Visions Credit Union Horseheads NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Visions, your trusted credit union located at 1631 County Route 64, Horseheads, NY 14845. Since our establishment in 1966, we have dedicated ourselves to serving our community and providing financial solutions that empower our members. With a current membership of over 258,519, we pride ourselves on building lasting relationships and supporting the financial well-being of our community. At Visions, we understand that financial stability is crucial. That's why we manage total assets of $5,261,855,076 and offer a wide range of services, from personal banking and auto loans to mortgage financing and business banking. Our commitment to you is reflected in our robust portfolio of 159,779 loans and leases, totaling an impressive $368,430,335 in deposits. Our leadership team, headed by CEO Tyrone Muse and Board President Christopher Marion, is dedicated to maintaining a member-focused approach. With a passionate staff of 885 employees, we're here to provide personalized service that meets your unique needs. Whether you're looking for everyday banking solutions or specialized loans, we've got you covered. While members can visit us at our branch location in Horseheads, official correspondence should be sent to our mailing address: 24 McKinley Ave, Endicott, NY 13760. Explore all that Visions has to offer by visiting our website at Visions FCU. We invite you to connect with us by phone at 607-795-4183 during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Community Focus

We believe in being more than just a financial institution; we aim to be a vital part of the Horseheads community. Through various partnerships and outreach efforts, we actively support local initiatives that promote education and economic development. Whether it's sponsoring local events or providing financial literacy workshops, we are committed to making a positive impact. Our modern approach also includes convenient digital services such as online banking and mobile payments, ensuring that our members have access to their finances anytime and anywhere. We remain dedicated to maintaining an accessible environment for all members by adhering to ADA compliance standards. Join us at Visions and discover how being part of a credit union can change your financial future for the better. Experience personalized service and community-focused banking that truly cares about you. Let us help you achieve your dreams together!

Mission Statement

At Visions, our mission is clear: to provide our members with exceptional financial services while enriching the communities we serve. We strive to empower individuals through education and access to resources that help them achieve their financial goals. This mission guides every decision we make and shapes the programs we offer. Our operating hours are designed with your convenience in mind Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. While you can visit us at our Horseheads branch for all your banking needs, official correspondence should be directed to our mailing address at 24 McKinley Ave, Endicott, NY.

Branch Location & Accessibility

Call Us Today!

Have questions or want more information? Don't hesitate to reach out! Give us a call at 607-795-4183. Our friendly staff is always ready to assist you with anything you might need. We look forward to welcoming you into our branch soon!

Convenient Access

At Visions, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring that everyone can easily access our services. There's ample parking available right outside the building, so you won't have to worry about finding a spot when you visit us. While our main address is where you can find us for in-person assistance, please note that if you need to send any official correspondence, it should be directed to our mailing address at 24 McKinley Ave, Endicott, NY.

Operating Hours

We understand that life can get busy! That's why we offer flexible operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. This way, you can find a time that suits your schedule to come in and speak with one of our knowledgeable team members.

Services Tailored for You

At Visions, we offer a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we are here to help you achieve your financial goals. Plus, with our ATM availability, you can easily access cash whenever you need it.

Member Eligibility

At Visions, we believe that becoming a member means joining a caring community where your financial well-being is our top priority. If you're looking to join us, you'll be pleased to know that eligibility is straightforward and welcoming. Generally, membership is open to those who live, work, worship, or attend school in the area surrounding Horseheads, NY. We also extend membership to family members of existing members. This means that if you're connected to someone who is already part of our community, you can enjoy the same benefits they do! To learn more about our specific eligibility criteria and ensure you meet all requirements, feel free to visit our detailed guide at https://membership.visionsfcu.org/. Once you're ready to take the next step, opening an account with Visions is easy and convenient. You can start the process online or visit us at our branch located at 1631 County Route 64 Horseheads Ny 14845. Our friendly team is here to assist you every step of the way. If you have any questions or need further assistance, don't hesitate to give us a call at (607) 795-4183. We're excited for you to become part of our community and look forward to helping you achieve your financial goals!

Business Banking & Commercial Services

Commercial 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

But it doesn't stop there! Our merchant services make everyday transactions easier for you. Picture this: your customers can pay with ease while you manage your finances seamlessly through our tools designed for efficiency. From payment processing solutions to cash management services, we've got you covered. Located at 1631 County Route 64 Horseheads Ny 14845, Horseheads, NY, we're ready to partner with you on your business journey. Let's work together to make your financial goals a reality!

Comprehensive List Of Services

ATM Services

Need cash on the go? Our branch offers an ATM for quick access to your funds, making it easy for you to withdraw cash or check balances whenever necessary. At Visions, we are committed to providing excellent service in all aspects of banking. We invite you to visit us at our branch in Horseheads, NY, or call us at (607) 795-4183 for more information about how we can meet your financial needs. Experience the difference with personalized service tailored just for you!

Business Banking Services

For our business members, we offer comprehensive solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, our team is ready to help with tailored advice and funding solutions.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why Visions provides robust online and mobile banking platforms. You can easily manage your accounts from anywhere using our user-friendly mobile application. Features like mobile payments, person-to-person transfers, and e-statements ensure that you stay connected without any hassle.

Credit Options

Our members enjoy access to flexible financing options with our credit cards featuring rewards programs. This means every purchase you make can earn you points toward future rewards, making it more rewarding to shop and spend.

Personal Banking Solutions

We offer a variety of personal banking services designed to help you manage your finances effortlessly. From checking and savings accounts that fit your lifestyle to auto loans and vehicle financing, we aim to make purchasing your next car easy and affordable. If you're considering buying a home or refinancing your current mortgage, our mortgage loans and refinancing options can help make those dreams a reality. Additionally, our personal loans and debt consolidation services can assist you in managing expenses or unexpected costs.

Digital & Online Banking

Key Features

With our online banking platform, you can enjoy the convenience of electronic signature authorization, allowing you to complete important transactions without the hassle of paper forms. Plus, you can opt for e-statements, which not only help reduce clutter but also give you quick access to your financial information. Need to send money to a friend or family member? Our person-to-person transfer feature makes it effortless to share funds instantly. And if you're always on the go, our mobile application allows you to manage your accounts directly from your smartphone. You can even make mobile payments with just a few taps.

Security and Accessibility

We take security seriously at Visions. Our online banking services are designed with robust security measures to protect your personal information while providing you with an intuitive user experience. Whether you're checking balances, paying bills, or transferring money, you can do so with confidence. Our commitment to accessibility ensures that all members can easily navigate our services. Whether you're a tech-savvy user or just getting started with online banking, you'll find that everything is laid out in a straightforward manner. Real-time account management means you're always in control of your financial health. In summary, Visions is here to support your financial journey with tools that prioritize both convenience and security. Visit us at https://www.visionsfcu.org/ today to explore how our digital banking services can enhance your banking experience!

Financial Strength

Growing Membership Base

With a total of 564,945 share accounts, we have built a strong and growing member base that trusts us with their finances. Additionally, the funds available for lending and investments stand at $22,062,725, demonstrating our capacity to meet your borrowing needs 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 1631 County Route 64 Horseheads Ny 14845 or call (607) 795-4183 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 Member Services

Our commitment to our members is reflected in our $61,837,749 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures. We are dedicated to supporting your financial goals across various sectors with $16,128 in used auto loans and a total of $3,514,973,030 in loans and leases.

Operational Efficiency

Our operational efficiency shines through with a reported 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.

Secure 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.

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 solid footing ensures that we can support our members' needs now and in the future. 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 provide financing for both new and used vehicles, ensuring that you find an option that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand. We are committed to supporting local businesses by offering tailored solutions that align with your business objectives. If you're considering refinancing or want to check your eligibility for any of our loan products, feel free to reach out. Our team at Visions is here to assist you every step of the way. You can visit us at 1631 County Route 64 Horseheads Ny 14845, Horseheads, NY, or give us a call at (607) 795-4183 for more information about our loan offerings. 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 look forward to partnering with you on your financial journey!

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. Our experienced team is here to guide you through the process and help you secure a loan that suits your needs.

Unsecured Credit Cards

Managing finances can be challenging, but our flexible terms on unsecured credit card loans can provide you with the support you need. With a total of $87,120,655 in loans, our credit cards are designed to help members effectively handle everyday expenses while offering rewards and benefits.

Loan Aggregator

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Call to Action

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.*

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 ensures that users receive fair and transparent offers. By relying on verified institutions, LendMesh maintains a high standard of accuracy in its loan comparisons.

Visions

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Community Focus

Mission Statement

Branch Location & Accessibility

Call Us Today!

Convenient Access

Operating Hours

Services Tailored for You

Member Eligibility

Business Banking & Commercial Services

Commercial Loan Options

Merchant Services

Comprehensive List Of Services

ATM Services

Business Banking Services

Convenient Digital Banking

Credit Options

Personal Banking Solutions

Digital & Online Banking

Key Features

Security and Accessibility

Financial Strength

Growing Membership Base

Investment in Member Services

Operational Efficiency

Secure Savings Options

Strong Financial Health

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Cards

Loan Aggregator

Benefits of Using LendMesh

Call to Action

Ensuring Accurate Loan Comparisons

Join Our Community