- While we’re certainly one-of-a-kind, we didn’t invent the co-op. Financial cooperatives and credit unions have been around since the 1800s, evolving with a shared set of principles that govern and guide like-minded companies around the globe. From our commitment to community, to our unique mission in financial services, to your relationship and role as a member – the Eight Cooperative Principles…, Voluntary and Open Membership, and, Member Economic Participation, . Voluntary and Open Membership “Credit unions are voluntary, not-for-profit financial cooperatives, offering services to people willing to accept the responsibilities and benefits of membership, without gender, social, racial, political, or religious discrimination.” – National Credit Union Foundation The primary principle of cooperatives worldwide, Voluntary and Open Membership proclaims…, membership eligibility, ? We’re glad you asked… As a cooperative, we can’t simply march into another credit union’s territory and compete with their charter. We serve communities that require our services, and our charters are the bylaws that define those communities. Sometimes, the field of membership is defined by territories, like Otsego County , NY or the City of Reading , PA. Other times, it’s defined by employment…, secondary membership, . That means if a person is eligible to become a Visions member, then everyone in that person’s immediate family and household is also eligible to become a member – voluntarily and without discrimination. Member Economic Participation “Members are the owners of their credit union and contribute to its capital. Members, not shareholders, benefit from their credit union’s profits in proportion to…, Members will benefit the most by increasing their participation, . For example, compare our checking accounts :, Flex Checking , Without meeting any minimum balance or prerequisites, members can enjoy a Flex Checking account with a complimentary debit card , a free box of standard checks per year, and no dividends. It’s an excellent checking option with no monthly fees., Flex Checking Plus, By increasing your participation, you could skip the $8 monthly fee* on our Flex Checking Plus and earn dividends on your checking balance, while also getting free money orders and official checks, free wire transfers, unlimited refunds on non-Visions ATMs, and more – and still receive the complimentary debit card ! Flex Checking Plus requires a $1,000 minimum account balance or an aggregate of $…, Explore our cooperative principles:, , Autonomy and Education, , Democracy and Community, Diversity, Equity, and Inclusion, , Cooperation Among Cooperatives, Membership and Participation
- While we’re certainly one-of-a-kind, we didn’t invent the co-op. Financial cooperatives and credit unions have been around since the 1800s, evolving with a shared set of principles that govern and guide like-minded companies around the globe. From our commitment to community, to our unique mission in financial services, to your relationship and role as a member – the Eight Cooperative Principles…, Diversity, Equity, and Inclusion, . Diversity, Equity, and Inclusion “Credit unions support diversity, equity, and inclusion as a shared credit union cooperative principle and continue to have a responsibility and take a leadership role in building and serving more diverse, equitable, and inclusive communities.” – National Credit Union Foundation (NCUF) The eighth and final cooperative principle – Diversity, Equity, and…, Explore our cooperative principles:, Autonomy and Education, , Democracy and Community, Diversity, Equity, and Inclusion, , Cooperation Among Cooperatives, Membership and Participation
- Finance with peace of mind using Debt Protection by TruStage., Between signing a new loan and paying it off, life can be unexpected. Debt Protection can provide financial security and peace of mind by covering certain financial challenges that may arise during the term of a loan. Here are the basics about your Debt Protection options at Visions – and why it matters. , Through our partnership with TruStage, we offer Debt Protection for most of our non-business loans., That means you can request coverage for Visions loan products from auto loans to home improvement loans , from credit cards to Readi Reserve lines of credit (learn about Overdraft Protection ), from Fixed Rate Home Equity Loans to Home Equity Lines of Credit (HELOCs), and more! , Debt Protection could cancel your loan payments or loan balances, up to contract maximums in the event of disability or involuntary unemployment, either for the primary borrower or for someone who is joint on the loan as a cosigner - or both! Life coverage could even cancel the remaining balance of your loan upon the borrower(s)’ death., When applying for an eligible loan, simply select your preferred Debt Protection coverage., These elections are voluntary, won’t affect your loan approval criteria, and fit into your total monthly loan payment. You can also change or cancel your coverage at any time., Here’s the coverage you could receive with Debt Protection:, LifePlus, can address a wide range of circumstances, including terminal illness, accidental dismemberment, hospitalizations, family medical leave, and the death of a non-protected dependent., Disability, coverage can cancel loan payments when a covered disability occurs due to illness or injury., Involuntary Unemployment, coverage can provide financial relief if an unexpected, covered job loss occurs., Single, coverage provides the elected Debt Protection for the primary borrower and eligible dependents, whereas, Joint, coverage extends the coverage to a cosigner on the loan. , The choice is yours., As you think about committing to a loan or line of credit, take a moment to reflect. With an unexpected drop in income, would you be able to continue your loan payments on time and maintain your standard of living? Similarly, if something unexpected happens to you, how will your loan impact your cosigners? If you feel uncertain about either outcome, then consider Debt Protection to safeguard your…, 800.242.2120, . Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt…
- Binghamton, NY – Community partner Visions Federal Credit Union has provided a $25,000 grant to the Astor D. Rice Foundation. The funds will help support and expand the foundation’s FACE program, Families Achieve Community Empowerment, which serves the community of East Middle School in Binghamton, NY. The FACE program is a 12-week opportunity for the families of middle school students during…, About Visions, Visions Federal Credit Union is a not for profit financial institution completely owned by its members. Established in 1966, Visions proudly serves over 250,000 members in communities throughout New Jersey, New York, and Pennsylvania. Services include banking as well as auto, home, personal, and business loans. Ref: Visions FCU press release, 2024.
- Binghamton, NY – Veterans, their families, service organizations, and community members are invited to attend our third annual Veterans Expo on November 4 th at the Visions Federal Credit Union Veterans Memorial Arena in Binghamton, NY. In partnership with the Arena, the event is being organized by Visions Federal Credit Union as a free community resource fair through the Visions Veterans Program…, About Visions Federal Credit Union, Visions Federal Credit Union is a not for profit financial institution completely owned by its members. Established in 1966, Visions proudly serves over 250,000 members in communities throughout New Jersey, New York, and Pennsylvania. Services include banking as well as auto, home, personal, and business loans. Ref: Visions FCU press release, 2024.
- Endwell, NY – Visions Federal Credit Union is proud to announce their sponsorship of para alpine skier Logan Knowles. The sponsorship will offset the athlete’s costs of equipment and training for Team USA as he aims to qualify for the next Winter Paralympic Games, Milano Cortina 2026. Knowles, who developed cerebral palsy at birth, is a professional para-athlete from Horseheads, NY. After…, About Visions, Visions Federal Credit Union is a not for profit financial institution completely owned by its members. Established in 1966, Visions proudly serves over 250,000 members in communities throughout New Jersey, New York, and Pennsylvania. Services include banking as well as auto, home, personal, and business loans. Ref: Visions FCU press release, 2024.
- Reading, PA – Alvernia University and Visions Federal Credit Union celebrate the expansion of their ongoing partnership with the unveiling of a new Financial Wellness Center in the university’s Bernardine Hall Commuter Lounge. A ribbon-cutting ceremony, held Thursday, marks an important step in the university’s efforts to enhance financial literacy as part of its ongoing commitment to fostering a…, About Visions, Visions Federal Credit Union is a not for profit financial institution completely owned by its members. Established in 1966, Visions proudly serves over 250,000 members in communities throughout New Jersey, New York, and Pennsylvania. Services include banking as well as auto, home, personal, and business loans. Ref: Alvernia University press release, October 2024.
