Visions Credit Union Cicero NY | Best Auto Loans & Business Banking

Introduction

Welcome to Visions, your trusted financial partner located at 5788 E Circle Dr, Cicero, NY 13039. Since our establishment in 1966, we have dedicated ourselves to providing exceptional service and building strong relationships with our 258,519 members. With total assets of over $5.2 billion, we pride ourselves on being a cornerstone of financial stability in the community. At Visions, we understand that your financial journey is unique. That's why we offer a wide array of services, including personal banking, auto loans, mortgages, and business banking solutions tailored to meet your needs. Our commitment to community impact is evident through our robust member services and support, helping you achieve your financial goals every step of the way. Our leadership team, led by CEO Tyrone Muse and Board President Christopher Marion, is focused on fostering an environment where trust and transparency are paramount. With a dedicated staff of 885 employees, we're here to assist you during our lobby hours from Monday to Friday, 9 AM - 5 PM. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 24 McKinley Ave, Endicott, NY 13760. Explore what makes us different! From competitive interest rates on loans over 159,779 loans and leases disbursed to secure savings options with total deposits reaching $368 million, we're committed to ensuring your finances are well managed. Ready to take the next step? Give us a call at 607-754-7900 or visit our website at Visions FCU to learn more about how we can serve you better. Join us today and experience the Visions difference!

Branch History & Mission

Visions has a rich history rooted in community service and financial empowerment. Established in 1966, our branch located at 5788 E Circle Dr, Cicero, NY 13039, has grown alongside the vibrant Cicero community. Over the years, we have been dedicated to providing our members with exceptional financial services while fostering a sense of belonging and support. From our humble beginnings to becoming a trusted institution with over 258,000 members and total assets exceeding $5.2 billion, Visions has consistently evolved to meet the needs of our community. Our headquarters in Endicott, NY serves as a beacon of support, ensuring that we remain connected to our roots while expanding our reach. At Visions, our mission is clear: to improve the financial well-being of our members and the communities we serve. We believe that everyone deserves access to quality financial services that empower them to achieve their goals. This mission drives us to offer a wide range of products including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. While members can visit us at our branch address for face-to-face assistance during our operating hours from Monday to Friday, 9 AM to 5 PM, we also embrace modern technology to enhance member experience. Our commitment includes online and mobile banking options, making it easier than ever for you to manage your finances on your terms. Additionally, we provide ATM services for convenient cash access. Community involvement is at the heart of what we do. We actively participate in local events and support various outreach initiatives aimed at uplifting those around us. By partnering with local organizations, we strive to make a positive impact in Cicero and beyond. As we look towards the future, we invite you to join us on this journey. Experience the benefits of being part of Visions where your financial success is our priority. Connect with us today at Visions FCU or give us a call at 607-754-7900 to learn more about how we can help you thrive!

Branch Location & Accessibility

Welcome to Visions, your friendly neighborhood credit union located at 5788 E Circle Dr in Cicero, NY. We're here to serve you with a smile and make your banking experience as smooth as possible. Whether you're coming from nearby landmarks like Oneida Lake or the bustling Cicero Commons, finding us is easy! At our branch, we prioritize accessibility for all our members. Our location is ADA compliant, featuring convenient ramps and ample parking to ensure everyone can visit us without hassle. Plus, while we don't offer drive-thru banking, our ATM services are readily available for quick transactions at your convenience. Our team is here to assist you during our lobby hours from Monday to Friday, 9 AM to 5 PM. If you have questions or need assistance outside these hours, feel free to give us a call at 607-754-7900. While members can visit us at this branch for personal banking needs such as checking and savings accounts, auto loans, mortgage refinancing, and more, please note that any official correspondence should be sent to our mailing address: 24 McKinley Ave, Endicott, NY 13760. We invite you to stop by and see how Visions can help meet your financial goals. Your next banking experience awaits!

Member Eligibility

Becoming a member of Visions is like joining a family where your financial well-being is our top priority. If you live, work, worship, or attend school in the area around Cicero, NY, you're likely eligible to join us! At Visions, we believe that everyone deserves access to quality financial services, and we strive to make the membership process as welcoming and straightforward as possible. Not only will you benefit from competitive rates and personalized service, but you'll also gain access to a variety of products tailored just for you. To learn more about the specific eligibility criteria and how easy it is to get started, check out our detailed resource at https://membership.visionsfcu.org/. Once you're ready to take the next step, opening an account is just a click away at https://digital.visionsfcu.org/visionsfcu/sdk/autoenrollmente2e. If you have any questions or need assistance, feel free to call us at (607) 754-7900. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer comprehensive merchant services that simplify daily operations for business owners. Imagine having the ability to accept payments easily, manage transactions seamlessly, and track sales all in one place. Our tools are designed not just to save you time but also to enhance your customer experience. Located at 5788 E Circle Dr Cicero Ny 13039, Cicero, NY, we invite you to explore how Visions can be your partner in success. Reach out today at (607) 754-7900 and let's discuss how we can help your business flourish!

Supporting Your Business 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.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

We also provide easy access to cash through our ATM & Cash Withdrawal Services, ensuring that whether you're out shopping or simply need some cash on hand, you're covered. At Visions, we are committed to making banking simple and accessible for everyone in the community. Our friendly staff is ready to assist you with any questions or concerns at our branch location or via phone at (607) 754-7900 during our lobby hours from Monday through Friday from 9 AM to 5 PM. Ready to take the next step? Visit us today at 5788 E Circle Dr Cicero Ny 13039, explore all of our services at our website, and see how we can help make your financial dreams a reality!

Auto Loans & Vehicle Financing

Dreaming of a new car? Our Auto Loans & Vehicle Financing services make it easy to drive away in the vehicle you desire. We offer competitive rates and flexible terms to ensure that financing is accessible for everyone. Imagine cruising down the road in that new ride, knowing you made a smart financial choice!

Business Banking Services

For business owners, we offer specialized services under Business Banking, including Merchant Services & Business Loans. Running a business requires support, and we're here to help ensure smooth operations and growth potential.

Credit Cards with Rewards

To further enhance your everyday spending, consider our Credit Cards with Rewards program. Earn points on purchases that can lead to exciting rewards! It's not just about spending; it's about getting something back in return.

Mortgage Loans & Refinancing

If homeownership is on your mind, our Mortgage Loans & Refinancing solutions are tailored just for you. Whether you're purchasing your first home or refinancing an existing mortgage, our experts will guide you through the process, helping you find the best options available.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why our robust Online & Mobile Banking features allow you to manage accounts anytime, anywhere. You can check balances, transfer funds, and pay bills right from your smartphone or computer no need for extra trips!

Personal Banking Solutions

Managing your money should be straightforward. With our Personal Banking options, including Checking & Savings Accounts, you can easily keep track of your finances and save for future dreams. Whether you're looking to start a new savings plan or want to manage day-to-day expenses with a checking account, we have the tools that fit your lifestyle.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services provide quick access to funds when you need them most. This could be an ideal solution if you're looking to consolidate debt into one manageable payment, making your financial life easier.

Digital & Online Banking

Key Features

We provide several features to enhance your banking experience. For those who prefer digital statements, e-statements are available, making it easy for you to keep track of your transactions without the clutter of paper. You can also authorize documents with an electronic signature, streamlining processes and saving time. For added convenience, our mobile application allows you to manage your accounts on the go. With mobile payments enabled, paying friends or merchants is quick and hassle-free. Our person-to-person transfer feature lets you send money easily using just an email or phone number.

Security and Accessibility

Security is a top priority at Visions. Our systems are designed to protect your data and give you peace of mind while banking online. We also focus on accessibility; whether you're using a computer or mobile device, you'll find that navigating our services is simple and intuitive. In short, digital and online banking at Visions not only provides convenience but also empowers you to manage your finances effectively and securely. Take advantage of these features today by visiting us online at https://www.visionsfcu.org/!

Financial Strength

Growing Together

Total Share and Deposit Accounts: 564,945, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $22,062,725. 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 5788 E Circle Dr Cicero Ny 13039 or call (607) 754-7900 to learn more about how we can help you achieve your financial goals.

Investing 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 commitment to lending is evident with $16,128 in used auto loans and $3,514,973,030 in total loans and leases, supporting our members' financial goals across various sectors.

Member-Centric Savings Options

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 $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid 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.

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 also provide refinancing options if you're looking to lower your monthly payments or secure better terms on an existing auto loan.

Business Loans

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand. We know how essential it is for businesses to have access to funds when they need them most. At Visions, our goal is to provide you with the tools necessary for financial success. For more information on our loan products or to discuss eligibility options, don't hesitate to reach out at (607) 754-7900 or visit us at our branch located at 5788 E Circle Dr Cicero Ny 13039 in Cicero, 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.

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 terms and eligibility options to ensure that you find a plan that suits your financial situation.

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. These cards come with rewards and benefits designed to enhance your purchasing power while keeping your finances in check.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh guarantees accurate loan comparisons by sourcing data 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 users receive fair and transparent offers tailored to their needs.

Visions

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make a Difference

Supporting Your Business Growth

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Business Banking Services

Credit Cards with Rewards

Mortgage Loans & Refinancing

Online & Mobile Banking

Personal Banking Solutions

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features

Security and Accessibility

Financial Strength

Growing Together

Investing in Your Future

Member-Centric Savings Options

Operational Efficiency

Solid Financial Health

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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