Visions Credit Union Elmira NY | Quick Personal Loans & ATM Access

Introduction

Welcome to Visions, your trusted financial partner located at 303 N Main St, Elmira, NY 14901. Since opening our doors in 1966, we have been dedicated to serving our community and supporting our members' financial journeys. With a robust membership of over 258,000, we pride ourselves on being more than just a credit union; we are a family that values trust, transparency, and commitment. At Visions, we understand that financial decisions can be challenging. That's why we offer a comprehensive range of services tailored to meet your needs, from personal banking and auto loans to mortgage options and business banking solutions. Our total assets stand at an impressive $5.26 billion, showcasing our strength and stability in the financial landscape. Our team is led by CEO Tyrone Muse and Board President Christopher Marion, who are deeply invested in ensuring that every member receives personalized attention and support. Together with our dedicated staff of 885 employees, we work tirelessly to foster a welcoming environment where you can feel confident about your financial choices. While members can visit us at our Elmira location, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. We invite you to explore our website at visionsfcu.org for more information about how we can assist you. Whether you're looking to save for your future or need assistance with loans our total deposits exceed $368 million, reflecting our members' trust in us we're here to help. Join us today and experience the Visions difference! For inquiries or assistance, feel free to reach out at (607) 732-4220 during our operating hours from Monday to Friday, 9 AM to 5 PM. Let's achieve your financial goals together!

Branch History & Mission

Join Us!

With operating hours from Monday to Friday between 9 AM and 5 PM, we're always ready to assist you with your financial needs. Whether you're looking for checking accounts or mortgage refinancing options, Visions is here for you. If you're interested in becoming part of a credit union that prioritizes people over profits, we invite you to explore what Visions can do for you. Experience the difference of banking with a purpose join us today! For more information or to open an account, visit our website.

Our Journey

From our humble beginnings at 303 N Main St, Elmira, we have expanded our services to meet the diverse needs of our community. Over the years, we've introduced various offerings including personal banking, auto loans, mortgages, and business services. Our continuous evolution reflects our dedication to empowering members with financial tools that foster growth and success. While members can visit us at our Elmira location for personalized service, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. We are here to ensure that your financial journey is smooth and accessible.

Our Mission

At Visions, our mission is clear: we aim to provide exceptional financial services while actively supporting the communities we serve. We believe in making banking easy and accessible for everyone. That's why we offer online and mobile banking options alongside traditional services like ATMs available for your convenience right here in Elmira. Our commitment goes beyond just providing financial products; it extends into community outreach and partnerships that uplift those around us. We strive to create an environment where every member feels valued and supported.

Branch Location & Accessibility

Accessibility and Parking

At our Elmira branch, we prioritize your convenience. There's ample parking available, ensuring you can easily access our services without the hassle of searching for a spot. Our facility is fully ADA-compliant, featuring ramps and accessible entrances so everyone can enjoy a smooth banking experience.

Connect With Us

Have questions or want to learn more about what we offer? Don't hesitate to call us at 607-732-4220. We invite you to visit us soon and discover how we can help simplify your financial journey!

Operating Hours

We understand that life gets busy, which is why our doors are open Monday through Friday from 9 AM to 5 PM. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our friendly staff is here to help during these hours.

Services Offered

At Visions, we offer a wide range of services tailored to meet your needs. From checking and savings accounts to credit cards with rewards, we've got you covered. Need cash? Our ATM service is available for quick withdrawals and balance checks. Although we currently don't have drive-thru banking at this location, our team is always ready to assist you inside. If you need to send official correspondence, please note that while you can visit us at our Elmira address, mail should be directed to our mailing address: 24 McKinley Ave, Endicott, NY.

Member Eligibility

Welcome to Visions, where becoming a member means joining a community that truly cares about your financial well-being! At our Elmira branch located at 303 N Main St Elmira Ny 14901, we invite anyone who lives, works, worships, or attends school in our community to join us. Whether you're looking for personal banking solutions, auto loans, or even mortgage refinancing, being a member gives you access to a range of financial products designed with your needs in mind. The process is simple and welcoming check out the detailed eligibility criteria on our website at https://membership.visionsfcu.org/ to see how easily you can become part of our family. 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 along the way, feel free to give us a call at (607) 732-4220. We're excited to help you start your journey with Visions!

Business Banking & Commercial Services

Commercial Loans for 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 Work for You

In today's fast-paced market, having reliable merchant services is crucial. At Visions, we offer tailored solutions that simplify transactions and improve cash flow. Imagine a busy day at your storefront our payment processing options ensure you can accept payments quickly and securely, allowing you to focus on what matters most: serving your customers. Ready to take your business to the next level? Visit us at 303 N Main St Elmira Ny 14901 in Elmira, NY, or contact us at (607) 732-4220. Let's work together to build your business success!

Comprehensive List Of Services

Business Banking

If you're a business owner, we're here for you too! Our business banking services include merchant services and business loans designed to support your growth and success. We know how critical it is for businesses to have reliable banking solutions that can keep pace with their needs.

Credit Options

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come in handy. We understand that managing finances can be overwhelming, so we strive to offer flexible credit solutions that empower you to take control of your financial future. Additionally, explore our credit cards with rewards that not only simplify transactions but also give you something back for everyday purchases.

Digital Banking Convenience

In today's fast-paced world, convenience is key. At Elmira, we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With easy access to ATM and cash withdrawal services, plus basic ATM features like balance checks, you can stay on top of your finances without any hassle. Our commitment extends beyond just providing services; we aim to build lasting relationships with our members. If you have questions or need assistance, don't hesitate to call us at (607) 732-4220 during our operating hours from Monday through Friday, 9 AM to 5 PM.

Join Us Today!

Ready to experience the difference? Visit us at 303 N Main St Elmira Ny 14901 or explore more about what we offer by visiting our website at https://www.visionsfcu.org/. Let Visions be your partner in achieving financial success!

Personal Banking

Whether you're just starting out or looking to manage your wealth, our personal banking services cover all the essentials. Open a checking or savings account that suits your lifestyle, helping you save for those important moments. If you're considering buying a car, our auto loans and vehicle financing options provide affordable rates tailored to fit your budget. For those planning to purchase a home, our mortgage loans and refinancing options offer competitive terms to help you secure the right financing.

Digital & Online Banking

Key Services

Our online banking services, accessible at https://www.visionsfcu.org/, provide you with 24/7 access to your accounts. Whether you want to check your balance, transfer funds, or pay bills, everything is just a click away. We also support electronic signatures, so you can authorize transactions safely without needing to visit a branch. If you're looking for convenience on your mobile device, our mobile application is available for easy download. This app allows you to manage your accounts with features like mobile payments, which let you pay directly from your phone at participating merchants. Plus, with person-to-person transfers, sending money to friends and family has never been simpler.

Security and Accessibility

We prioritize your security by ensuring that all transactions are encrypted and protected. Our e-statements feature provides a paperless way to keep track of your finances while helping the environment an easy switch that enhances both security and convenience. You can feel confident knowing that our online banking services are designed with you in mind. Whether you're at home or out running errands, managing your account is straightforward and efficient. If you ever have questions or need assistance, our friendly team is just a phone call away at (607) 732-4220. Explore the world of digital banking today with Visions where convenience meets security!

Financial Strength

Growing Membership Trust

Total Share Accounts stand at 564,945, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $22,062,725, further demonstrating our ability to support our community effectively. 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 303 N Main St Elmira Ny 14901 or call (607) 732-4220 to learn more about how we can help you achieve your financial goals.

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 efforts translate into tangible benefits for you. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This efficiency is backed by a dedicated team of 825 full-time employees and 60 part-time employees who are always ready to assist you with knowledge and care.

Reinvesting 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 supporting your financial goals is reflected in our lending capacity: with $16,128 in used auto loans and $3,514,973,030 in total loans and leases, we provide diverse options to meet your needs.

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. 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 want to lower your payments or change your loan terms.

Business Loans

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand. We understand the challenges faced by small businesses and are here to support your journey. At Visions, we're committed to providing solutions that work for you. If you're interested in any of our loan products or would like more information about eligibility and refinancing options, don't hesitate to reach out. You can contact us at (607) 732-4220 or visit our website at https://www.visionsfcu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward financial success!

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. If you're considering refinancing an existing mortgage, we can guide you through eligibility options that best suit your 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. Our credit cards come with rewards and features designed to meet your everyday spending needs.

Loan Aggregator

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 ensures fair and transparent offers for all users. Each loan comparison reflects current market conditions, giving you a clear view of available options without hidden surprises.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions. This guarantees that the information you receive is trustworthy and accurate. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect the best offers available. - Real-Time Rate Comparisons: The platform updates regularly with the latest loan rates from multiple institutions, allowing you to compare options effectively. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and user-friendly the platform is. 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

Join Us!

Our Journey

Our Mission

Branch Location & Accessibility

Accessibility and Parking

Connect With Us

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Commercial Loans for Growth

Merchant Services That Work for You

Comprehensive List Of Services

Business Banking

Credit Options

Digital Banking Convenience

Join Us Today!

Personal Banking

Digital & Online Banking

Key Services

Security and Accessibility

Financial Strength

Growing Membership Trust

Member-Centric Savings

Operational Efficiency

Reinvesting in Your Future

Strong Financial Health

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Accurate Loan Comparisons

Benefits of Using LendMesh

Join Our Community