Visions Credit Union Binghamton NY | Top Checking & Business Loans

Introduction

Welcome to Visions, your trusted credit union located at 5 S College Dr, Binghamton, NY 13905. Since opening our doors in 1966, we have been dedicated to serving our community with financial solutions that empower and uplift our members. With a strong membership base of over 258,519 individuals, we pride ourselves on being more than just a financial institution; we're a family committed to your financial well-being. At Visions, we understand that each member's journey is unique. That's why we offer a diverse range of services tailored to meet your needs, from personal banking and auto loans to business financing and online banking options. Our total assets now exceed $5,261,855,076, reflecting our stability and commitment to you. With a robust net worth of $518,055,418 and cash in hand amounting to $40,393,986, you can trust that your finances are secure with us. Under the leadership of our CEO Tyrone Muse and Board President Christopher Marion, we aim to create an environment where every member feels valued and supported. Whether you're looking for a loan or simply need assistance managing your savings, our dedicated team is here for you. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address: 24 McKinley Ave, Endicott, NY 13760. We invite you to discover how Visions can help you achieve your financial goals. For more information or to speak with one of our friendly staff members, feel free to call us at 607-786-2000 or explore our website at www.visionsfcu.org. Your journey toward financial empowerment starts here!

Branch History & Mission

At Visions, we take pride in our rich history and unwavering mission to support our community in Binghamton, NY. Established in 1966, Visions has grown from a small credit union into a trusted financial partner for over 258,000 members. Our branch, located at 5 S College Dr, Binghamton, NY 13905, has become a cornerstone of financial services in the area, making significant strides in serving the needs of local residents. From our humble beginnings, we have embraced the values of mutual aid and cooperative spirit that are fundamental to credit unions. Over the years, we have expanded our offerings to include personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking services. Today, with total assets reaching an impressive $5.26 billion, we continue to be dedicated to providing accessible and affordable financial solutions to our members. Our mission is clear: to empower individuals and families through personalized financial services while fostering strong community ties. We believe that financial well-being goes hand-in-hand with community support. This philosophy drives us to engage actively in outreach efforts and partnerships that uplift the communities we serve. While members can visit us at our physical branch location, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. Our operating hours are Monday through Friday from 9 AM to 5 PM, allowing us to cater to your banking needs conveniently. In keeping pace with modern technology and member preferences, we've embraced digital advancements such as online banking and mobile payments. Our commitment extends beyond just transactions; we prioritize customer service by ensuring ADA compliance and offering various ways for members to connect with us. Our community involvement is robust. We participate in local events and initiatives aimed at promoting financial literacy and economic development. We know that when our community thrives, so do our members. As we look ahead, we invite you to join Visions. Experience firsthand how we can support your financial journey while contributing positively to the Binghamton community. Together, let's build a brighter future! For more information or to open an account today, visit our website.

Branch Location & Accessibility

Banking Hours That Fit Your Schedule

We understand that life can get busy! That's why our lobby hours are set from Monday to Friday, 9 AM to 5 PM. Whether you're stopping by for personal banking needs or looking for assistance with loans and accounts, we're here during convenient hours to help you.

Convenient Access and Parking

At Visions, we know that accessibility matters. Our branch is designed with everyone in mind, featuring ADA-compliant entrances and ramps to ensure ease of access. Plus, there's ample parking available right outside the building, so you won't have to worry about finding a spot when you arrive.

Services Tailored for You

At Visions, we offer a range of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgages, our team is ready to assist you with personalized service. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. While we don't have drive-thru banking at this location, our friendly staff are always ready to serve you inside the branch. We invite you to come experience the Visions difference! Whether you're a long-time member or thinking about joining us, feel free to call us at 607-786-2000 if you have any questions or need assistance. We're excited to welcome you into our community!

Member Eligibility

Becoming a member of Visions is like joining a family that truly cares about your financial well-being. Located at 5 S College Dr Binghamton Ny 13905, we welcome anyone who lives, works, or attends school in our community. If you're related to an existing member or are part of a qualifying organization, you're also eligible! It's all about building connections and supporting one another. Membership at Visions comes with fantastic benefits, including personalized service and access to a wide range of financial products designed just for you. Joining us is simple! You can learn more about the eligibility criteria by visiting this page. When you're ready to open an account, just head over to this link for easy online enrollment. If you have any questions, don't hesitate to call us at (607) 786-2000 we're here to help!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

Imagine being able to accept payments effortlessly while focusing on what you do best running your business. Our merchant services enable smooth transactions, allowing you to cater to your customers without hassle. From point-of-sale systems to online payment solutions, we provide tools that fit your operational needs and enhance customer satisfaction. If you're ready to take your business to the next level, visit us at 5 S College Dr Binghamton Ny 13905 in Binghamton, NY or reach out at (607) 786-2000. Let's explore how we can help you thrive!

Tailored Lending Solutions

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

Business Banking Solutions

For entrepreneurs and small business owners, we offer comprehensive Business Banking services including merchant services and business loans. We understand the unique challenges businesses face and strive to provide tailored solutions that help you thrive.

Convenient Access

We also recognize the importance of convenience in today's fast-paced world. Our members benefit from ATM & Cash Withdrawal Services, allowing easy access to cash whenever needed. Basic ATM access includes withdrawals and balance checks right at your fingertips. At Visions, we're not just about providing services; we're about building relationships with our members. Our friendly team is here to assist you in-person during lobby hours from Monday through Friday from 9 AM to 5 PM. If you're ready to explore how we can support you financially or have questions about our offerings, don't hesitate to reach out! Call us at (607) 786-2000 or visit us online at Suny Broome for more information. Join us today and experience how financial empowerment can lead you towards a brighter future!

Financial Flexibility

Life can throw unexpected expenses your way, which is where our Personal Loans & Debt Consolidation come into play. These loans offer you the flexibility needed to manage unforeseen costs or consolidate existing debts into one manageable payment. Plus, if you're looking for a way to earn rewards on everyday purchases, check out our Credit Cards with Rewards, designed to give back as you spend.

Personal Banking Services

Our Personal Banking options include checking and savings accounts designed to fit any lifestyle. Imagine having easy access to your funds through our online and mobile banking services, which allow you to manage your accounts from the comfort of your home or on-the-go. You can easily check balances, transfer money, and pay bills without hassle. In addition, if you're thinking about buying a new car, our Auto Loans & Vehicle Financing make it simple for you. With competitive rates and flexible terms, you can drive off in your new vehicle without breaking the bank. If homeownership is on your mind, consider our Mortgage Loans & Refinancing solutions that provide personalized support through every step of the process.

Digital & Online Banking

Key Features

Our online banking services are just a click away at https://www.visionsfcu.org/. You can easily check your balance, transfer funds, and pay bills without having to visit a branch. Plus, with our electronic signature authorization feature, signing documents is quick and hassle-free. Want to stay organized? Our e-statements feature allows you to view your account statements online, helping you go green while keeping your financial records tidy. And if you're looking to send money to friends or family, our person-to-person transfer option makes it easy no cash or checks needed!

Mobile Banking

For those on the go, our mobile application provides all the convenience of online banking right in your pocket. You can even make mobile payments directly from your smartphone! This way, you can shop or pay for services without the need for cash or cards. We prioritize security in every aspect of our digital offerings. Your personal information is protected with advanced security measures so that you can bank with confidence. In today's fast-paced world, having access to real-time account management is crucial. With our user-friendly online tools and mobile app, managing your finances has never been easier or more secure. Join us at Visions and experience the future of banking today!

Financial Strength

Growing Member Trust

We currently have a strong member base with 564,945 total share accounts, demonstrating the trust the community places in us. With net shares available for lending and investments totaling $22,062,725, we are well-prepared to support your needs today and into the future. 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 5 S College Dr Binghamton Ny 13905 or call (607) 786-2000 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.

Investment in Your Future

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 $3,514,973,030 total for loans and leases shows our commitment to supporting your financial goals across various sectors, including $16,128 in used auto loans.

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 operational efficiency is reflected in our $0, which enables 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 ensures that our branches are always ready to serve you with a knowledgeable, committed team.

Strong 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. This strength is further highlighted by our net worth ratio of $984, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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 provide flexible terms and competitive rates to make car ownership accessible.

Business Loans

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand your business. We know that every business is unique, so we work closely with you to find financing that suits your needs. At Visions, our goal is to support you in achieving your financial aspirations. To learn more about our loan offerings or how you can qualify, feel free to reach out at (607) 786-2000, or visit us at our location: 5 S College Dr Binghamton Ny 13905, Binghamton, NY. 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 journey with confidence!

Credit Cards and Personal 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 can be an excellent option for those looking to consolidate debt or make purchases without impacting their cash flow.

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 offer various refinancing options to help you secure the best deal possible on your mortgage.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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). This commitment ensures that all offers are fair and transparent. By using verified data from legitimate financial institutions, LendMesh guarantees that users receive trustworthy information.

Visions

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Banking Hours That Fit Your Schedule

Convenient Access and Parking

Services Tailored for You

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make Life Easier

Tailored Lending Solutions

Comprehensive List Of Services

Business Banking Solutions

Convenient Access

Financial Flexibility

Personal Banking Services

Digital & Online Banking

Key Features

Mobile Banking

Financial Strength

Growing Member Trust

Investment in Your Future

Member-Centric Savings

Operational Efficiency

Strong Financial Health

Loan Offering

Auto Loans

Business Loans

Credit Cards and Personal Loans

Mortgage Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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