Visions Federal Credit Union

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Visions Federal Credit Union

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Visions Federal Credit Union

Ready to apply for your loan? First, you need to be a member with a VisionLine ID.

Log In here with your VisionLine ID:

Current member who needs a VisionLine ID? Click here to register.

Not a member yet? Take just a few minutes and join online through VisionLine, our online banking system and then you can apply for the loan. Click here to join.

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.

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 ext 10450.

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