Today's rates from VISIONS
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 7.5% | 7.697% | 0 | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| 20 Year Fixed | 7.5% | 7.537% | 0 | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| 15 Year Fixed | 7.25% | 7.395% | 0 | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| 7 Year ARM | 7.25% | 7.34% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit | |
| 10 Year ARM | 6.75% | 6.833% | — | Nov 2, 2026 Lender's sheet dated Nov 1, 2026 | Visit |
Rate history
Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join VISIONS
You can join Visions Federal Credit Union if you are a relative of a current member, an educator, or a veteran. They serve communities across a three-state footprint including New York, New Jersey, and Pennsylvania.
Employer
Binghamton University students, faculty, and staff, Public schools and select businesses in Warren County, NJ, Public schools and select businesses in Morris County, NJ, Public schools and select businesses in Sussex County, NJ, Various Select Employer Groups (SEGs) in Visions field of membership
Military / veteran
all US military
Family of a member
spouse, parent, sibling, child, household members
County
Broome, NY, Cayuga, NY, Chemung, NY, Chenango, NY, Cortland, NY, Delaware, NY, Madison, NY, Otsego, NY, Rockland, NY, Schuyler, NY, Steuben, NY, Tioga, NY…
City
Rochester, NY, Syracuse, NY, Reading, PA, Allentown, PA (portions), Bethlehem, PA (portions), Easton, PA (portions)
Where VISIONS writes mortgages
VISIONS publishes mortgage lending in 3 states.
Pennsylvania counties where VISIONS serves members
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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