Visions Federal Credit Union has competitive 60-month CD rates for its 127,000 members in New York and Pennsylvania.
It’s paying 2.28% APY for 60-month CDs with a $500 minimum deposit.
Now, that rate goes up to 2.53% APY for those who qualify for the credit union’s relationship dividend.
But that requires one of five types of checking accounts plus a credit card, consumer loan, mortgage or home equity loan of credit, or business loan.
These CD rates are better than the top nationally available 60-month CD rate on our CD Rates Leaderboard, which is at 1.95% APY these days.
You have to be a member of Visions Federal Credit Union to purchase these certificates of deposit.
With a few restrictions, membership is open to those who live or work in Rochester or Syracuse, N.Y.; the New York counties of Broome, Chemung, Chenango, Schuyler or Tioga; or Bradford County, Pa.
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 23 branches in New York and northern Pennsylvania.
Learn more about Visions Federal Credit Union at www.visionsfcu.org, or call 800-242-2120 or 607-754-7900.
Compare these returns with the best CD rates from scores of banks in our extensive database.