Visions Federal Credit Union
4700 Vestal Pkwy E, Vestal, NY 13850
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I have been a member with Visions since I was 17 years old (when IBM owned it). Over the years I have had multiple vehicle loans, personal loans and even a mortgage. All paid back to Visions BEFORE the final due date. One would think that having a relationship with a credit/banking institution for over a 25 year period would count for something...not so much with Visions.
They (Visions) continue to use the make believe credit system for all their loans (remember folks, the three credit burrows provided triple A ratings to companys like AIG exactly (1) day before the economic collapse, brought on by the banking industry...AIG was bankrupt.
The personal relationship with Visions is make believe...In fact Visions is advertising better rates on loans to non-members...but stick their long term clients (yes clients, Visions forgets they are the vendor and the members are the clients) with higher rates... all in time when Visions is experiencing nearly free money from the Untied States Government.
I have reached a point where I just keep the accounts open with Visions due to closing them would hurt my make believe credit score (again folks, there is ZERO over-site on the credit reporting company's.)
Steer clear of this terrible customer service company. Find a good local bank...you may pay a bit more in rates, but at least they respect something called loyalty and will work with you.