 17429
State New York
Zip-Code 13760
Phone Number
Fax Number
Email Address:
CEO/President Tyrone Muse
Members 186,954
Full-Time Employees 466
Part-Time Employees 98
Number of Branch Offices 46
Total Assets 4,055,242,727

Compare Visions Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
U. H. S. Employees CU BGH Branch 40 Mitchell Ave 13790 No 6.50
Horizons CU Horizons FCU 519 Hooper Rd 13760 No 8.37
Ghs CU Main Office 910 Upper Front St 13905 No 9.00
Guthrie CU Elmer Ave Office 104 N Elmer Ave 18840 No 25.06
Ingersoll-rand CU Ingersoll-Rand FCU 199 N Main St 18810 No 25.85

Visions Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Visions Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.75 2.49 2.99 4.00 4.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All 139 83 91 138 132
Rank Among All New York Credit Unions 20 38 31 48 39

Visions Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.25 0.25 0.30 0.90 0.90
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All 95 95 97 190 171
Rank Among All New York Credit Unions 10 25 23 41 37
Visions Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.75038,59454,602,074
All Other Unsecured Loans/Lines of Credit 6.25048,803210,690,430
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 7.0003,52425,041,730
New Vehicle Loans 2.4909,395187,740,001
Used Vehicle Loans 2.99019,419230,410,642
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.0009,9111,388,542,900
Total Other Real Estate Loans/Lines of Credit 4.2505,853255,629,310
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.2505,393125,106,906
TOTAL LOANS & LEASES 140,8922,477,763,993

Visions Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
a. > 15 years 2,412269,317,55225344,405,000
b. 15 Years or less 5,674550,960,44123552,661,901
a. > 15 years 843147,167,9386923,637,300
b. 15 Years or less 718376,829,1593762,119,494
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 717,500,91700
Adjustable Rate > 1 yr 19336,766,89313424,919,700


Closed-End Fixed Rate 2,467132,105,24914711,006,139
Closed-End Adjustable Rate 74037,815,8942865,000
Open-End Adjustable Rate 2,63785,165,46221415,308,400
Open-End Fixed Rate 9542,70500
TOTALS 15,7641,644,172,2101,091234,922,934


Interest Only & Payment Option 1st Mortgage Loans 911,886,3229,054,667
Interest Only & Payment Option Other RE/LOC Loans 35021,770,5241,843,086
a. Federally Insured Home Equity Conversion Mortgage (HECM) 121,653,64300
b. Proprietary Reverse Mortgage Products 2248,90800

Visions Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes

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