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About Us

Visions Federal Credit Union is a not-for-profit financial institution, completely owned by its members.

Founded in 1966, our roots are rich with IBM history. Our footprint has expanded through the years to include offices in communities throughout New Jersey, New York, and Pennsylvania.

Visions is a strong, stable credit union offering a wide variety of quality financial services. Think of us as more than your financial institution. We're your trusted partner and we want to help you succeed.

It is our intent to offer the products and services which will make your life easier - today, tomorrow, and always. We provide you with a safe place for your money to grow; your first car loan; funds to start a new business; a mortgage for the house of your dreams - and more!

Our staff, managers, directors, and supervisory committee are dedicated to providing you the best member service at every interaction. We believe in "people helping people" and your business is important to us and greatly appreciated.

Welcome to Visions, we're glad to have you!

Vital data

Headquarters: Endwell, NY
Assets: $3.4 billion
Branches: 39
ATMS: More than 100
Members: 175,000
Founded: 1966
Employees: 397 full-time, 65 part-time

Vital data reported as of 02/01/15

Board of Directors

Visions Board of Directors

click for larger image

Supervisory Committee

Our five-member Supervisory Committee are all volunteers appointed by the Board of Directors to assure that the Board of Directors and management establish practices and procedures to safeguard members' accounts and credit union assets.

The committee arranges for independent internal audits, verification of member statements, reviews of internal controls, and a CPA financial audit. A committee member also attends the monthly Board of Directors meeting.

A special post office box has been established for members to report perceived credit union violations of rules and policies, unethical behavior, disagreement on account balances, or complaints that were not fully resolved to member satisfaction.

Supervisory Committee
P.O. Box 458
Endicott, NY 13760

Community Involvement

2014 United Way Day of Caring

2014 United Way Day of Caring

Our team of Visions employees volunteered at the Boys and Girls Club of Binghamton on Friday, September 12th for the 2014 United Way Day of Caring.

2014 ALS Ice Bucket Challenge

2014 ALS Ice Bucket Challenge

Visions FCU was challenged by Hudson Valley Federal Credit Union to do the ALS Ice Bucket Challenge. We accepted, and challenged GHS Federal Credit Union, Horizons Federal Credit Union, and Corning Credit Union.

2014 May Chow Garden

2014 May Chow Garden

Throughout the summer, Visions employees helped to plant, weed, and harvest different crops at the CHOW Farm for local food pantries.

2014 Newark Valley Parade

2014 Newark Valley Parade

The Newark Valley Parade took place on August 16th, 2014 with Kirby Kangaroo and a group of Visions employees and family members.

2014 Food Bank Donation

2014 Food Bank Donation

Visions employees raised money through their annual employee picnic fundraisers to donate to the Food Bank of the Southern Tier.

Bradford County YMCA Healthy Kids Day

Bradford County YMCA Healthy Kids Day

Barbara Kropelnicki, branch manager of the Wysox office, took part in the YMCA Healthy Kids Day on Saturday, April 26th at the Bradford County YMCA in Towanda, PA. The goal of Healthy Kids Day is to provide children with healthy and fun activities to stimulate the body and mind to promote well-being. Teaching the youth in our communities the importance of saving and understanding finances from a young age can make a huge impact, and our Kirby Kangaroo Club makes it fun! The Bradford County event had 242 attendees and included quality information, games, snacks, and activities to get kids excited for summer.

March of Dimes

March of Dimes

The 2014 March of Dimes Walk took place on Sunday, April 27th at Darlington Park in Mahwah, NJ. Pictured above are some of the 20+ employees (plus friends and family) who walked on the Visions team. The Visions team donated $4,548 to this worthy cause!

Visions is pleased to announce that Chris Gomez, AVP Regional Member Service Officer in NJ, has been selected to serve as the chairman of the 2015 March of Dimes Campaign.

Canstruction of the Southern Tier 2014

Canstruction of the Southern Tier 2014

Visions FCU sponsored and participated in the first annual Canstruction of the Southern Tier event on March 23, 2014 at the Oakdale Mall in Johnson City, NY. Ten teams from local businesses and organizations created structures using cans to raise awareness about hunger in the area. The cans were then donated to CHOW (Community Hunger Outreach Warehouse) and the Food Bank of the Southern Tier to be used to feed families and children struggling with hunger.

The Visions team created a backpack and cans out of healthy foods such as black beans, peas, corn, and chicken broth to reflect their involvement in the Backpack Program, which provides food for students to eat over the weekend.

Pictured above (left to right) are Visions employees: first row – Lindsey Fiala, Jordan Fairchild; second row – Stefanie Kermidas, Kevin Mundt, Donna Rolls, Tim Strong.

NJ Food Drive Benefits Center for Food Action

NJ Food Drive Benefits Center for Food Action

During the month of February, a food drive was held in all six of our NJ locations. As a result, nearly 350 pounds of food were donated to the Center for Food Action in New Jersey. Thank you to everyone who donated to help make a difference!

Pictured above (left to right) are Visions employees: Tiffany Thomas, Donna Gangemi, Lisa Caruso, Adean Ford, Diana Spliedt, Laurie Morano, and Tammy Lamazza.

Trivia Night in Owego

Trivia Night in Owego

The Owego Apalachin Foundation For Excellence in Education held their annual trivia night fundraiser in March. Visions had two teams in the competition and while neither team took home the top prize they had a lot of fun supporting a great cause!

Pictured above (left to right) are Visions employees: front row - Dijana Caister, Miranda Strong, Leslie Cornelius, Sue Sanguinito; second row - Toni Natale, Mary Wilson, Sue Spence, Donna Gunther, Tiffany Hudy, Gretchen Branco; third row - Lynn Petrili, Jim Rezucha, and Matt Karski.

Become a Member

When you join Visions you become a member and an owner - that's what credit unions are all about! As a not-for-profit member owned financial cooperative our main purpose is to satisfy the financial needs of our members. When you succeed, we succeed!

Visions membership requires a $25 minimum deposit. Applications can be taken in person at one of our offices, online, or through the mail.

Please fill in the fields below to see if you're eligible for membership. Click the "Apply Now" button to start your online application.

Press Releases

Visions FCU Names ABC Creative Group Agency of Record

Visions FCU Names ABC Creative Group Agency of Record

Visions Federal Credit Union will count on ABC Creative Group to market its 38 branches spread across three states beginning in 2015. ABC will take on public relations, advertising, media placement, strategic planning, social media and major event support for the 180,000 - member credit union with locations in New York, Pennsylvania and New Jersey. This includes creative for campaigns in print, online and via broadcast as well as content development for and distribution of press releases. "I look forward to working with ABC Creative Group on future marketing initiatives for Visions," Marketing Manager Mandy DeHate said. "Their fresh ideas, innovative culture and willingness to think big while promoting our institution is a real draw and it mirrors our efforts to support our members."

Visions will also utilize ABC’s idea-based sales model that equips clients with customized ROI measurement and ongoing guidance of sales staff to ensure the campaign objectives are complete.

Secretary of Banking & Securities Visits Visions Federal Credit Union

Secretary of Banking & Securities Visits Visions Federal Credit Union

Endwell, NY - Pennsylvania Secretary of Banking & Securities, Glenn E. Moyer, joined Visions Federal Credit Union President/CEO, Tyrone E. Muse, on Thursday, October 30, 2014 at the Visions office located at 2101 Centre Avenue in Reading, PA. The visit included a tour of the office, great conversation, and the added excitement of judging pumpkins.

Visions donated 400 pumpkins and art supplies to the Berks County Intermediate Unit, BCIU, for children to decorate. Prizes were awarded to the winning pumpkins based on votes cast by those visiting the 2101 Centre Avenue location where the pumpkins were displayed. Loads of fun was had by everyone!

Mr. Moyer and Mr. Muse (pictured above left to right) carefully deliberated with the "best of show" decision and truly enjoyed the talent and creativity of the neighboring students at BCIU.

Visions Welcomes New Member Business Loan Officer

Visions Welcomes New Member Business Loan Officer

Alison Ha has joined Visions Federal Credit Union as Sr. Member Business Loan Officer at the Syracuse branch located at 500 Erie Blvd West. Alison brings with her nearly fifteen years of experience in commercial banking, most recently with HSBC Bank, where she was an analyst and AVP-Relationship Manager for nine years covering a variety of industries. Alison holds a B.A. in Economics from Union College, and is a 2014 M.B.A. candidate from the Whitman School of Management at Syracuse University. She resides in Syracuse.

Build a Better Board

Build a Better Board

Among his many responsibilities, Ken Kidder has an especially important role as board chairman of $3.3 billion asset Visions Federal Credit Union in Endicott, N.Y.: to replace himself with someone better.

This task hasn't always been part of the chairman's job description. But when the here to continue.

Tri-Co Federal Credit Union to Merge with Visions Federal Credit Union

Endicott, NY, July 1, 2014 - Visions Federal Credit Union, a $3.2 billion credit union headquartered in Endwell, New York and Tri-Co Federal Credit Union (Tri-Co), a $134 million credit union serving the financial needs of employees of the Board of Education in Morris, Sussex, and Warren Counties in New Jersey; their relatives; over 300 valued business partners, and education-related groups; are pleased to announce approval by the National Credit Union Administration for Tri-Co FCU to merge with, and into, Visions Federal Credit Union.

The effective merge date of the two credit unions is July 1, 2014. Post-merger, Visions will have 38 offices in parts of New Jersey, New York, and Pennsylvania, over $3.3 billion in assets, and nearly 180,000 members. All current Tri-Co office and ATM locations will remain open.

"I am excited to welcome the Tri-Co membership into Visions. Our highly competitive rates, additional services and products; along with the increased office and ATM locations will be beneficial to everyone - especially, our current NJ members. We plan on becoming involved in the tri-county area and look forward to partnering with the local schools and giving back to students and faculty." stated Tyrone Muse, President & CEO of Visions.

Tri-Co was chartered in 1936 as Morris County Teachers Federal Credit Union and has been instrumental in the lives of educators and their families in the tri-county area. They pride themselves on being the 1,151st credit union chartered in America; their willingness to work hard for their members by providing the products they need; and remaining true to their educational roots.

Staying true to the credit union philosophy of "people helping people" Visions is pleased to welcome Tri-Co FCU employees and members into their credit union family and look forward to meeting the financial needs of their members and communities.

Visions Welcomes New Branch Manager to Norwich Office

Visions Welcomes New Branch Manager to Norwich Office

Hilary Wilcox has joined Visions Federal Credit Union as the Norwich Branch Manager. Hilary brings over 10 years of experience to her new position, ranging from Branch Manager at NBT to Indirect Lending Officer at GHS Federal Credit Union.

Hilary was born and raised in Chenango County, attended Oxford Academy and Central Schools, and furthered her education at Elmira College with a degree in Business Administration with concentrations in Management and Marketing.

Hilary is a 2012 graduate of Leadership Chenango, and is active in the community, having served on various boards and committees.

Visions is proud to welcome Hilary to the Norwich staff. Her local roots and credit union background will help her serve our members well.

RVSA Advertising/VISIONS FCU Earn Awards at 2014 CAST Genesis Awards

RVSA Advertising, Inc. and VISIONS Federal Credit Union were cited for creativity with two awards given during the "24th Annual CAST Genesis Awards".

The yearly event was held recently by the Communications Associates of the Southern Tier (CAST).

Over 90 local entries in web design, creative marketing, advertising, writing and public relations were judged for creativity and execution by a panel of judges from the Syracuse, NY market.

RVSA was cited for its VISIONS' "Express Family" television commercial. The TV spot featured an animated family of smartphones discussing VFCU's mobile services.

RVSA and VISIONS also received an award in the "outdoor" category for its four digital billboards teasing the arrival of VISIONS in the Reading, PA. market.

CAST is the region's only organization dedicated to furthering all aspects of the communications industry. Members include ad agencies, local broadcasters, designers, photographers, corporate communication directors and printing specialists.

RVSA will celebrate its 45th Anniversary in July. It is the area's second oldest full service advertising agency. Based in Binghamton, NY, it was founded in 1969 by Mr. Roy V. Swinamer.

Congratulations Visions Scholarship Winners!

Visions Federal Credit Union has a long-standing commitment to academics and financial literacy.

We're very proud of the 18 high school graduates, our members, who were recently award a 2014 Visions Scholarship. Best of luck to all our scholarship winners!

The scholarship winners were chosen by Visions, or the Credit Union Association of New York, for their outstanding performance in academics, extracurricular achievements, and dedication to their community.

Special scholarships were awarded to four graduates who volunteered at Visions Federal Credit Union in-school offices: Conner Gyllenhammer and Jake Sorrells from Union-Endicott High School, and Vincent Mathers and Marisa Tubaugh from Windsor High School.

For a complete listing of scholarship recipients, please click here.

Be on the lookout for 2015 Scholarship applications available this fall.

Greek Peak Peakfest

Greek Peak Peakfest

Greek Peak Mountain Resort in Cortland, NY announced plans on Wednesday, April 9th for a music festival that will take place July 18-19, 2014 featuring Rock and Roll Hall of Fame member Dave Mason along with Pure Prairie League, FireFall, Professor Louie and the Crowmatix, and Upstate New York’s Todd Hobin Band.

PeakFest will be sponsored by Visions Federal Credit Union, based in Endicott, and will feature musical acts, a VIP party, a 5-kilometer run, craft exhibits, and food and beverages.

Pictured above are (left) Ty Muse, Visions President/CEO and (right) Marc Stemerman, co-owner of Greek Peak.

Executive and Supervisory Committee Members

During the recent Visions Federal Credit Union Board of Directors reorganization meeting, the following individuals were elected to the Executive Committee: Kenneth H. Kidder III - Chairman, George S. Bobinski, Jr. - Vice Chairman, Joan S. Lacey - Treasurer, and Marcia J. Steinbrecher - Secretary. Also serving on the Visions FCU Board are: R. Mark Patterson, Steven P. Hill, Scott M. Hotalen, Alan G. Hertel, and Anne P. Reichert.

Oliver N. Blaise, Jr.; Mark A. Wasser; Christopher H. Marion; Terry J. Kellogg; and Douglas J. Camin were appointed to the Supervisory Committee. Frederick K. Getz was appointed as 1st Alternate and Judith A. Ghosin as 2nd Alternate.


Kenneth H. Kidder III


George S. Bobinski, Jr.
Vice Chairman


Joan S. Lacey


Marcia J. Steinbrecher

Annual Meeting Election Results

During the 48th Annual Meeting of Visions Federal Credit Union held on March 15, 2014, the following individuals were elected to serve three-year terms on the Board of Directors: George S. Bobinski, Jr.; Scott M. Hotalen; and Kenneth H. Kidder III. Also serving on the Board are: R. Mark Patterson, Joan S. Lacey, Steven P. Hill, Alan G. Hertel, Marcia J. Steinbrecher, and Anne P. Reichert.

Special recognition was given to George S. Bobinski, Jr. for five years of volunteer service and Oliver N. Blaise, Jr.; Mark A. Wasser; and Scott M. Hotalen for ten years of volunteer service.

Election Results

Elected Board Members (L to R) - George S. Bobinski, Jr.; Scott M. Hotalen; Kenneth H. Kidder III.

Election Results

Service Awards (L to R) - George S. Bobinski, Jr.; Scott M. Hotalen; and Mark A. Wasser. (Missing from photo is Oliver N. Blaise, Jr.)

Upcoming Events

Annual Meeting
Date: Saturday, March 14, 2015
Time: 10 a.m.
Location: 3301 Country Club Rd. - Endwell, NY
Details: Continental Breakfast, 9:30 a.m. No reservations necessary - all members welcome.
Defensive Driving - Part 1 (two-night course)
Date: Thursday, March 19, 2015
Time: 5:30 p.m. - 8:30 p.m.
Location: 3301 Country Club Rd. - Endwell, NY
Details: Cost: $35 for members, $40 for nonmembers. Please call 800.242.2120, ext. 10442 for reservations.
Medicare 101 Seminar
Date: Friday, March 20, 2015
Time: 10 a.m.
Location: 3301 Country Club Rd. - Endwell, NY
Details: Please call 800.242.2120, ext. 10442 for reservations.
Defensive Driving - Part 2 (two-night course)
Date: Thursday, March 26, 2015
Time: 5:30 p.m. - 8:30 p.m.
Location: 3301 Country Club Rd. - Endwell, NY
Details: Cost: $35 for members, $40 for nonmembers. Please call 800.242.2120, ext. 10442 for reservations.
Kirby Easter Party
Date: Friday, March 27, 2015
Time: 6 p.m. - 8 p.m.
Location: The Discovery Center, 60 Morgan Rd., Binghamton, NY
Details: Includes FREE admission to the Discovery Center, games, refreshments, Kirby Kangaroo, and the Easter Bunny.