Visions Credit Union Binghamton NY | Top Checking Accounts & Rewards Cards

Introduction

Welcome to Visions, your trusted partner in financial services located at 435 Glenwood Rd, Binghamton, NY 13905. Established in 1966, we have grown alongside our community, proudly serving over 258,519 members with dedication and care. Our commitment to providing personalized banking solutions is reflected in our impressive assets totaling $5,261,855,076 and total deposits of $368,430,335. At Visions, we understand that every member's financial journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Whether you're looking to finance your dream car or manage your business finances efficiently, we're here to help you achieve your goals. While members can visit us at our branch for any inquiries or assistance, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. With a strong net worth of $518,055,418, you can trust that your financial future is in safe hands. Under the leadership of CEO Tyrone Muse and Board President Christopher Marion, our dedicated team of 885 employees works tirelessly to ensure that each interaction is friendly and professional. We pride ourselves on being a part of the local community and strive to make a positive impact through various initiatives. Ready to take the next step in your financial journey? We invite you to visit us or give us a call at 607-763-8642. Explore how we can support your aspirations today! For more information about our services and membership options, feel free to check out our website at Visions.

Branch History & Mission

At Visions, we believe in the power of community and the strength that comes from supporting one another. Established in 1966, our branch in Binghamton, NY has grown alongside our members, becoming a trusted partner in their financial journeys. With a mission to deliver exceptional financial services while uplifting the communities we serve, Visions has built a legacy of trust and dedication. From our humble beginnings, we have expanded significantly. Today, our membership has reached an impressive total of 258,519 individuals who count on us for their banking needs. We take pride in managing total assets of over $5.26 billion, reflecting our commitment to providing secure and reliable services to our members. Located at 435 Glenwood Rd, Binghamton, NY 13905, our branch is easy to find and surrounded by familiar landmarks that enhance your visit. While members can visit us at this location for personal banking services like checking and savings accounts, auto loans, mortgages, and more, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. Our mission centers around putting people first. We strive not only to provide valuable financial products but also to foster relationships within the community. Our services include everything from personal loans and credit cards with rewards to business banking solutions. We are here to help individuals and businesses thrive financially. In addition to offering traditional banking services, we embrace modern technology. Our branch provides online and mobile banking options that make managing finances convenient for everyone. We prioritize accessibility by ensuring compliance with ADA standards so that all members can easily access our services. Community involvement is vital to who we are at Visions. We engage in various outreach efforts and partnerships that aim to uplift those around us. Whether it's through local events or educational programs, we are dedicated to making a positive impact beyond just banking. As we look forward to the future, we invite you to join us on this journey. Experience the benefits of being a member of Visions where your financial well-being is at the heart of everything we do. Feel free to reach out at 607-763-8642 or visit us online at Visions FCU for more information about how you can become part of our growing family!

Branch Location & Accessibility

Accessibility and Parking

At Visions, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps for easy entry. Parking is available nearby, making it simple to stop by for any banking needs without the hassle of searching for a spot.

Operating Hours

We want to be here for you during times that work best with your schedule. Our lobby hours are Wednesday through Friday from 11 AM to 1 PM. Though we are closed on Mondays, Tuesdays, and Saturdays, we look forward to serving you during our open hours!

Services Offered

Our credit union provides a range of services designed with you in mind. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgage refinancing, or credit cards with rewards Visions has got you covered. We also offer business banking solutions and online and mobile banking for added convenience. Unfortunately, we do not have ATM availability or drive-thru services at this location. However, our team is always ready to assist you inside the branch.

Visit Us Today!

Ready to experience exceptional service? We invite you to stop by our Visions branch in Binghamton or give us a call at 607-763-8642 if you have any questions. Let us help you take the next step toward achieving your financial goals!

Member Eligibility

Becoming a member of Visions is like joining a caring community where your financial well-being is the priority. To qualify for membership, you need to be part of certain groups or live in specific areas that we serve. This includes individuals who work or reside in our local community, and we warmly welcome anyone who meets these criteria. If you're unsure about your eligibility, you can easily check the details at https://membership.visionsfcu.org/ for more information. Once you're ready to take the next step, opening an account with us is straightforward and convenient! Just visit our online application page at https://digital.visionsfcu.org/visionsfcu/sdk/autoenrollmente2e, and you'll find it easy to get started. If you have any questions along the way, feel free to reach out to us at (607) 763-8642. We're here to help you on your journey toward better financial health at Visions, located at 435 Glenwood Rd Binghamton Ny 13905.

Business Banking & Commercial Services

Financing Your Growth

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 That Matter

When it comes to daily operations, having reliable merchant services can make all the difference. Picture this: your customers are ready to buy, but if your payment system isn't smooth, you could lose sales. Our merchant services help you process payments quickly and securely, allowing you to focus on what you do best running your business. Whether you're looking for a loan to invest in new equipment or need efficient payment solutions, Visions is here for you. Visit us at 435 Glenwood Rd Binghamton Ny 13905, Binghamton, NY, or give us a call at (607) 763-8642 to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking

For our local entrepreneurs, our Business Banking services, including Merchant Services and Business Loans, are crafted to support your growth. We know that running a business comes with its own set of challenges, and having reliable banking solutions can make all the difference.

Cash Withdrawal Services

While we currently do not offer ATM facilities at this branch location, we ensure that cash withdrawal services are accessible through various partnerships. If you're ready to explore how these services can work for you, don't hesitate to reach out! Call us at (607) 763-8642 or visit us at 435 Glenwood Rd Binghamton Ny 13905 during our lobby hours: Wednesday through Friday from 11 AM to 1 PM. Join us at Visions where we're dedicated to helping you achieve financial success! For more information about membership and account opening options, check out our website here.

Credit Cards & Rewards

We also offer Credit Cards with Rewards that allow you to earn while you spend. Whether it's cashback on groceries or travel points for your next vacation, these cards provide added value with every purchase.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Visions, we provide robust Online and Mobile Banking features that allow you to manage your accounts anytime, anywhere. Whether you're checking balances on the go or transferring money between accounts, our platforms are user-friendly and secure.

Personal Banking

Our personal banking services include Checking and Savings Accounts tailored to help you save efficiently. If you're planning a big purchase or just want to ensure your money is working for you, our Auto Loans and Vehicle Financing options make it easy to drive away in your dream car without breaking the bank. For those looking to settle into a new home, our Mortgage Loans and Refinancing solutions are designed with competitive rates to help you secure your next property. Additionally, if you find yourself needing some extra cash, our Personal Loans and Debt Consolidation services can help streamline your finances and reduce stress.

Digital & Online Banking

Key Features

Our commitment to security is paramount. You can rest assured knowing that our systems use advanced encryption to keep your personal information safe. Plus, if you're looking for a quick and convenient way to send money, our person-to-person transfer feature makes it easy to send cash directly to friends or family without any hassle. For those who prefer using their mobile devices, you'll love our mobile application. It allows you to manage your finances right from your smartphone or tablet. And if you're into making payments on the go, our mobile payments feature lets you complete transactions quickly and securely.

Simplified Banking Experience

We also offer electronic signature authorization, making it easier than ever to sign documents digitally without having to visit a branch. Plus, with e-statements available, you'll receive your bank statements electronically no more paper clutter! In today's fast-paced world, we know convenience matters. That's why Visions is dedicated to providing accessible and efficient banking solutions that cater to your needs. Explore our digital offerings today and experience how easy banking can be!

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 are proud to share that our financial health is robust, as evidenced by our impressive net worth of $518,055,418. This strong foundation allows us to offer better rates, lower fees, and enhanced member services. Our commitment to financial stability is reflected in our net worth ratio of $984, which demonstrates a solid capital base. This ensures 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, both of which provide stable and rewarding growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $43,892,492, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks. With $61,837,749 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is significant, with $16,128 in used auto loans and a total of $3,514,973,030 in loans and leases available to support your financial goals. Our operational efficiency is highlighted by a net income of $0, allowing 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 dedicated to serving you with a knowledgeable team. With net shares amounting to $22,062,725, we have funds readily available for lending and investments. Additionally, the trust placed in us by our growing member base is evident, as shown by our total share accounts of 564,945. 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 435 Glenwood Rd Binghamton Ny 13905 or call (607) 763-8642 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

Additional Information

If you're considering refinancing your current loans or want to explore eligibility options for any of our products, please don't hesitate to reach out. You can contact us at (607) 763-8642 or visit us at our branch located at 435 Glenwood Rd 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. At Visions, we're dedicated to supporting our members with products that fit their needs while ensuring transparent communication every step of the way. Come see how we can assist you today!

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. Whether you're interested in purchasing a brand-new vehicle or a reliable used one, we have financing options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand your business. We understand that every business has unique needs, and we're committed to providing personalized service to help you succeed.

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 provide competitive rates and flexible terms that can help you secure your dream home without breaking the bank.

Unsecured Credit Card Loans

Managing day-to-day expenses 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, we aim to help our members manage their finances effectively. Whether it's for unexpected expenses or everyday purchases, our credit cards come with benefits that can make your life easier.

Loan Aggregator

Ensuring 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). This commitment to accuracy ensures that users receive fair and transparent offers. Every loan listed is backed by reliable financial institutions, giving users peace of mind when exploring their options.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This transparency helps users trust that they are seeing genuine offers. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect the current market. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions. This feature empowers them to make informed decisions quickly. 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!" This testimonial highlights how LendMesh has made a significant impact on 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.

Visions

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility and Parking

Operating Hours

Services Offered

Visit Us Today!

Member Eligibility

Business Banking & Commercial Services

Financing Your Growth

Merchant Services That Matter

Comprehensive List Of Services

Business Banking

Cash Withdrawal Services

Credit Cards & Rewards

Digital Banking Convenience

Personal Banking

Digital & Online Banking

Key Features

Simplified Banking Experience

Financial Strength

Loan Offering

Additional Information

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Ensuring Accurate Loan Comparisons

Key Benefits of Using LendMesh

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