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The Visions Federal Credit Union, is a not-for-profit financial institution, completely owned by its members and organized for the economic benefit of its communities and its members.

With assets over $3 billion, VISIONS serves members from 31 locations throughout portions of Central New York, Syracuse, Rochester, Northern Pennsylvania and Northern New Jersey.

VISIONS offers a variety of checking and savings accounts to meet all budget needs; a choice of credit cards including those with gold and platinum rewards programs; investment vehicles; insurance; trusts; personal and business loans.

Motto: “The Loan Arranger – With money to lend through all stages of life.”

Founded: 1966

Led by: Laura Maerkl, Business Development Officer

Why They’re Unique: VISIONS is one of the only “local” financial institutions in our community. When you borrow from a local lender, you support your local community. Originally founded as the IBM Endicott Employees Federal Credit Union, VISIONS has become one of the nation’s largest and strongest credit unions. Because the credit union is owned by its members and adheres to its mission of “People Helping People” – loan rates are traditionally among the lowest in the market. Their goal is to assist all residents of our communities with the ability to borrow. At the same, VISIONS assists in improving financial responsibility by providing educational programs designed to help in assisting with credit retention, budgeting, and life-time solutions everyone needs to remain financially stable. VISIONS remains a technology leader, too. The Credit Union provides digital delivery channels that allow members to deposit and access their funds, including mobile check deposit and bill payment. Free apps for all mobile devices are available.


They Can Answer Questions Relating to:

1) Who is eligible to join?
As a “community” credit union living or working in a particular area is all that’s required for membership. Details of membership can be found on VISIONS homepage by simply clicking on the “Join Today” button or simply Ask the Expert for complete details.

2) Does it cost to join?
A small minimum deposit of $25 is required into your savings account. With a onetime $1 membership fee you can start your relationship for a lifetime.

3) Are you near where I work or live?
With the convenience of 31 branch locations and over 100 ATMs, doing business with VISIONS is easy. We also offer secure internet and mobile banking where your financial business can be done on your schedule. Locations are available on our mobile app and website for your convenience.

4) Are you hiring?
To become a member of the Visions “team” discover current job postings listed on our home page under “All About VISIONS”. Click on the Careers tab!

5) What is the easiest way to apply for a loan?
If you’re not already a member, join! Then visit our homepage and click on the Apply for a Loan button. It’s that easy.

6) What is the easiest way to apply for a mortgage?
If you’re not already a member, join! Then visit the mortgage site of our website and apply online. Most decisions can be made the same day. 

Meet The Expert



Laura  Maerkl has over 25 years of experience in the financial services field. She is very familiar with all aspects of the credit union to include loans, savings, mortgage and business services. She will assure that any questions you have are answered professionally and at the service level that Visions is respected for.







You can use your smartphone to deposit checks. The expert explains how you can make a quick and easy mobile express deposit.

Have A Question? Ask The Experts!

(607) 754-7900


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