- Digital banking is currently experiencing intermittent issues with Secure Access Codes being delivered. We are working to resolve this as soon as possible. We apologize for any inconvenience.
- Digital Banking is experiencing Device Registration and Secure Access Code (SAC) delivery issues. Mobile users who are unable to proceed past the SAC screen should, update, the Visions FCU Mobile app to resolve the issue. For more information, navigate to https://visionsfcu.org/digital . We apologize for any inconvenience.
- Endwell, NY – To enhance accessibility of branch services, Visions Federal Credit Union is planning to pilot a device titled "Badger" at select locations. Developed by Satellite Displays, Inc. , Badger is a smart device that can provide closed captions for conversations in real time. The size of a traditional name badge – and functioning as such when not in use – the device receives audio and…, About Satellite Displays, Satellite Displays' purpose is to improve communication through innovation. We created Badger, the world's first closed captioning smart badge to convert speech to text in real time. Badger also translates speech to many languages. We are inspired to help all people overcome communication barriers. Whether you are deaf, have hearing loss, speak a different language or are wearing a mask, Badger…, 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, 2023. View recent news.
- , Quarter 4, 2023.12.16 Visions’ Project Education Supports the New Jersey Education Association 2023.11.20 Visions Branch in Downtown Reading is Open for Business 2023.10.12 Visions Cuts Debt for 100 Educators Visions Cuts Debt for 100 Educators, Quarter 3, 2023.09.01 Visions Branches to Pilot Wearable Closed Captioning Device 2023.08.28 Visions and SU Partner for Student Vets 2023.08.22 Visions Introduces New Financial Wellness Centers in NJ Schools Visions Introduces New Financial Wellness Centers in NJ Schools 2023.08.15 Global Women's Leadership Network Chapter Returns to New Jersey Global Women's Leadership Network Chapter Returns to New…, Quarter 2, 2023.06.12 Visions Grows Beyond 250K Members 2023.06.02 Summer Events at Ithaca Amphitheater 2023.05.26 Visions Hosts Students and NFL Players at Financial Literacy Conference 2023.05.05 Visions Receives CUNA Diamond Award for Financial Education 2023.04.20 Visions Hires Community Development Manager 2023.04.19 Visions Contributes $10 Million in Ten Years, Quarter 1, 2023.03.28 Visions Builds New Branch in Newark Valley 2023.03.24 Visions Holds 57th Annual Meeting 2023.02.16 Visions Employees Show Generosity in Annual Season of Giving 2023.01.30 Visions Set to Open New Branch in Oneonta, NY
- First-time buyer?, Excellent idea! Homeownership is an excellent long-term investment. Once you've decided that it's time to take the leap to homeownership, there are a few things to keep in mind. Review your existing debt load. What are your current monthly payments? Student loans, credit cards, and other debt can deter you from getting an approval due to a high debt-to-income ratio. If you can, pay off debt or…, It's essential that first-time homebuyers know what they can afford., Use your rent payment as a measuring stick, but don't forget you'll be responsible for unexpected expenses (e.g. repairs) that your landlord may be covering now. There are also budgeting tools you can utilize to determine affordability. If you're not sure how much you can afford and want to take your first step, stop into your local Visions branch for a pre-qualification. Next steps. Once you…, Ready to apply?, Apply now!
- (The Seventh is Through the Front Door), Whether you're a first-time homebuyer or seasoned homeowner, purchasing a new place to live can be an exciting time. It can also be a little stressful. The friendly experts at Visions can help take some of the pain out of the home-buying process with these simple steps., Clean up your credit., Credit is always king, but it takes center stage during the mortgage process. Paying down your credit card balances, consolidating your debts , and getting rid of any derogatory marks will get both your credit score and debt-to-income ratio in better standing. Need support with this step? We offer free credit counseling . , Prequalify., Stop into one of Visions' convenient branches with 30 days of pay stubs, two years of W-2s or tax returns, and two months of bank statements. Prequalification is free for Visions members, helps you set a realistic price, and lets sellers know you're serious. , Start shopping., You're ready – congratulations! It's a big decision, but a lot of fun to see how your dreams take shape. , Apply for a loan., Call 800.242.2120 to schedule an interview or apply online. , Wait a little., Our mortgage processors will order a flood certification, an appraisal to determine the market value of the property, and a credit report. Upon approval, the mortgage department will issue a commitment letter agreeing to finance your home, which you should receive in seven to 10 business days after your mortgage file is processed. Review it with your attorney, sign it, and return it as soon as…, Close., The closing is the meeting where the credit union issues your mortgage, property ownership is transferred to you, and you get the keys. Visions prepares a closing checklist so you can work with your attorney to make sure nothing delays the process. In addition, Visions' mortgage process is designed with you in mind. Whether you're concerned with down payments or if it's your first time in the…, Useful Mortgage Resources:, Mortgage Rates – Browse mortgage rates for various mortgage products. Loan and Savings Calculators – Crunch the numbers. How much home can you afford? What should your down payment be? Mortgage Products - Browse mortgage products. Mortgage Application - Are you ready for the next step? Apply for a mortgage or prequalification .
