Visions Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Visions Federal Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 24-month CD ($500 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.25% to 4.00% APY.
Tracking began .
Visions Federal Credit Union CD & share certificate rates
Membership required. Fixed-rate personal share certificates only, generally with a $500 minimum; Lucky Savers and Youth certificates require $25. Youth certificates are for ages 13–17. The 42-month variable-rate certificate and IRA/HSA-only products are excluded. The 3-month and Lucky Savers certificates permit additional deposits under the source terms. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3-Month Share Certificate | $500 | 3.25% | −1.04% | Top 39% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6-Month Share Certificate | $500 | 3.25% | −1.15% | Top 59% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | 12-Month Youth Share Certificate Special | $25same APY in 2 balance tiers | 3.60% | −0.97% | Top 53% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 12-Month Share Certificate | $500 | 3.60% | −0.97% | Top 53% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18-Month Share Certificate | $500 | 3.65% | −1.07% | Top 52% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 24-Month Share Certificate | $500 | 4.00% | −0.87% | Top 28% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | 30-Month Share Certificate | $500 | 3.75% | −1.16% | Verified October 22, 2026 |
| 36 months | 36-Month Share Certificate | $500 | 3.75% | −1.20% | Top 34% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48-Month Share Certificate | $500 | 3.75% | −1.23% | Top 28% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60-Month Share Certificate | $500 | 3.75% | −1.26% | Top 32% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Visions Federal Credit Union's best CD rates by term?
Visions Federal Credit Union's best rate is 4.00% APY on 24 months, verified October 22, 2026.
- 3 mo3.25%
- 6 mo3.25%
- 12 mo3.60%
- 18 mo3.65%
- 24 mo4.00%
- 30 mo3.75%
- 36 mo3.75%
- 48 mo3.75%
- 60 mo3.75%
How much interest could a Visions Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$816.00 interest · $10,816.00 at maturity on $10,000.00.
4.00% APY · 24 months · 24-Month Share Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $40.033.25% APY · 3-Month Share Certificate · Standard | $80.063.25% APY · 3-Month Share Certificate · Standard | $200.143.25% APY · 3-Month Share Certificate · Standard | $400.293.25% APY · 3-Month Share Certificate · Standard |
| 6 months | $80.823.25% APY · 6-Month Share Certificate · Standard | $161.653.25% APY · 6-Month Share Certificate · Standard | $404.113.25% APY · 6-Month Share Certificate · Standard | $808.233.25% APY · 6-Month Share Certificate · Standard |
| 12 months | $180.003.60% APY · 12-Month Share Certificate · Standard | $360.003.60% APY · 12-Month Share Certificate · Standard | $900.003.60% APY · 12-Month Share Certificate · Standard | $1,800.003.60% APY · 12-Month Share Certificate · Standard |
| 18 months | $276.493.65% APY · 18-Month Share Certificate · Standard | $552.983.65% APY · 18-Month Share Certificate · Standard | $1,382.463.65% APY · 18-Month Share Certificate · Standard | $2,764.923.65% APY · 18-Month Share Certificate · Standard |
| 24 months | $408.004.00% APY · 24-Month Share Certificate · Standard | $816.004.00% APY · 24-Month Share Certificate · Standard | $2,040.004.00% APY · 24-Month Share Certificate · Standard | $4,080.004.00% APY · 24-Month Share Certificate · Standard |
| 30 months | $482.293.75% APY · 30-Month Share Certificate · Standard | $964.583.75% APY · 30-Month Share Certificate · Standard | $2,411.463.75% APY · 30-Month Share Certificate · Standard | $4,822.923.75% APY · 30-Month Share Certificate · Standard |
| 36 months | $583.863.75% APY · 36-Month Share Certificate · Standard | $1,167.713.75% APY · 36-Month Share Certificate · Standard | $2,919.293.75% APY · 36-Month Share Certificate · Standard | $5,838.573.75% APY · 36-Month Share Certificate · Standard |
| 48 months | $793.253.75% APY · 48-Month Share Certificate · Standard | $1,586.503.75% APY · 48-Month Share Certificate · Standard | $3,966.263.75% APY · 48-Month Share Certificate · Standard | $7,932.523.75% APY · 48-Month Share Certificate · Standard |
| 60 months | $1,010.503.75% APY · 60-Month Share Certificate · Standard | $2,021.003.75% APY · 60-Month Share Certificate · Standard | $5,052.503.75% APY · 60-Month Share Certificate · Standard | $10,104.993.75% APY · 60-Month Share Certificate · Standard |
How Visions Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 64 of 239 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Visions Federal Credit Union (this institution)24-Month Share Certificate · Standard | 24 months | $500 | Membership required · branches in NJ, NY, PA | 4.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| Barclays24 Month CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Visions Federal Credit Union on October 22, 2026.
About Visions Federal Credit Union
- Legal name
- Visions Federal Credit Union
- Regulator ID
- NCUA 17429
- Headquarters
- Endicott, NY
- Available in
- NJ, NY, PA
- Total assets
- $5.5 billion
- Also known as
- Website
- www.visionsfcu.org
Source: rates read from https://www.visionsfcu.org/rates/ira-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Visions Federal Credit Union?
Among the rates we track, 4.00% APY on a 24-month CD, as of October 22, 2026.
What is the minimum deposit for a Visions Federal Credit Union CD?
The lowest minimum we found is $25; jumbo and higher balance tiers start at up to $500.
How does Visions Federal Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.87% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Visions Federal Credit Union CDs insured?
Visions Federal Credit Union is a federally insured credit union (NCUA 17429). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Visions Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Visions Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Visions Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Visions Federal Credit Union before opening an account. This page is not financial advice.