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

Introduction

Welcome to Visions, your trusted financial partner located at 205 Woodlawn Dr, Vestal, NY 13850. Established in 1966, our credit union has grown to serve a vibrant community of over 258,519 members. With total assets exceeding $5.26 billion, we pride ourselves on providing personalized services and solutions tailored to meet your unique financial needs. At Visions, we understand that banking is more than just transactions; it's about building relationships and empowering individuals. Our dedicated team, led by CEO Tyrone Muse and Board President Christopher Marion, is committed to ensuring that every member feels valued and supported. Whether you're looking for auto loans, mortgages, or personal banking services, our experienced professionals are here to guide you every step of the way. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: 24 McKinely Ave, Endicott, NY 13760. With total deposits amounting to $368 million and a net worth of $518 million, we have the resources to help you achieve your financial goals. Our commitment extends beyond numbers; we're invested in the community we serve. From supporting local events to offering educational resources, Visions strives to make a positive impact on the lives of our members. Feel free to reach out to us at 607-757-3509 for any inquiries or assistance. We invite you to explore our range of products and services by visiting our website at www.visionsfcu.org. Join us today and experience banking with a personal touch!

Branch History & Mission

Welcome to the story of Visions, a beacon of hope and support in Vestal, NY. Established in 1966, our branch has been dedicated to serving our community for over five decades. With a commitment to providing exceptional financial services, we have grown alongside our members, fostering relationships built on trust and collaboration. Located at 205 Woodlawn Dr Vestal Ny 13850, just a short distance from local landmarks, we are easily accessible for all your banking needs. While members can visit us at this location, official correspondence should be sent to 24 McKinely Ave, Endicott, NY 13760 if it differs from our branch address. Since opening our doors, Visions has evolved significantly, now boasting a total membership of 258,519. Our assets have grown to an impressive $5,261,855,076, reflecting our financial strength and stability. We strive to ensure that every member feels valued and supported in their financial journey. At the heart of our mission is a dedication to empowering individuals and families in our community. We provide a wide range of services including checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. Our goal is not only to offer these financial products but also to foster community growth through outreach programs and partnerships that uplift those around us. As we continue to embrace modern advancements, we prioritize making banking accessible for everyone. Our digital banking options allow you to manage your finances conveniently from anywhere. We are proud to be ADA compliant, ensuring that all members can access our services without barriers. Visions is more than just a place for transactions; it's a hub for connection and support. We believe in giving back, whether through local sponsorships or community service initiatives designed to make a difference in people's lives. We invite you to join us on this journey as we work together towards financial wellness and community empowerment. Experience the benefits of being part of Visions where your goals matter and your success is our priority. For inquiries or assistance, feel free to call us at (607) 757-3509 or visit during our operating hours: Monday through Friday from 11 AM to 1 PM. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to Visions at our cozy branch located at 205 Woodlawn Dr, Vestal, NY 13850. We're not just a credit union; we're your neighbors, committed to serving the Vestal community with dedication and care. Situated near popular local spots, we're easy to find and convenient for all your banking needs. If you need to send us official correspondence, please use our mailing address at 24 McKinely Ave, Endicott, NY 13760. Our branch is designed with accessibility in mind, ensuring that everyone can visit us comfortably. With parking available nearby and ADA-compliant features like ramps, we strive to make your experience as smooth as possible. We understand how busy life can be, which is why our lobby is open from 11 AM to 1 PM on weekdays. Whether you're stopping by for personal banking or exploring our auto loans and mortgage options, our friendly team is here to help during these hours. Unfortunately, we currently do not have an ATM or drive-thru service at this location. However, we offer a wide range of services including checking and savings accounts, vehicle financing, and business banking solutions tailored to meet your needs. If you have any questions or want to learn more about what we can offer you, don't hesitate to give us a call at 607-757-3509. We look forward to welcoming you soon!

Member Eligibility

At Visions, we believe that everyone deserves a supportive financial community. Becoming a member is easy and welcoming if you're living, working, or studying in the areas we serve, you likely qualify! We invite individuals who share our values of community and mutual support to join us. For detailed eligibility criteria, you can check out this helpful resource: https://membership.visionsfcu.org/. Joining us not only opens the door to a variety of banking services but also connects you with a network that prioritizes your financial well-being. Ready to take the next step? Opening an account at Visions is a straightforward process that can be done online or in person. Feel free to reach out to us at (607) 757-3509 if you have any questions or need assistance. We're located at 205 Woodlawn Dr Vestal Ny 13850, and our friendly team is here to help you every step of the way!

Business Banking & Commercial Services

At Visions, we understand that running a business is both rewarding and challenging. Every entrepreneur dreams of growth, and we're here to help turn those dreams into reality. Our commercial loan options are designed to support businesses like yours at every stage. Imagine needing funds to purchase new equipment or expand your operations. With our tailored financing solutions, you can access the capital you need to move forward confidently. 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. Additionally, our merchant services make everyday transactions easier, allowing you to focus on what matters most growing your business. Whether it's processing payments swiftly or managing cash flow efficiently, we provide the tools that make financial management simpler. Join us at 205 Woodlawn Dr Vestal Ny 13850 in Vestal, NY, where we empower local businesses every day!

Comprehensive List Of Services

Additional Services

While we don't currently offer ATM services at this branch, we're committed to ensuring that all cash withdrawal needs are met through partnerships within the community. We're always looking for ways to enhance convenience for our members. At Visions, we believe that exceptional service means being available when you need us most. Our lobby hours from Monday through Friday make it easy for you to visit us during the day. For any questions or assistance, feel free to reach out at (607) 757-3509. We're excited about helping you achieve your financial goals! Visit us today at 205 Woodlawn Dr Vestal Ny 13850 or check out more information on our website at Vestal Hs. Join the community of satisfied members who trust us with their financial futures!

Business Banking Services

For local entrepreneurs and businesses, Visions offers robust business banking services including merchant services and business loans. We understand that running a business requires financial support that is not only reliable but also easy to access. Our team is ready to assist you in finding the right solutions to help your business thrive.

Digital Banking Convenience

In addition to our in-branch services, we pride ourselves on offering modern conveniences through online and mobile banking platforms. With features like mobile payments and person-to-person transactions, managing your money has never been more convenient. You can access your accounts anytime, anywhere making it easier for you to stay on top of your finances without having to visit us in person.

Personal Banking Solutions

Managing your personal finances has never been easier with our comprehensive banking options. We offer checking and savings accounts that cater to various lifestyles and preferences. If you're planning to buy a car, our auto loans and vehicle financing solutions can get you on the road quickly and affordably. For those considering homeownership or refinancing, our mortgage loans come with competitive rates designed to fit your budget. In today's world, it's important to have flexible borrowing options. That's why we provide personal loans and debt consolidation services that help you manage expenses and streamline payments effectively. Plus, our credit cards come with rewards that make every purchase more rewarding.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.visionsfcu.org/, you can manage your accounts at any time from the comfort of your home or on the go. Whether you're checking balances, transferring funds, or paying bills, everything is just a few clicks away. The user-friendly interface ensures that even those who aren't tech-savvy will find it easy to navigate.

Go Paperless with E-Statements

Say goodbye to paper clutter! With e-statements available, you can view your account statements online whenever you need them. This eco-friendly option not only reduces waste but also gives you easy access to your financial records whenever you want.

Mobile Banking at Your Fingertips

Our mobile application makes banking even more convenient. You can easily send money through person-to-person transfers, making it simple to split bills with friends or family. Plus, if you love using mobile payments, you'll be happy to know we support that too! Pay securely right from your phone. At Visions, we're committed to providing you with the tools you need for real-time account management in a safe environment. Experience the freedom and ease of digital banking today!

Stay Secure with Electronic Features

We know how important security is when it comes to managing finances online. That's why we offer electronic signature authorization to make transactions not only secure but also hassle-free. You can confidently sign documents digitally without having to visit a branch, saving you time and effort.

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 commitment to growth is evident with $16,128 in used auto loans and $3,514,973,030 in total loans and leases; our lending capacity supports members' financial goals across various sectors.

Growing Member Base

As of now, we have a total of 564,945 share accounts, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $22,062,725, your money is working harder for you here at Visions. 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 205 Woodlawn Dr Vestal Ny 13850 or call (607) 757-3509 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.*

Operational Efficiency

Our financial success is also reflected in our operations. The current $0 signifies our efficiency and ability to continue providing competitive loan rates and solid financial products for our members. We take pride in having 825 full-time employees and 60 part-time employees dedicated to serving you with a knowledgeable team ready to assist you.

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.

Solid 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. Whether you're interested in a brand-new model or a reliable used vehicle, our flexible financing options can help you drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $441,123,035 provide the capital needed to grow and expand. We understand that every business has its own set of challenges and opportunities; thus, we tailor our solutions to fit your specific needs.

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 offer competitive rates and terms that suit various budgets and lifestyles. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for new ones, we encourage you to reach out to us at (607) 757-3509. Our dedicated team will assist you in finding the best solutions tailored specifically for you. At Visions, we're committed to making your borrowing experience as straightforward and beneficial as possible. For more information on how we can assist you or to apply for a loan today, visit us at 205 Woodlawn Dr Vestal Ny 13850 in Vestal, NY, or check out 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 achieving your financial goals!

Unsecured Credit Cards

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 low-interest rates, providing you with the purchasing power you need while keeping your budget in check.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help users make informed decisions without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons by sourcing data 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 using verified data guarantees that users receive fair and transparent offers tailored to their needs. One of the standout features of LendMesh is its dedication to transparency. All loan offers are sourced from legitimate financial institutions, ensuring that users have access to verified data. Moreover, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings here. The goal is to provide unbiased results that reflect the best options available in the market. With real-time rate comparisons, users can view up-to-date loan rates from multiple institutions at a glance. This functionality allows individuals to quickly identify which loans meet their requirements, helping them save time and money in the process. 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!" Such testimonials highlight the effectiveness of LendMesh as a reliable tool for securing favorable loan terms. 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

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Comprehensive List Of Services

Additional Services

Business Banking Services

Digital Banking Convenience

Personal Banking Solutions

Digital & Online Banking

Access Anytime, Anywhere

Go Paperless with E-Statements

Mobile Banking at Your Fingertips

Stay Secure with Electronic Features

Financial Strength

Commitment to Growth

Growing Member Base

Operational Efficiency

Secure Savings Options

Solid Financial Health

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Refinancing Options

Unsecured Credit Cards

Loan Aggregator

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