Visions Federal Credit Union is offering some pretty good CD and IRA CD rates to residents of New York. They have a 2.02% APY 1 year CD, a 2.53% APY 30 month CD, a 3.5% APY 5 year CD, a 2.53% APY 15 month IRA CD, and a 3.05% APY 32 month IRA certificate of deposit. If you already have a relationship with visions you can get a 0.25% increase in some of these rates. A Visions Plus Checking Account with a Visa Check Card and a Gold credit card can qualify you for the extra bonus.
Membership to Visions is open to those who live, work or worship in Broome, Chenango, Tioga, Schuyler or East and Central Chemung Counties in New York and Bradford County in Pennsylvania. There’s a $1 membership fee and a $25 minimum deposit into the Share Money Manager Account.
Branches are located in the New York towns and cities of Binghamton, Elmira, Endicott, Endwell, Horseheads, Johnson City, Newark Valley, Owego, Spencer, Syracuse, Vestal and Watkins Glen and in the Pennsylvania towns of Sayre and Wysox.
Visions has a 4 out of 5 star rating for soundness at bankrate.com and is federally insured by the NCUA.
I am member of the Visions Federal Credit Union on Court st in Binghamton NY. When I went to purchase a CD at the 3.25% rate for 12 to 29 mos.they had no idea where I got my quote from. Where have I gone wrong??? I am a Platinum card holder—if that makes any difference in qualifying for this offer and in good standing. Please advise.
Olive,
This post is from March, so their rates have certainly dropped since then. Sorry for any confusion.
Brandon
It looks like Visions still has some pretty good rates according to Bankaholic — although nothing like they were paying a year ago.
http://www.bankaholic.com/new-york-state-deal-3-top-cd-rates/