NEW MONEY SPECIAL OFFER: 12-Month Share Certificate at 5.15% APY*


When life is unpredictable, find something more reliable. Like our 12-Month Share Certificate at 5.15% APY. It’s a convenient way to save, earn, and plan ahead for 2025. 

Lock in your 12-month certificate at 5.15% APY today, valid for new deposits only at your local branch or by calling 800.242.2120.

Time is money. Make the most of it.

They say there’s no such thing as a safe investment, but they’ve probably never heard of share certificates. That’s because with a share certificate, there’s no risk of losing your principal. Here’s why we think it’s a smart money move.

Like any savings account, you’ll earn dividends on a share certificate. The difference, though, is that your rate of return is based on your term length – in general, the longer your term, the higher your rate. It’s our way of saying “thank you” for your time commitment, but it also means that you can select a term that works best for you.

Thinking short-term? No problem. How about years down the road? You’re covered. Whatever your savings needs, there’s a share certificate designed for you. Check out our IRA rates to see how you can make time and money work in your favor.



Special Offer at 5.15% APY – Terms and Conditions
*APY = Annual Percentage Yield. Credit union membership of $1 is required – certain restrictions apply. Speak with a representative for membership eligibility details. APY assumes principal and dividends remain on deposit for the term of the certificate. 12-month term only. Minimum balance of $500 required for new certificate; 100% new money deposit required to qualify for promotion. New money categorized as money not previously on deposit at Visions Federal Credit Union prior to certificate opening. Maximum deposit aggregate of $1,000,000 per member account number. Dividends calculated using the daily balance method. This method applies a periodic rate to the daily balance in the account each month. Dividends are compounded daily and credited monthly. Dividend rates are based on credit union earnings at the end of the dividend period and cannot be guaranteed. Dividends earned on balances of $500 and greater. Fees may reduce earnings on account. Early withdrawal penalties may apply. Unless otherwise instructed, product changes to a 12-17-month certificate term upon maturity, earning applicable APY at that time. Offer only valid when opened in person at a Visions location, or through Visions’ Contact Center at 800.242.2120; cannot be opened via digital banking. This offer, including the advertised rate and APY, is accurate effective 12/19/2023 and is subject to change or expire without notice, no later than 3/31/2024. Federally insured by NCUA.

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