Visions Credit Union Ithaca NY | Low Mortgage Rates & Auto Loans

Introduction

At Visions, we understand that your financial journey is unique, and we're here to support you every step of the way. Located at 408 Elmira Rd, Ithaca, NY 14850, our branch has been a trusted part of the community since 1966. With a strong commitment to serving our 258,519 members, we are proud to offer a range of services tailored to meet your needs. As a cornerstone of financial stability in Ithaca, we manage over $5.26 billion in assets and ensure that our members have access to safe and reliable banking solutions. With total deposits reaching $368,430,335, we prioritize your security while striving for growth together. Our dedicated team, led by CEO Tyrone Muse and Board President Christopher Marion, works tirelessly to create an environment where everyone feels valued and understood. We employ 885 staff members who are always ready to assist you with anything from personal banking and auto loans to business services and online banking. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 24 McKinley Ave, Endicott, NY 13760. Your financial wellness is important to us; that's why we maintain a cash reserve of $40,393,986 on hand to ensure your needs are met promptly. Whether you're looking for a loan of which we have processed a remarkable 159,779 or considering saving for the future with our numerous deposit options, Visions is here to provide guidance and support. We invite you to explore what makes us different. Visit our website at visionsfcu.org or give us a call at 607-377-0459. Come see how we can help you achieve your financial goals!

Branch History & Mission

Visions Credit Union has a rich history of serving the Ithaca community since it opened its doors in 1966. Located at 408 Elmira Rd, Ithaca, NY 14850, our branch has grown alongside the vibrant community it serves. With a commitment to providing exceptional financial services and fostering meaningful relationships, Visions has become a trusted partner for over 258,000 members. From humble beginnings, Visions has continuously evolved to meet the changing needs of its members. With total assets exceeding $5.2 billion, we have established ourselves as a leader in the financial sector while maintaining our focus on community support and individual empowerment. Our mission is simple yet profound: we strive to enhance the financial well-being of our members through accessible products and services that reflect their unique needs and aspirations. While members can visit us at our branch location on Elmira Rd, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. This ensures that we can promptly respond to your inquiries while keeping your information secure. At Visions, we believe that banking should be about more than just transactions; it's about building trust and supporting each other in achieving goals. Our operating hours are designed with convenience in mind Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM making it easy for you to connect with us when you need assistance. As part of our commitment to innovation, we offer a range of digital banking services including online banking, mobile payments, and person-to-person transfers. We also have an ATM available for easy access to your funds anytime you need them. Community outreach is at the heart of what we do. We engage in numerous partnerships aimed at uplifting local initiatives and supporting those in need. Whether through financial education programs or sponsorships of local events, Visions remains dedicated to making a positive impact in Ithaca and beyond. Join us at Visions Credit Union and experience the difference that comes from being part of a member-focused organization that truly cares about your financial journey. Together, let's build a brighter future! If you're interested in becoming a member or learning more about our services, visit us online at Visions FCU or call us at 607-377-0459 today!

Branch Location & Accessibility

Accessibility and Parking

We prioritize accessibility for all our members. Our branch is ADA compliant and features ramps for easy access. Parking is available right outside the entrance, ensuring that you can get in and out quickly.

Operating Hours

At Visions, we understand that convenience is key. Our lobby hours are designed to fit your busy schedule open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. We're here when you need us!

Services Offered

Our Ithaca branch offers a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Plus, with our ATM on-site, withdrawing cash or checking your balance is just a few steps away. While we currently do not have drive-thru banking or shared service centers available at this location, our dedicated team is always ready to assist you inside the branch. Feel free to reach out at 607-377-0459 if you have any questions or need assistance before visiting. We invite you to come by and experience the welcoming environment at Visions in Ithaca today!

Member Eligibility

Joining the vibrant community at Visions is an exciting step toward better financial health and support. If you're looking to become a member, it's great to know that eligibility is open to individuals who live, work, worship, or attend school in specific areas, among other criteria. This inclusivity makes it easy for many people to join our family! By becoming a member of Visions, you'll not only gain access to a wide array of financial services tailored just for you but also enjoy benefits like lower loan rates and personalized customer service. If you're interested in learning more about the specific eligibility requirements, feel free to check out this resource: https://membership.visionsfcu.org/. Getting started is simple! You can easily open an account online by visiting https://digital.visionsfcu.org/visionsfcu/sdk/autoenrollmente2e or give us a call at (607) 377-0459 if you have any questions. We're here to help you every step of the way as you embark on your journey with us at our Ithaca branch located at 408 Elmira Rd Ithaca Ny 14850. Welcome aboard!

Business Banking & Commercial Services

Merchant Services Tailored for You

Imagine having a reliable partner that helps you manage transactions smoothly. Our merchant services provide easy payment processing options that fit your business model, whether you run a retail store or an online shop. From credit card processing to digital payments, we ensure that you can focus on what matters most serving your customers and growing your business. Visit us at 408 Elmira Rd Ithaca Ny 14850, Ithaca, NY, or call us at (607) 377-0459 to learn more about how we can support your business goals!

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

Business Banking Support

For our business members, we offer tailored solutions such as merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, our team is ready to assist with products designed specifically for small businesses.

Digital Banking Convenience

In today's fast-paced world, we know how important it is to have banking at your fingertips. That's why we provide robust online and mobile banking services. From checking balances and transferring funds to making payments on-the-go, managing your finances has never been easier. You can also utilize our ATM services for cash withdrawals and balance checks whenever you need them.

Home Financing Solutions

For those dreaming of homeownership, our mortgage loans and refinancing options are crafted with flexibility in mind. We take the time to guide you through the process, ensuring that you find a mortgage solution that fits your budget and lifestyle. Our experienced team is here to answer any questions you may have along the way.

Join Us Today!

At Visions, we're committed to making banking convenient and accessible for all our members. With our friendly staff ready to assist you and multiple ways to manage your finances digitally, we invite you to visit us at 408 Elmira Rd Ithaca Ny 14850 or give us a call at (607) 377-0459. Explore how our comprehensive range of services can make a positive impact on your financial journey today!

Personal Banking Made Easy

We offer various personal banking options that make it easy for you to manage your money. Our checking and savings accounts come with features designed for convenience, allowing you to access your funds whenever you need them. If you're considering purchasing a new car, our auto loans and vehicle financing services provide competitive rates that can help you get behind the wheel without breaking the bank.

Personal Loans & Credit Cards

Life can sometimes throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We help simplify your finances by offering solutions that can consolidate high-interest debts into one manageable payment. Plus, don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases.

Digital & Online Banking

Explore Our Services

With our online banking platform, you can easily access your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, it's all right at your fingertips. You can also take advantage of our electronic signature authorization, making it simple to sign documents without the hassle of printing or mailing. Our e-statements provide a paperless way to keep track of your transactions, helping you stay organized while doing your part for the environment. Plus, with our mobile application, managing your account on the go has never been easier. You can download it today and enjoy features like mobile payments, allowing you to make purchases directly from your phone.

Stay Connected and Secure

We know security is a top priority for you. That's why at Visions, we employ advanced security measures to protect your information. Our person-to-person transfer feature makes sending money to friends and family a breeze no cash needed! Just a few taps in our app or online banking portal will get it done safely. Accessibility is key in today's fast-paced world, and we strive to make banking easy for everyone. With real-time account management tools, you'll always be in control of your finances. So whether you're at home or on the move, Visions is here to help you bank smarter. Visit us today at https://www.visionsfcu.org/ to learn more about how our digital banking services can enhance your experience!

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 our robust financial position, which underscores our commitment to you. 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. 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. 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 lending capacity is reflected in the $16,128 in used auto loans and $3,514,973,030 in total loans and leases, supporting members' financial goals across various sectors. 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. Net Shares (Funds available for lending and investments): $22,062,725. Total Share and Deposit Accounts: 564,945, showing a strong and growing member base that trusts us with their finances. 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 408 Elmira Rd Ithaca Ny 14850 or call (607) 377-0459 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

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. Our financing options are flexible and tailored to meet your specific needs.

Business Financing

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand. We're here to support local businesses with tailored lending solutions that fit their specific challenges and opportunities. At Visions, we also offer refinancing options for those looking to lower their monthly payments or consolidate debt. If you're interested in exploring eligibility options for any of our loan products, please don't hesitate to reach out. For more information or to get started on your application, contact us at (607) 377-0459 or visit us at our branch located at 408 Elmira Rd Ithaca Ny 14850 in Ithaca, 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. Your journey towards financial wellness starts here!

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 strive to provide competitive rates and personalized service throughout the mortgage process.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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 option provides you with the flexibility you need while also allowing you to build your credit history.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve your best interests. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions empower users to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to discover the best rates available? 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 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 fair and transparent offers for all users. With LendMesh, you can trust that the information you receive is both accurate and up to date.

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

Member Eligibility

Business Banking & Commercial Services

Merchant Services Tailored for You

Supporting Your Business Growth

Comprehensive List Of Services

Business Banking Support

Digital Banking Convenience

Home Financing Solutions

Join Us Today!

Personal Banking Made Easy

Personal Loans & Credit Cards

Digital & Online Banking

Explore Our Services

Stay Connected and Secure

Financial Strength

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

Join Our Community