Visions Credit Union Ridgewood NJ | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Visions, your trusted community credit union located at 179 E Ridgewood Ave, Ridgewood, NJ 07450. Since our establishment in 1966, we have been committed to serving our members and empowering them on their financial journeys. With a strong membership base of over 258,519 individuals, we take pride in being a part of the lives of so many families in our community. At Visions, we understand that financial well-being is essential for our members. That's why we manage total assets of approximately $5,261,855,076 and maintain total deposits of $368,430,335 to provide you with safe and secure banking options. Our dedicated team, led by CEO Tyrone Muse and Board President Christopher Marion, is here to help you navigate your financial goals whether it's securing an auto loan or planning for your future with savings accounts tailored just for you. While you can visit us at our branch location in Ridgewood, please note that official correspondence should be sent to our mailing address at 3301 Country Club Rd, Endwell, NY 13760-3401. We also offer the convenience of online services, allowing you to manage your finances from the comfort of your home. Join us at Visions as we strive to make a positive impact in the lives of our members through personalized banking solutions and community involvement. For any inquiries or assistance, feel free to call us at 800-242-2120 or explore our website at www.visionsfcu.org. We look forward to serving you!

Branch History & Mission

Community Commitment

Community outreach is at the heart of what we do. We actively participate in local events and partner with various organizations to help those in need. Our shared service center makes it easy for members of partner credit unions to access essential banking services right here at our Ridgewood branch. By focusing on both individual needs and broader community goals, we work diligently to foster an inclusive environment where every member feels valued. In conclusion, we invite you to join Visions and experience the benefits of being part of a credit union that truly cares about its members and their communities. Whether you're looking for a loan or simply want advice on managing your finances, we're here for you every step of the way. Reach out today at 800-242-2120 or visit us online at Visions FCU for more information!

Our Mission

The mission of Visions goes beyond just banking; it's about fostering relationships built on trust and support. We strive to provide exceptional financial services while also making a positive impact in the communities we serve. Our focus is on empowering individuals through personal banking solutions such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. We believe that everyone deserves access to quality financial resources. To ensure this, we've embraced modern technology with features like online banking and mobile payments. This allows our members to manage their finances conveniently while staying connected with us anytime they need assistance.

Branch Location & Accessibility

Accessibility and Features

Our branch is designed with your convenience in mind. We offer ample parking for your ease and make sure that our facilities are ADA compliant, featuring ramps and accessible entrances for everyone. Although we don't have a drive-thru service, our friendly staff is here to assist you during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM.

Services Offered

At Visions, we provide a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, our dedicated team is here to help you navigate your financial journey. Need cash? Our ATM is available for quick withdrawals and balance checks. We also participate in shared services for partner credit union members, allowing basic transactions like deposits and withdrawals right here at our branch. Feel free to reach out at 800-242-2120 if you have questions or would like more information about any of our offerings. We invite you to visit us soon your financial future starts here at Visions!

Member Eligibility

Joining the Visions community is a warm and welcoming experience, where you become part of a supportive network dedicated to helping you achieve your financial goals. To qualify for membership, you simply need to live, work, or worship in the areas we serve, which includes a broad range of communities. If you're unsure whether you meet the eligibility criteria, don't worry! You can find all the details on our website at https://membership.visionsfcu.org/, which provides a comprehensive look at who can join us. Once you've confirmed your eligibility, opening an account is a breeze! Just visit us online at https://digital.visionsfcu.org/visionsfcu/sdk/autoenrollmente2e, or give us a call at (800) 242-2120 if you have any questions. Our friendly team is ready to assist you every step of the way. With member-focused services and competitive rates, becoming part of Visions means gaining access to valuable financial tools and resources tailored just for you. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to accept payments seamlessly while managing your cash flow effectively. Our merchant services provide tools to help you process transactions smoothly, giving you more time to focus on what truly matters growing your business. Whether it's credit card processing or mobile payments, we've got you covered. Located conveniently at 179 E Ridgewood Ave Ridgewood Nj 07450, Ridgewood, NJ, we invite you to explore how Visions can be a valuable partner in your business endeavors. For more information, reach out at (800) 242-2120 or visit us online at http://www.visionsfcu.org. Let's build something great together!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $511 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $441,123,035, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Shared Branch Services

Accessing your money should be simple. With our convenient ATM & Cash Withdrawal Services, you can quickly withdraw cash or check balances at any time. Plus, if you're a member of another participating credit union, you can perform basic shared branch transactions like deposits and withdrawals right here at Visions.

Business Banking

For small business owners, we provide essential resources through our Business Banking services, including merchant services and business loans. Whether you're just starting out or looking to expand, our team can guide you through the financing process.

Community Commitment

At Visions, we're more than just a financial institution; we're part of the community. We believe in helping our members achieve their financial goals while providing top-notch service every step of the way. If you have questions about any of our services or want to learn how we can assist you today, please reach out at (800) 242-2120. We invite you to visit us or explore more on our website at Ridgewood. Join us in making your financial journey smoother and more rewarding!

Credit Solutions

We also understand the importance of building credit. That's why we offer Credit Cards with Rewards that not only help you make purchases but also earn points for future rewards. Enjoy peace of mind knowing you have options that suit your spending habits while enhancing your credit score.

Loans and Financing

Need a new car? Our Auto Loans & Vehicle Financing options come with competitive rates that make getting behind the wheel easier than ever. If you're looking for a home, our Mortgage Loans & Refinancing can help turn your dream into reality. For those unexpected expenses or consolidating debt, our Personal Loans & Debt Consolidation services provide flexible solutions to manage your financial commitments without stress.

Personal Banking

For everyday banking needs, we offer Personal Banking services that include checking and savings accounts tailored to fit your lifestyle. Imagine being able to manage your finances effortlessly through our user-friendly Online & Mobile Banking platforms. Whether you're checking balances, transferring funds, or setting up automatic payments, we've made banking accessible anytime and anywhere.

Digital & Online Banking

Convenient Online Access

Our online banking platform provides 24/7 access to your accounts. You can check balances, pay bills, and transfer funds without stepping foot in a branch. Need to send money to a friend? Our person-to-person transfers make it quick and simple. Plus, with our mobile application, you can manage everything right from your smartphone.

Security You Can Trust

We prioritize your security by offering features like electronic signature authorization and e-statements. This means you can sign documents safely online and receive your statements digitally no more cluttered mailboxes! Our commitment to keeping your information safe allows you to bank with confidence.

Stay Updated on Your Finances

With mobile payments enabled, making purchases is easier than ever. Simply use our app to pay at various retailers without needing cash or cards. You'll also receive real-time updates about your transactions, ensuring you stay informed about your spending habits. At Visions, we believe in empowering our members with user-friendly tools for effective account management. Whether you're at home or on the go, our digital banking services are designed to keep you connected and in control of your finances. Embrace the convenience of modern banking today!

Financial Strength

At Visions, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a reliable financial partner is essential. That's why we are committed to maintaining robust financial health, ensuring that you can trust us with your hard-earned money. With a net worth of $518,055,418, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $984 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,202,677,144 in share certificates and $971,071,754 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $43,892,492, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our dedication to growth is reflected in our $61,837,749 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $16,128 in used auto loans and $3,514,973,030 in total loans and leases, our lending capacity supports members' financial goals across various sectors. While our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members, we also take pride in having 825 full-time employees and 60 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledge and commitment. Net Shares (Funds available for lending and investments): $22,062,725. Total Share and Deposit Accounts: 564,945, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Visions is your trusted partner. Visit us at 179 E Ridgewood Ave Ridgewood Nj 07450 or call (800) 242-2120 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $207,337,752 in used vehicle loans and $128,437,851 in new vehicle loans already helping members get on the road. We have financing options that can accommodate various budgets and credit profiles, making it easy for you to drive away in the vehicle you want. If you're considering refinancing your current auto loan, we also provide competitive rates and flexible terms to fit your situation.

Business Financing

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand your enterprise. We understand the unique challenges faced by small businesses and are committed to helping you succeed with tailored financing solutions. At Visions, we prioritize transparency and support throughout your borrowing journey. For detailed eligibility options or if you'd like assistance with refinancing any existing loans, feel free to reach out. You can contact us at (800) 242-2120 or visit us at our branch located at 179 E Ridgewood Ave Ridgewood Nj 07450 in Ridgewood, NJ. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial decisions with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $290,624,581, make buying or refinancing simple. We guide you through each step of the mortgage process, ensuring that you find the right product for your needs. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our dedicated team is here to assist you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $87,120,655 in loans helping members manage their finances effectively. This option provides a great way to cover unexpected expenses without the burden of collateral. Our credit cards come with rewards programs too, making every purchase more rewarding.

Loan Aggregator

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Visions

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Community Commitment

Our Mission

Branch Location & Accessibility

Accessibility and Features

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Matter

Tailored Loan Options

Comprehensive List Of Services

ATM and Shared Branch Services

Business Banking

Community Commitment

Credit Solutions

Loans and Financing

Personal Banking

Digital & Online Banking

Convenient Online Access

Security You Can Trust

Stay Updated on Your Finances

Financial Strength

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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