bank rates

East Coast Deal: CDs Pay Up To 2.17%

woman looking at glass jar filled with coinsVisions Federal Credit Union has great 60-month relationship CD rates for its 158,000 members in New Jersey, New York and Pennsylvania.

It pays 2.17% APY for 60-month CDs with a $500 minimum deposit.

The top nationally available 60-month CD rate on our CD Rates Leaderboard has been on the rise, landing at 2.05% APY last week.

To qualify for the credit union’s relationship dividend rate, you need to have one of six types of checking accounts, plus either a credit card, a consumer loan with a balance of at least $10,000, a mortgage or home equity loan of credit with a balance of at least $25,000, or a business loan with a balance of at least $50,000.

Visions Federal Credit Union’s free checking account isn’t an option, but its E checking is. The check-free account has no minimum balance requirement, but qualifying for the certificate of deposit requires either three check card purchases or three bill payments a month.

Without a relationship, you’ll earn 1.92% APY on the 60-month CD.

Membership in Visions Federal Credit Union is basically open to those who live, work, attend school or conduct business regularly in the New York cities of Rochester or Syracuse, or counties of Broome, Chemung, Chenango, Rockland, Schuyler or Tioga; in portions of the Pennsylvania cities of Allentown, Bethlehem or Easton, or in Bradford County or portions of South Westmoreland or North Fayette counties; or in the New Jersey counties of Bergen or Passaic and portions of Essex, Hudson or Union counties.

Since there are a few exceptions in those areas, the credit union allows you to enter in your address on the website and find if you are eligible.

Membership requires a $1 membership fee and a $25 deposit in a share savings account.

Members can buy CDs over the phone, by mail or at one of Visions Federal Credit Union’s 31 branches in central New York, northern Pennsylvania and northern New Jersey

Learn more about Visions Federal Credit Union at or call 800-242-2120.

Compare these returns with the best CD rates from scores of banks in our extensive database.

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