Visions Credit Union Johnson City NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Visions, your trusted partner in financial success located at 99 Lester Ave, Johnson City, NY 13790. With a rich history that dates back to 1966, we have proudly grown to serve over 258,519 members, providing a strong foundation for our community's financial needs. Our commitment to you is reflected in our impressive assets of over $5.26 billion, ensuring that we are well-equipped to help you achieve your financial goals. At Visions, we understand that banking is more than just transactions; it's about building relationships and supporting our members through every stage of life. We offer a comprehensive range of services, from checking and savings accounts to auto loans and business banking solutions. Whether you're looking to finance a new vehicle or save for a dream home, we have the resources and expertise to guide you. Our dedicated team, led by CEO Tyrone Muse and Board President Christopher Marion, is here to ensure that you receive personalized service with every interaction. With 885 employees working diligently across various roles, we pride ourselves on our ability to foster a welcoming environment where your financial aspirations can flourish. While members can visit us at our branch location, please note that official correspondence should be directed to 24 McKinley Ave, Endicott, NY 13760. For any inquiries or assistance, feel free to call us at (607) 797-2329 during our lobby hours from Monday to Friday, 9 AM to 5 PM. Join us today and experience the Visions difference where your financial future is our priority! Visit our website at Visions for more information or to get started on your journey with us.

Branch History & Mission

At Visions, we take pride in our rich history and the commitment we've shown to our members since our founding in 1966. Nestled in Johnson City, NY, at 99 Lester Ave, our branch has been a cornerstone of the community for over five decades. With a unique branch identifier of 22096, we have grown from humble beginnings into a trusted financial institution, now serving over 258,000 members and boasting total assets exceeding $5.2 billion. Our mission at Visions is straightforward: to provide exceptional financial services while supporting the communities we serve. We believe in putting people first our members and their families are at the heart of everything we do. Our financial offerings include personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards that help you achieve your financial goals. While members can visit us at 99 Lester Ave Johnson City NY 13790, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. This ensures that all communications are handled efficiently. Over the years, we have embraced advancements in technology to enhance our member experience. Our online and mobile banking platforms allow for easy access to accounts anytime and anywhere. Additionally, with ATM availability at our location and customer-centric services like e-statements and mobile payments, managing finances has never been easier. Community support is woven into our fabric. Through partnerships with local organizations and outreach efforts, we strive to make a positive impact on the lives of those around us. Our drive-thru service may not be available at this branch, but our dedicated staff is always ready to assist during operating hours from Monday to Friday, 9 AM to 5 PM. As we continue our journey forward in this evolving financial landscape, we invite you to join us at Visions. Experience firsthand how we can help you navigate your financial future while remaining committed to community growth and support. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Convenient Access and Features

At Visions, we prioritize accessibility for all our members. Our branch is designed to be welcoming, featuring ADA-compliant entrances and ramps to ensure everyone can easily access our services. Parking is available right outside, making it easy for you to pop in whenever you need assistance. While members can visit us at 99 Lester Ave, any official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760.

Operating Hours

We're open Monday through Friday from 9 AM to 5 PM, ready to serve you with a smile! Whether you're interested in personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our team is here during these hours to help you achieve your financial goals.

Services and Amenities

Though we do not offer drive-thru banking at this location, we provide convenient ATM services for quick cash withdrawals and balance checks. Our dedicated staff is always on hand to assist with everything from personal loans and credit cards with rewards to business banking solutions. Whether you're a long-time member or considering joining us, we invite you to visit Visions today or give us a call at 607-797-2329. We look forward to helping you with all your banking needs!

Member Eligibility

At Visions, we believe that everyone deserves a chance to be part of a caring community where your financial needs are understood and met. Becoming a member is simple and welcoming! If you're living, working, worshiping, or attending school in Broome County or the surrounding areas, you're likely eligible to join our family. We invite you to explore the various benefits that come with membership, such as competitive rates on loans and personalized service tailored just for you. For more specific eligibility details, feel free to visit our website at https://membership.visionsfcu.org/. Once you're ready to open your account, the process is straightforward. You can get started easily online by visiting https://digital.visionsfcu.org/visionsfcu/sdk/autoenrollmente2e, or if you prefer speaking with someone directly, don't hesitate to give us a call at (607) 797-2329. We're here to help you every step of the way as you take this exciting step toward joining Visions!

Business Banking & Commercial Services

Business 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

In addition to loans, our merchant services offer practical solutions that streamline everyday operations. Imagine a busy café in downtown Johnson City that needs quick payment processing options. Our services allow businesses to accept payments easily, whether it's through credit cards or mobile payments, ensuring customers have a smooth experience every time they visit. At Visions, we believe in building strong partnerships with local businesses. Let us help you unlock your potential and take your business to new heights! For more information, visit us at 99 Lester Ave Johnson City Ny 13790 or call us at (607) 797-2329.

Comprehensive List Of Services

Accessibility and Support

At Visions, we aim to make banking accessible for everyone. Basic ATM Access allows for quick withdrawals and balance checks without the hassle of long lines. Our friendly team is always ready to assist with any inquiries or support you may need along the way. We invite you to visit us at 99 Lester Ave Johnson City Ny 13790 or give us a call at (607) 797-2329 during our lobby hours from Monday through Friday, 9 am to 5 pm. Whether you're seeking personal finance advice or exploring business opportunities, our dedicated staff is here to guide you every step of the way. Join us today at Jc Pavilion where your financial journey begins!

Business Banking Services

If you're a business owner, Visions has your back too! Our Business Banking services include Merchant Services that help streamline transactions and Business Loans designed to support your growth and operations. We understand the challenges businesses face, and we're here to offer solutions that work for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide Online & Mobile Banking services that allow you to manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, staying on top of your finances has never been easier. Our ATM & Cash Withdrawal Services ensure that you have access to your money whenever you need it.

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, our personal banking options are designed with you in mind. With flexible account features, you can manage your money effortlessly. Our Auto Loans & Vehicle Financing make it easy to get behind the wheel of your dream car without breaking the bank. If homeownership is on your horizon, explore our Mortgage Loans & Refinancing services, which offer competitive rates and tailored solutions to fit your unique situation. For those unexpected expenses or to consolidate debt, our Personal Loans & Debt Consolidation options provide financial relief when you need it most. Plus, don't forget about our Credit Cards with Rewards these cards not only simplify purchases but also give you perks that enhance your everyday spending.

Digital & Online Banking

At Visions, we understand that managing your finances should be simple, safe, and available whenever you need it. Our digital and online banking services are designed with your convenience in mind, allowing you to handle your banking needs from the comfort of your home or on the go. With just a few clicks at https://www.visionsfcu.org/, you can access our 24/7 online banking services. Check your account balances, review transactions, and pay bills without stepping foot outside. Plus, our electronic signature authorization means you can sign documents quickly and securely without printing or mailing anything. Need to keep track of your spending? With e-statements available at Visions, you can view your statements online anytime no more waiting for paper statements to arrive in the mail. This not only helps the environment but also keeps your information safe and organized. For those who love using their smartphones, our mobile application makes banking even easier. You can make person-to-person transfers effortlessly, ensuring that sending money to friends or family is just a tap away. And if you're into mobile payments, you'll be pleased to know that we support this feature too allowing you to make purchases directly from your phone. At Visions, we prioritize both accessibility and security. Our user-friendly platform ensures that managing your accounts is straightforward and stress-free. Whether you're making a quick payment or checking on your savings, we're here to help you every step of the way. Explore all these features and more by visiting https://www.visionsfcu.org/. Experience the ease of digital banking with us today!

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 performance reflects our commitment to providing you with reliable services and support. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 supports members' financial goals across various sectors with $16,128 in used auto loans and a total of $3,514,973,030 in loans and leases. Our operational efficiency is reflected in our $0, which enables 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 99 Lester Ave Johnson City Ny 13790 or call (607) 797-2329 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Options

If you're looking for more ways to manage your finances, our total credit lines amounting to $1,280,192,479 can offer extra flexibility when unexpected expenses arise. Additionally, we provide refinancing options for many of our loan products, allowing you to adjust your payments or lower your interest rates when possible. At Visions, our goal is not just to provide loans but to create lasting relationships with our members. We want you to feel confident in your financial decisions. For more information on eligibility or how to apply for any of our loan products, feel free to reach out at (607) 797-2329, or visit us at our branch located at 99 Lester Ave Johnson City Ny 13790 in Johnson City, 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. We're here for you every step of the way!

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 a brand-new vehicle or a reliable used option, our flexible terms make financing straightforward and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand. We understand the unique challenges that businesses face and are committed to offering solutions that drive 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. We provide various mortgage solutions that can fit your budget and lifestyle, making it easier for you to own your dream home.

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 credit cards come with competitive rates and benefits designed to give you more control over your spending.

Loan Aggregator

Benefits of Using LendMesh

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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 that users receive fair and transparent offers. By pulling information from legitimate financial institutions, LendMesh guarantees that all loan offers are current and trustworthy.

Visions

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access and Features

Operating Hours

Services and Amenities

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Accessibility and Support

Business Banking Services

Digital Banking Convenience

Personal Banking Solutions

Digital & Online Banking

Financial Strength

Loan Offering

Additional Options

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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