What are the current interest rates at Visions Federal Credit Union?

Current rates for Visions Federal Credit Union include: MMA: 3.60%

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Visions Federal Credit Union

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Visions Federal Credit Union Rates & Review April 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 5, 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 04/05/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.43%

Excellent Lower than avg

Visions Federal Credit Union
Credit Union Center

3301 Country Club Rd
Endwell, NY 13760 3401

https://www.visionsfcu.org

Visions Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	3.60%
Details is_promo: true; For six months when you become a new member and open a Flex Money Market or Business Money Market account! Last Updated 04/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Visions Federal Credit Union Checking Rates

Product	Rate	APY	View More
Non-Profit Checking	0.01%	0.01%
No additional details. Last Updated 04/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Visions Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	3.00%
Details As Low As; APR is Prime -.25% with a minimum rate of 3.00% and a maximum rate of 15.80% APR. The following conditions must be met to waive closing costs: automatic payment on the new line and a minimum of $25,000 in new money advanced at closing. Applications must be submitted no later than 12/31/26. Last Updated 04/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.43%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Visions Federal Credit Union

Is 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.