Loan Payment Options
Making your payments should be easy. These options give you flexibility to choose the method that works best for you.
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. Give us a call today at 800.242.2120 to set up automatic payments.
Digital Banking
Transfer funds from your Visions checking or savings account to your Visions loan. Simply log in to digital banking and click Transfers/Payments - Loan Payments from the left navigation menu.
By Check
Mail a check for your loan payment amount to Visions Federal Credit Union, 24 McKinley Ave, Endicott, NY 13760.
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 left 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.
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®).
- Transfers to your loan account(s) are limited to $2,500 per transaction. 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 one business day after loan approval is processed. Holidays will extend the normal processing dates. Once you submit your payment, you cannot cancel it. Contact us at 800.242.2120 for assistance.
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The following loans are ineligible for this service at this time:
- Business Loans
By Check
Mail a check for your loan payment amount to Visions Federal Credit Union, 24 McKinley Ave, Endicott, NY 13760.
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 FCU mortgages can only be made for the regular payment amount due. Certain loan types are not eligible for SmartPay. Ask a representative for details at 800-242-2120.
