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Visions Federal Credit Union Auto Loans

Visions FCU Auto LoansVisions Federal Credit Union is a not-for-profit financial institution with more than 180,000 members that controls approximately $3.4 billion in assets. Visions Federal has merged with several smaller credit unions, including Paragon Federal Credit Union, to form an institution with 38 branches and 100 ATMs throughout New York, Pennsylvania, and New Jersey. Visions Federal Credit Union is headquartered in Endicott, NY.

Visions FCU Vehicle Loans

Visions Federal Credit Union auto loans are offered to every member possible. To do so, the credit union has a reasonable set of lending guidelines that can be more forgiving than many banks. Visions will consider borrowers with less than stellar credit and higher debt-to-income ratios than you may expect. With that in mind, the credit union must still be a responsible lender, so each loan is considered as carefully as possible.

Visions Federal Credit Union is currently offering interest rates as low as 1.89 percent and terms of up to 84 months. Used car loans can have a rate as low as 2.39 percent with terms of up to 72 months, depending on the age of the vehicle. Visions also offers RV, motorcycle, and ATV loans. All rates and terms are quoted as of 12-11-14 and are subject to change without notice or update to this profile.

Current Direction

Visions Federal Credit Union was founded in 1966 to serve the needs of IBM employees. Since those humble beginnings, Visions has expanded through mergers (most recently with Paragon Federal Credit Union) to meet the needs of several communities throughout New Jersey, New York, and Pennsylvania.
Visions Federal has a mandate to offer the products and services that will make it’s members’ lives easier – today, tomorrow, and always. This ”people helping people” mentality has driven Visions since its inception.

Contact Information

If you are interested in joining or would like to apply for a Visions Federal auto loan, you can visit the website ( or you can call member services at 1-800-242-2120. If you need to contact Visions by regular mail, the address is:

Visions Federal Credit Union
24 McKinley Avenue
Endicott, NY 13760