Visions Credit Union Binghamton NY | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Visions, your trusted financial partner in Binghamton, NY! Since our establishment in 1966, we have been dedicated to providing exceptional banking services and building lasting relationships within our community. Located at 1235 Upper Front St, Binghamton, NY 13905, our branch is a hub for over 258,519 members who rely on us for their financial needs. At Visions, we pride ourselves on our robust financial health, with total assets reaching an impressive $5,261,855,076 and total deposits amounting to $368,430,335. Our commitment to serving you goes beyond numbers; we offer a range of services designed to empower our members. Whether you're looking for personal banking options like checking and savings accounts or seeking assistance with auto loans and mortgages, we're here to help. Our experienced team of 885 employees, led by CEO Tyrone Muse and Board President Christopher Marion, is dedicated to ensuring that you receive personalized service every time you visit us. If you need assistance or have questions, feel free to reach out at 800-242-2120. While members can visit us at 1235 Upper Front St, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. We invite you to explore all that Visions has to offer by visiting our website at www.visionsfcu.org. Join us today and experience the difference of a credit union that puts its members first!

Branch History & Mission

At Visions, our story began in 1966 when we opened our doors in Binghamton, NY. Since then, we have grown into a trusted financial partner for over 258,000 members. Our branch is located at 1235 Upper Front St, a convenient spot that's easy to find for anyone in the area. Over the years, we've built a rich legacy of service and community involvement that reflects our mission to improve the financial lives of our members. From our humble beginnings, we've seen remarkable growth. Today, Visions proudly manages total assets of over $5.2 billion. This achievement not only highlights our financial stability but also underscores our commitment to providing exceptional services to our members. We offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions all designed with your needs in mind. Our mission goes beyond just banking; it's about making a positive impact in the community. We believe that financial wellness should be accessible to everyone. That's why we actively engage in various community outreach initiatives and partnerships aimed at supporting local families and businesses. Whether it's through educational workshops or charitable contributions, we strive to give back and help those around us thrive. While members can visit us at 1235 Upper Front St in Binghamton for all their banking needs, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. We understand that convenience is key in today's fast-paced world. That's why we offer ATM services for easy access to your funds and online banking options that let you manage your accounts from anywhere. Although we do not have drive-thru banking available at this location, our lobby hours are accommodating: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. At Visions, we're proud of our history and excited about the future. We invite you to join us on this journey experience firsthand how we can help you achieve your financial goals while being an active part of the Binghamton community. Become a member today and discover the many benefits waiting for you! For more information or assistance, feel free to call us at 800-242-2120 or visit our website at Visions FCU.

Branch Location & Accessibility

Convenient Access

Finding us is a breeze! Our branch features ample parking, ensuring you can pop in without any hassle. We are committed to accessibility and have ADA-compliant facilities, including ramps for those who may need them. Whether you're visiting us for personal banking or to explore our loan options, you'll find our location easy to navigate.

Operating Hours

We know your time is valuable. That's why we're open Monday through Friday from 9 AM to 5 PM and on Saturday from 9 AM to 12 PM. These hours are designed with your busy schedule in mind, allowing you to visit when it's most convenient for you.

Services Offered

At Visions, we offer a variety of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, our team is here to assist with all your financial needs. Plus, enjoy the convenience of ATM access right at our branch for quick cash withdrawals and balance checks. While members can visit us at 1235 Upper Front St, official correspondence should be sent to our mailing address at 24 McKinley Ave in Endicott, NY. If you have any questions or need assistance, feel free to reach out! You can call us at 800-242-2120. We look forward to welcoming you into the Visions family soon!

Member Eligibility

Becoming a member of Visions is like joining a family that truly cares about your financial well-being. If you live, work, worship, or attend school in our community, you are likely eligible to join us! We believe that everyone deserves access to friendly service and great financial products, which is why we welcome individuals who meet these criteria with open arms. Our members enjoy a range of benefits including competitive rates on loans and savings accounts, personalized service, and a supportive community atmosphere. To get started, you can easily check the detailed eligibility criteria by visiting this link. Once you're ready to join, opening an account is a breeze! Just head over to our online application at this page or give us a call at (800) 242-2120 if you have any questions. We're excited to welcome you to Visions at 1235 Upper Front St Binghamton Ny 13905!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to simplify transactions for your business. Imagine being able to accept payments easily from customers while managing sales reports all in one place. Our merchant services empower you to focus more on growing your business without the hassle of complicated payment processing. Located conveniently at 1235 Upper Front St Binghamton Ny 13905 in Binghamton, NY, we're here to partner with you on your journey. Let's explore how we can elevate your business together!

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking services including merchant services and business loans can help you thrive. From managing transactions efficiently to securing funds for expansion, we're here to support your business every step of the way.

Convenient Access

At Visions, convenience is key. We offer an ATM for quick cash withdrawals and balance checks right when you need them. Plus, our digital banking features ensure that accessing your finances is just a click away whether on your computer or mobile device. For more information on how we can assist you in reaching your financial goals or if you have any questions about our services, feel free to contact us at (800) 242-2120. We invite you to visit us at 1235 Upper Front St Binghamton Ny 13905 in Binghamton, NY, where our friendly team is ready to help you navigate all your banking needs. Start taking control of your financial future today with Visions! Visit us online at https://www.visionsfcu.org/ for more details or explore how easy it is to open an account here.

Credit Cards

Our credit cards come with rewards that can enhance your spending experience. Enjoy benefits like cash back or travel points while managing your finances effectively.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing services are here to guide you through every step of the process. With personalized assistance, we help you find the best mortgage solution tailored to your specific situation. Refinancing can also be a great way to lower monthly payments or tap into your home's equity.

Personal Banking

Our personal banking options include checking and savings accounts designed to help you achieve your financial goals. Imagine having easy access to your funds with our convenient online and mobile banking services. You can check balances, transfer money, and pay bills from anywhere, anytime. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it easier than ever to get behind the wheel without breaking the bank. We offer competitive rates that can fit any budget, allowing you to drive away with confidence.

Personal Loans

For those unexpected expenses or planned purchases, our personal loans and debt consolidation solutions provide flexibility and peace of mind. Whether it's for medical bills or a family vacation, we've got options that work for you.

Digital & Online Banking

Always Available

Your time matters, which is why our online banking services are available 24/7. Whether it's early morning or late at night, you can access your accounts whenever it's convenient for you. Managing your finances has never been so flexible! At Visions, we prioritize not just convenience but also security. Our digital banking services are designed with robust security measures to protect your information while providing a user-friendly experience. Join us today and discover how easy banking can be!

Key Services

With our online banking platform available at https://www.visionsfcu.org/, you can check your account balances, transfer funds, and pay bills all from the comfort of your couch or while waiting in line. You'll appreciate the convenience of e-statements; say goodbye to paper clutter and access your statements electronically whenever you need them. Plus, with electronic signature authorization, signing documents is quick and hassle-free.

Mobile Banking Features

Our mobile application makes banking even easier. You can set up mobile payments to handle transactions without needing cash or cards. And if you want to send money to friends or family, our person-to-person transfer feature allows for quick and easy transactions right from your phone.

Financial Strength

Investing Back into You

With $61,837,749 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment extends to supporting your financial goals with a robust lending capacity. We have $16,128 in used auto loans and $3,514,973,030 in total loans and leases, making it easier for you to achieve your dreams.

Member-Centric Savings

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.

Operational Efficiency

Our operations reflect our efficiency with a net income of $0, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

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.

Trust Built on Strong Foundations

With net shares amounting to $22,062,725, our funds available for lending and investments show our ability to support you effectively. Total Share Accounts stand at 564,945, showcasing 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 1235 Upper Front St Binghamton Ny 13905 or call (800) 242-2120 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Services

Beyond these loan products, we also offer various financial services designed to enhance your banking experience. From personal banking accounts to online and mobile banking options, we strive to meet all your financial needs under one roof. Feel free to reach out for more information about eligibility and refinancing options that may be available to you. You can contact us at (800) 242-2120, visit us at 1235 Upper Front St Binghamton Ny 13905, or explore our services further by visiting our website. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Visions, we are dedicated to providing our members with valuable resources and support as they work towards their financial aspirations.

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 provide flexible terms tailored to your budget, making it easier for you to drive away in the vehicle you desire.

Business Loans

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand. We believe in supporting local businesses, and our team is ready to help you navigate your financing options.

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 process, ensuring you understand your options and can find the right fit for your situation.

Unsecured Credit Card Loans

Managing finances can be challenging, which is why 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. These cards come with competitive rates and features designed to give you peace of mind when it comes to unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency and trust in the comparisons provided. No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. Their focus is solely on delivering unbiased results to help users make informed decisions. Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to see current offers at a glance. This feature empowers individuals to act quickly when they find favorable terms. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the positive impact of this tool on its users' financial journeys. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. By partnering with trusted financial institutions, LendMesh guarantees that users receive accurate information without hidden agendas or biased listings.

Visions

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking

Convenient Access

Credit Cards

Home Financing

Personal Banking

Personal Loans

Digital & Online Banking

Always Available

Key Services

Mobile Banking Features

Financial Strength

Investing Back into You

Member-Centric Savings

Operational Efficiency

Our Financial Health

Trust Built on Strong Foundations

Loan Offering

Additional Services

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

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