Visions Federal Credit Union

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Lucky Savers

We offer every savings option you need. Each account is insured for at least $250,000 by the National Credit Union Administration. Dividends are compounded and credited monthly using the average daily balance method.

Here's what we have:

Share Money Manager Account -- No maintenance fees, 24-hour access to all ATMs, transfers and withdrawals by phone. And dividends are earned on accounts greater than $100.

Special Share Money Manager Account -- A special account for any purpose you like. Maybe a new car, or a down payment. Or just that "rainy day" fund.

Holiday Club Accounts -- Savings like the other accounts, but more flexible than the old coupon-book accounts. And the entire balance is conveniently transferred to your prime Share Account on Nov. 1. Just in time for the holidays.

Summer Savers Account -- We help teachers save for the summer months by having funds regularly deducted from their salary into a special account – plus they earn dividends! Includes flexible options. Funds transfer to Primary Share Money Manager on July 1st of each year.

Flex Money Market -- Market-sensitive rates without sacrificing liquidity for higher balances. No maintenance fees or service charges. Minimum initial deposit of $5,000 to open. Once opened, minimum deposit of $100 and/or minimum withdrawal of $250. 24-hour access to ATMs, or access by phone.

And if you maintain aggregate balances more than $50,000, you could qualify for a special relationship rate, if you are a member in good standing and maintain one relationship from Column A and one from Column B:

Column A

  • Visions Flex Checking with a minimum of 3 transactions per month
  • Visions Flex Checking Plus with a minimum of 3 transactions per month
  • HSA Flex Checking with Visa Check Card
  • Business Checking with a minimum of 3 transactions per month

Column B

  • Visa Platinum or Visa Elite Credit Card with a minimum of 3 purchase advances per month
  • Consumer loan balances of $10,000 or more
  • Mortgage/HELOC loan balances of $25,000 or more (includes Fixed Rate Home Equity)
  • Business loan balances of $50,000 or more

Other Important Details

  • Loan Collateral - Funds in Share Money Manager and Flex Money Market Accounts can be pledged as collateral security to a loan or loans with Visions Federal Credit Union.
  • Changes in Agreement -- We reserve the right to terminate the offering of these accounts to members at any time without notice. We may also change any of the terms or conditions on existing accounts with 30 days notice.
  • Assignment of Account - these accounts are not transferable except on the books of the depository institution.
  • Dividends- Are based on the credit union's earnings at the end of a dividend period and cannot be guaranteed.