Visions Credit Union Norwich NY | Top Checking & Auto Loans

Introduction

Welcome to Visions, your trusted credit union located at 5411 State Highway 12, Norwich, NY 13815. Since opening our doors in 1966, we have proudly served our community with a commitment to providing exceptional financial services tailored to meet your needs. With over 258,000 members and total assets exceeding $5.26 billion, we understand the importance of reliable banking that you can count on. At Visions, we believe that every member deserves personalized attention and support. That's why we offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our dedicated team of 885 employees, led by CEO Tyrone Muse and Board President Christopher Marion, is always ready to assist you with any financial questions or concerns. While members can visit us at our branch location, please note that official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760. We take pride in our transparency and are proud of our strong financial standing, with total deposits amounting to $368 million and net worth of $518 million. Our mission is not just about numbers; it's about making a positive impact in the lives of our members and the community. We offer various loan options with a total portfolio of over 159,000 loans and leases, ensuring you have access to the funds you need for your goals. We invite you to explore how Visions can help you achieve your financial dreams. Whether you're looking for a new vehicle or planning to buy a home, we're here for you every step of the way. Feel free to reach out by calling us at (607) 336-1250 or visit our website at www.visionsfcu.org for more information. Join us today and experience the difference that community-focused banking can make!

Branch History & Mission

Welcome to Visions, where our journey began in 1966 in the heart of Norwich, NY. Since then, we have grown from a small credit union into a trusted financial partner for over 258,000 members. Our commitment to our community and members has been unwavering, as we strive to provide exceptional financial services while nurturing strong relationships. Located at 5411 State Highway 12, our branch is easily accessible and surrounded by familiar landmarks that many in Norwich recognize. Whether you're looking to open a checking account or secure an auto loan, our friendly team is here to assist you. While members can visit us at this address for all their banking needs, official correspondence should be sent to 24 McKinley Ave, Endicott, NY 13760. At Visions, our mission is clear: we are dedicated to improving the financial well-being of our members and the communities we serve. We believe in empowering individuals through sound financial education and providing access to affordable services that meet their unique needs. With total assets exceeding $5.26 billion, we have the resources to support our members' dreams whether it's buying a new home, financing a vehicle, or planning for retirement. Our operating hours reflect our commitment to convenience; we're open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to noon. For those who prefer self-service options, we proudly offer ATM availability for quick withdrawals and balance checks. In addition to our robust suite of personal banking products including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards we are also committed to providing business banking solutions tailored for local entrepreneurs. Our online and mobile banking services allow members to manage their finances anytime, anywhere. As part of our mission, we actively engage in community outreach efforts and partnerships that make a real difference. We understand that supporting local initiatives enriches not only the lives of our members but also strengthens the fabric of Norwich itself. Join us at Visions today and experience the benefits of being part of a credit union that truly cares about your financial future. We invite you to explore how we can help you achieve your goals because together, we can build a brighter tomorrow! For more information or assistance, feel free to call us at 607-336-1250 or visit our website.

Branch Location & Accessibility

Convenient Access

Finding us is a breeze! Our branch is situated just off the main highway, making it simple to pop in for quick transactions or more in-depth consultations. We prioritize accessibility; our location is ADA compliant and features ramps to ensure everyone can visit us without hassle. Parking is available right outside, so you won't have to walk far. While members can visit us at 5411 State Highway 12, official correspondence should be sent to our mailing address at 24 McKinley Ave, Endicott, NY 13760.

Get in Touch

Have questions? Don't hesitate to give us a call at 607-336-1250. We're eager to help you navigate your financial journey. Come visit us today at Visions where your financial well-being is our top priority!

Services and Features

We offer a wide range of services tailored for personal and business banking alike. From checking and savings accounts to auto loans and credit cards with rewards, there's something for everyone. You can also take advantage of our ATM services for cash withdrawals and balance checks whenever you need them yes, we have ATM availability right here! Unfortunately, we do not have drive-thru banking at this location, but our team is ready and waiting inside to assist you directly.

Welcoming Hours

At Visions, we understand that your time is valuable. That's why our lobby hours are designed to fit your busy schedule: we're open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM until noon. Feel free to stop by during these hours, whether you need assistance with a new account or want to explore our loan options.

Member Eligibility

At Visions, becoming a member is like joining a warm and welcoming family that truly cares about your financial well-being. If you're interested in joining us at our Norwich location, just know that membership is open to anyone who lives, works, or worships in the area, as well as their immediate family members. This means you can enjoy all the perks of being part of our community, from personalized service to competitive rates on loans and savings accounts. To learn more about the specific eligibility criteria, feel free to check out our detailed guide at https://membership.visionsfcu.org/. Opening an account with us is a breeze! With just a few easy steps, you can start enjoying the benefits of membership right away. We're here to support you every step of the way. If you have any questions or need assistance, don't hesitate to reach out to us at (607) 336-1250. Join us today and discover how we can help you achieve your financial goals! For more information on opening an account, visit https://digital.visionsfcu.org/visionsfcu/sdk/autoenrollmente2e.

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine a world where managing your payments is simple and efficient. Our merchant services do just that. From accepting credit cards to online payment solutions, we ensure you can focus on running your business while we handle the transactions. This means more time for you to innovate, serve your customers, and grow your brand. Located at 5411 State Highway 12 Norwich Ny 13815, Norwich, NY 13815, we're here to empower your business every step of the way. Connect with us today at (607) 336-1250 to learn more about how we can support your business journey!

Tailored 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans provide competitive rates and flexible terms to help you drive away in the vehicle of your dreams. We understand that buying a car can be overwhelming, which is why our loan specialists will guide you through the financing process, ensuring you get the best deal possible.

Business Banking

For those running a business, we provide tailored solutions like merchant services and business loans. Whether you're just starting out or looking to expand, our team will work closely with you to ensure that all your business banking needs are met.

Convenient Access

We also pride ourselves on offering convenient ATM services for quick cash withdrawals and balance checks without the hassle of long lines. With (607) 336-1250 available for inquiries, our friendly staff is just a call away if you need assistance or have questions about any of our services. In addition, take advantage of our digital banking tools such as person-to-person payments and electronic signatures for added convenience. At Visions, we're committed to making your financial experience smooth and straightforward. Visit us at 5411 State Highway 12 Norwich Ny 13815 in Norwich, NY or check out our website at Norwich for more information on how we can serve you better. Your journey towards financial wellness starts here!

Credit Cards with Rewards

Our credit cards come with rewards that benefit you every time you use them. Whether it's cash back on everyday purchases or points for travel and other perks, you'll find that managing expenses has never been more rewarding.

Mortgage Loans & Refinancing

If homeownership is on your mind or you're considering refinancing your current mortgage, we've got you covered. Our mortgage loans are designed to suit various needs, whether you're a first-time buyer or looking to upgrade. We'll help simplify the process so you can focus on what really matters making your house a home.

Personal Banking

When it comes to personal banking, we offer a variety of options tailored for everyone. Whether you're looking to open a checking or savings account, our friendly team is ready to assist you in finding the right fit. Imagine being able to manage your money effortlessly with our online and mobile banking features. You can check balances, pay bills, and transfer funds from anywhere right from your smartphone!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where personal loans come into play. Need to consolidate debt? Our personal loans offer an easy way to streamline payments and potentially lower interest rates. Let us help you regain control over your finances.

Digital & Online Banking

Key Services Offered

With our online banking platform available at https://www.visionsfcu.org/, you can access your accounts 24/7. This means you can check balances, transfer funds, and pay bills anytime, anywhere. Plus, our mobile application ensures that all these features are also available on your smartphone, making it simple to stay connected with your finances while you're out and about. Security is a top priority for us. We offer electronic signature authorization, allowing you to sign documents quickly and securely without the need for physical paperwork. This not only speeds up processes but also keeps your information safe. You'll also appreciate the availability of e-statements. They provide an easy way to keep track of your transactions without cluttering your mailbox. You can review them whenever you need just another step towards making banking more efficient for you. Want to send money to friends or family? Our person-to-person transfer feature allows you to do just that with ease. You can send funds in real time, whether it's splitting a dinner bill or helping someone out in a pinch. And if you're looking for a quick and easy way to pay for everyday purchases, our mobile payments feature lets you make transactions directly from your phone. This streamlined process means you can leave your wallet behind while still having everything you need right in your pocket. At Visions, we're committed to providing user-friendly tools that enhance your banking experience while ensuring the utmost security. Explore all these features today and discover how easy managing your money can be!

Financial Strength

Commitment to Growth

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 your financial goals across various sectors, as shown by our $16,128 in used auto loans and $3,514,973,030 in total loans and leases.

Efficient Operations

Our operational efficiency is reflected in our $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.

Growing Member Base

We have a strong and growing member base that trusts us with their finances, as indicated by our total share accounts of 564,945. This reflects the trust you've placed in us as your credit union. 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 5411 State Highway 12 Norwich Ny 13815 or call (607) 336-1250 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.*

Secure Savings Options

Your savings are safe with us. 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.

Solid Foundation

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. This strength means we can confidently meet your financial needs today and into the future.

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 flexible terms and competitive rates tailored to fit your budget. Whether you're interested in a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Business Financing

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our commercial loan options can help facilitate your business aspirations. At Visions, we're committed to providing personalized service and support for all your lending needs. If you're interested in learning more about our loan offerings or eligibility options, don't hesitate to contact us at (607) 336-1250 or visit us at our branch located at 5411 State Highway 12 Norwich Ny 13815 in Norwich, 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. Let us help you take the next step towards achieving your financial dreams today!

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 aim to guide you through the mortgage process so that you can focus on what matters most your future home. Plus, if you're considering refinancing your current mortgage, we have options available that may help lower your monthly payments or reduce your interest rate.

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 various benefits designed to suit your spending habits while offering easy access to funds when you need them.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons through careful sourcing. Loan data on LendMesh is collected 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 to regulatory compliance guarantees that users receive fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means you can trust that the rates and terms presented are genuine. - No Sponsored Listings: Unlike some comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You'll see what's truly available without hidden agendas. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions quickly. You won't have to waste time sifting through outdated information. 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 speaks volumes about the effectiveness and reliability of the platform. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. *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

Branch Location & Accessibility

Convenient Access

Get in Touch

Services and Features

Welcoming Hours

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make Sense

Tailored Loan Options

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking

Convenient Access

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Services Offered

Financial Strength

Commitment to Growth

Efficient Operations

Growing Member Base

Secure Savings Options

Solid Foundation

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Accurate Loan Comparisons

Benefits of Using LendMesh

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