Credit union · NCUA insured
Visions Federal Credit Union
A $5.3B credit union, the 81st largest of 4,329, headquartered in Endwell, NY, with 251,746 members and 59 branches in 3 states. Best rates: savings 1.00% APY.
Visions Federal Credit Union Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#6 of 10 in Binghamton, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Visions Federal Credit Union
Founded in 1966 by eight IBM workers, Visions Federal Credit Union is a member-owned not-for-profit financial cooperative.
The credit union serves more than 250,000 members across over 60 branches in three states.
- Headquarters
- 3301 Country Club Rd, Endwell, NY 13760-3401
- NCUA charter
- 17429
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Individuals are eligible for membership if their parents or siblings (immediate family) are already members at Visions.
Cost to join
- Visions membership requires a $1 minimum deposit for lifetime membership.
Branches
59 branches in 3 states
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New York
33 branches
Binghamton area · 23
- Credit Union CenterMain office3301 Country Club Rd, Endwell, NY 13760Directions
- Apalachin8836 State Route 434, Apalachin, NY 13732Directions
- Boces435 Glenwood Rd, Binghamton, NY 13905Directions
- Binghamton East495 Court St, Binghamton, NY 13904Directions
- Binghamton HS31 Main St, Binghamton, NY 13905Directions
- Binghamton North1235 Upper Front St, Binghamton, NY 13905Directions
- Binghamton University4400 Vestal Pkwy E, University Union West, Binghamton, NY 13902Directions
- Metro Center49 Court St, Binghamton, NY 13901Directions
- SUNY Broome5 S College Dr, Binghamton, NY 13905Directions
- Seton Catholic HS68 Seminary Ave, Binghamton, NY 13905Directions
- McKinley24 McKinley Ave, Endicott, NY 13760Directions
- Union-Endicott HS1100 E Main St, Endicott, NY 13760Directions
- ME High School750 Farm to Market Rd, Endwell, NY 13760Directions
- Harpursville HS54 Main St, Harpursville, NY 13787Directions
- JC Pavilion99 Lester Ave, 100 Pavilion Rd, Johnson City, NY 13790Directions
- Newark Valley7198 St Rt 38, Newark Valley, NY 13811Directions
- Newark Valley HS68 Wilson Creek Rd # 2601, Newark Valley, NY 13811Directions
- Owego26 Day Hollow Rd, Owego, NY 13827Directions
- Spencer95 Orchard St, Spencer, NY 14883Directions
- Town Square2521 Vestal Pkwy E, Vestal, NY 13850Directions
- University Center4700 Vestal Pkwy E, Vestal, NY 13850Directions
- Vestal HS205 Woodlawn Dr, Vestal, NY 13850Directions
- Windsor HS1191 State Route 79, Windsor, NY 13865Directions
Syracuse area · 2
- Cicero5788 E Circle Dr, Cicero, NY 13039Directions
- Syracuse500 Erie Blvd E, Syracuse, NY 13202Directions
Elmira area · 2
- Elmira303 N Main St, Langdon Plaza, Elmira, NY 14901Directions
- Horseheads1631 County Route 64, Southern Tier Crossing, Horseheads, NY 14845Directions
Cortland area · 1
- Cortland141 Clinton ave, Cortland, NY 13045Directions
Ithaca area · 1
- Ithaca408 Elmira Rd, Ithaca, NY 14850Directions
Norwich area · 1
- Norwich5411 State Highway 12, Norwich, NY 13815Directions
Oneonta area · 1
- Oneonta5001 State Highway 23, Suite 5, Oneonta, NY 13820Directions
Rochester area · 1
- Rochester1130 E Main St, Rochester, NY 14609Directions
Watkins Glen area · 1
- Watkins Glen513 E 4th St, Watkins Glen, NY 14891Directions
New Jersey
16 branches
New York area · 14
- Augusta47 US Highway 206 Ste 1, Augusta, NJ 07822Directions
- Dumont5 Washington Ave, Dumont, NJ 07628Directions
- Englewood Cliffs120 Van Nostrand Ave, Englewood Cliffs, NJ 07632Directions
- Fairfield653 US Highway 46, Fairfield, NJ 07004Directions
- Manchester Regional HS70 Church St, Haledon, NJ 07508Directions
- Leonia HS100 Christie Heights St, Leonia, NJ 07605Directions
- Mahwah1 Lethbridge Plz, Mahwah, NJ 07430Directions
- Morris Plains140 Speedwell Ave, Morris Plains, NJ 07950Directions
- Jefferson Township HS1010 Weldon Rd, Oak Ridge, NJ 07438Directions
- Oakland3 Post Rd, Oakland, NJ 07436Directions
- Randolph1240 Sussex Tpke, Randolph, NJ 07869Directions
- Ridgewood179 E Ridgewood Ave, Ridgewood, NJ 07450Directions
- Saddle Brook250 Pehle Ave, 80 West Plaza 2, Saddle Brook, NJ 07663Directions
- Westwood78 Washington Ave, Westwood, NJ 07675Directions
Allentown area · 2
- Hackettstown68 US Highway 46 W, Hackettstown, NJ 07840Directions
- Washington Township5 Club House Dr Ste 9, Washington, NJ 07882Directions
Pennsylvania
10 branches
Reading area · 5
- Downtown Reading35 N 6th St, Reading, PA 19601Directions
- Exeter4655 Perkiomen Ave, Reading, PA 19606Directions
- Shillington600 E Lancaster Ave, Shillington, PA 19607Directions
- Muhlenberg4245 5th Street Hwy, Temple, PA 19560Directions
- West Lawn2104 Van Reed Rd, West Lawn, PA 19609Directions
Allentown area · 2
- Allentown27 N 7th St, Ste 110, Allentown, PA 18101Directions
- Bethlehem2174 W Union Blvd, Bethlehem, PA 18018Directions
Sayre area · 2
- Sayre2121 Elmira St, Sayre, PA 18840Directions
- Wysox232 Ennis Ln, Bradford Town Center Plaza, Towanda, PA 18848Directions
Montrose area · 1
- Montrose Branch16909 State Route 706, Montrose, PA 18801Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.00% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.89% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.61% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $71 | $88 | — |
- CapitalNet worth ratio10.00%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.89%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.61%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$71Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Visions Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.