Please note that we have planned maintenance scheduled for the week of May 11th. You may experience slower transaction processing during this time. We appreciate your patience.

Loan Payment Options

Introduction

Making payments can be easy with our convenient payment options, by giving you the flexibility to choose what works best for you. Explore options for online, in-person, or mailed payments from Visions accounts or from other deposit institutions!

Looking to make payments to another financial institution or a utility provider? Check out Bill Pay today.

Payment options if your deposit accounts are with Visions:

Automatic Loan Transfers

Automatically transfer your loan payments from your checking or savings account to your loan each month. To set up automatic payments to a Visions loan, you can utilize digital banking or give us a call at 800.242.2120. 

Digital Banking

Transfer funds from your Visions checking or savings account to your Visions loan, mortgage, or credit card. Simply log in to digital banking and click Transfers/Payments, then Make a Payment from the main navigation menu. You'll have the option to make a one-time payment or establish recurring payments at your preferred frequency.

By Check

Mail a check for your loan payment to: Visions Federal Credit Union, 24 McKinley Ave, Endicott, NY 13760.

You can mail credit card payments to: Visions Federal Credit Union, PO Box 630685, Cincinnati, OH 45263-0685.

In Person

Stop by any of our branch locations and process your loan payment in person. You may also use select ATMs for check, cash, or transfer payments.

Payment options if your deposit accounts are with another financial institution:

External Funds Transfer

Make a payment from a savings or checking account at another financial institution to your Visions loan. Simply log in to digital banking and select Transfers/Payments from the main navigation menu and choose the Add External Account option. Once you add and link your accounts, you can send money and then transfer the funds to your loans at Visions.

Learn more about External Transfers.

SmartPay*

SmartPay allows you to make one-time or recurring payments from a savings or checking account at another financial institution through ACH or a non-Visions debit card (Visa®, MasterCard® or Discover®).

  • Limits: transfers to your loan account(s) are limited to $2,500.00 per transaction for ACH payments and $5,000.00 per transaction for card payments. 
  • Processing times: transfers requested by 6 p.m. EST will be posted the same day; transfers requested after 6 p.m. EST will be posted the next business day. New loans will be eligible for SmartPay one business day after loan approval is processed. Holidays will extend processing dates.
  • Once you submit your payment, you cannot cancel it. Contact us at 800.242.2120 for assistance.
  • The following loans are ineligible for SmartPay at this time: Business Loans
  • Digital Payment Terms and Conditions

By Check

Mail a check for your loan payment to: Visions Federal Credit Union, 24 McKinley Ave, Endicott, NY 13760.

You can mail credit card payments to: Visions Federal Credit Union, PO Box 630685, Cincinnati, OH 45263-0685.

In Person

Stop by any of our branch locations and process your loan payment in person. You may also use select ATMs for check, cash, or transfer payments.

 

*To use SmartPay, you must have an open loan and be a member in good standing. Payments to Visions mortgages can only be made for the regular payment amount due. Certain loan types are not eligible for SmartPay. Ask a representative about details, additional payments, or mortgage payoffs at 800.242.2120.