Credit union · NCUA insured
Visions Federal Credit Union Credit Card Rates
Visions Federal Credit Union credit cards start at 13.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Visions Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Binghamton, NY, where Visions Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Visions Federal Credit Union
13.75%APR
- Up to
- 18.00% APR
Visa Platinum
Lowest rate
GHS FCU
7.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Broadview Federal Credit Union
11.74%APR
- Up to
- —
Visions Federal Credit Union credit card score
64
Credit card score
Higher than 12% of U.S. banks and credit unions
- Purchase APRPurchase APR13.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Visions Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Elite Visa Signature
Credit Union membership is required with a $1 minimum deposit. Rates and credit limits ($5,000 to $30,000) are determined by creditworthiness. Variable rates may change monthly based on the applicable margin and index.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.75%–18.00% | None | Rates determined by creditworthiness. Variable rate subject to monthly change based on margin and index. |
Sources (2)
- visionsfcu.org/credit-cards · captured Sep 25, 2026
- visionsfcu.org/rates/credit-cards · captured Oct 8, 2026
Visa Platinum
Credit Union membership is required with a $1 minimum deposit. Rates and credit limits ($500 to $30,000) are determined by creditworthiness. Variable rates may change monthly based on the applicable margin and index.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75%–18.00% | None | Rates determined by creditworthiness. Variable rate subject to monthly change based on margin and index. |
Sources (2)
- visionsfcu.org/credit-cards · captured Sep 25, 2026
- visionsfcu.org/rates/credit-cards · captured Oct 8, 2026
Who can join Visions Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.