Visions Federal Credit Union

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Introducing the loan for whatever you want or anything you need.

  • Refinance student loans
  • Consolidate credit card debt
  • Make a big purchase at a great rate

Give your monthly budget some breathing room with the Any-Purpose Loan from Visions.

Credit union members 18 or older can borrow between $10,000 and $40,000 based on their income and creditworthiness.

Get up to $40,000 with an APR as low as 4.99%*!

Graduation Cap
Credit card

When you're dealing with high-interest student loans, high stacks of credit card statements or high prices for the stuff you want, you're not looking for a special loan...You just want a low monthly payment.

Still dragging around a huge student loan payment?
Refinance it with an Any-Purpose Loan of up to $40,000 with a 10-year term.

Still juggling credit lines with high APRs?
Consolidate debt with an interest rate as low as 4.99% APR*.

These rates and terms are only available for a limited time, so apply now.

*APR = Annual Percentage Rate. Rate and term available on new loans only. Refinancing of existing Visions loans does not qualify. Certain relationships required to receive rates – ask for details. Credit union membership required with a $25 minimum deposit. Loan rate based on creditworthiness, may vary from the rates shown, and is subject to standard credit criteria. Rate can change at any time. Any Purpose (Personal) Loan: monthly payment would be $424.09 based on a $40,000 loan at 4.99% APR non-variable with a 120-month term. Maximum signature loan limit is based on creditworthiness. Other rates and terms available.

Personal Loans & Lines of Credit

Personal loans with low annual percentage rates. Borrowers as young as 14 (with parental consent). No collateral needed.

That's as flexible as you get. Check our latest rates.

Log in to your VisionLine account to apply for a Personal Loan now.

Apply for a Readi-Reserve Line of Credit at one of our branches or over the phone at 800-242-2120 option 1, option 1, option 1.

Personal Loans

We offer personal Signature Loans for borrowers age 18 and older. Borrowers may borrow $1,000 - $30,000 depending on their income and creditworthiness. A signature is required.

Any Purpose Signature Loan - Borrowers may borrow between $10,000 and $40,000 based on their income and credit worthiness used for the purpose of paying off educational expenses or other financial needs.

Readi-Reserve Line of Credit

Cash in a hurry. No paperwork delays. No hassle. Apply once and keep your limit ready for those emergency needs.

You can apply for an unsecured line of credit of any amount up to $20,000, then use it when you need it.

Check going to bounce? Your line of credit will advance cash - in $100 increments - to cover the gap. Need some cash? Use an ATM to draw on your line of credit.

Or you can:

  • Stop By Any Credit Union Office - to request an advance from a Service & Sales Representative.
  • Give Us A Call - through a Telephone Teller by calling 800.242.2120 or call P.A.T. (Phone Access Teller) at 800.843.2892.
  • Mail Us Your Request:
    Visions Federal Credit Union
    24 McKinley Avenue
    Endicott, New York 13760-5491

Readi-Reserve Rates

Relationship Builder

If you're a member in good standing and maintain the following relationship, you can qualify for our special relationship-builder rate:

  • Elect automatic payment on the new loan