The credit union is also offering 5.13% apy on a 32 month IRA Super Saver share certificate special. The minimum deposit requirement for all of the aforementioned certificates is $500. To qualify for these yields, you must have a combination of other financial products with the credit union. For example, those who have a VisionsPlus Checking Account with a Visa Check Card and a Visions Gold or Platinum Card would qualify for this rate. Certain other product combinations will also qualify you for this rate.

Field of membership in Visions Federal Credit Union is extended to those who live in the NY Counties of Broome, Chenango, Tioga, the City of Syracuse, NY, or Bradford County, PA. Certain residents of Chemung and Schuyler in New York are also eligible. Contact the credit union for more information.

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The longer term CDs have yields over 5% without this checking account requirement. These include a 5.15% APY 3-year CD, a 5.20% APY 4-year CD and a 5.25% APY 5-year CD. These are also available in retirement accounts. These standard rates are available to customers within the New York, New Jersey and Connecticut area.

Branches are located in New York and Brooklyn, NY. LibertyPointe Bank is a small bank that was established in 2005. The bank is FDIC insured (FDIC Certificate # 58071).

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