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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 April 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: April 18, 2026
Visions Federal Credit Union's money market rates are at 3.60%. 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 4.43%. Rates were last updated on 04/18/2026. 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 
Visions Federal Credit Union Money Market Rates
Visions Federal Credit Union Checking Rates
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
797
Part-Time Employees
71
Branch Locations
61
ATM Locations
52
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.43%
Return on Assets (ROA)
0.3003%
Return on Equity (ROE)
2.9273%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
5,199,428,622
Total Amount of Shares and Deposits
4,465,336,812
Total Shares and Deposits < 1 Year
4,112,339,514
Total Shares and Deposits 1 3 Years
303,310,282
Total Shares and Deposits > 3 Years
49,687,016
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
386,998,858
Total Uninsured Shares and Deposits > $250K (F+J)
386,998,858
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,078,337,954
Total Interest Expense (Sum of items 6 8)
62,057,644
Share Certificates
38,430
Number of Accounts for Share Drafts
162,640
IRA KEOGH Accounts
14,288
Number of Accounts for Regular Shares
316,562
All other shares
9,011
Non Member Deposits
5
Money Market Shares
21,452
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
489,479,873
Total Liabilities
4,725,669,271
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Visions Federal Credit UnionIs Visions Federal Credit Union a safe place to deposit money?Yes, Visions Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.43483934846%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Visions Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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