Estate planning at Visions FCU
How to protect 23 Visions FCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Visions FCU's Visions Estate and Trust Services (via MEMBERS Trust Company)
Phone1-800-242-2120
Toll-Free1-800-242-2120
Mailing Address
Visions Federal Credit Union, 24 McKinley Avenue, Endicott, NY 13760
Debit/Credit Card Support (24/7)
TTY/TDD Relay
WebsiteLearn more→
Visions Estate and Trust Services (via MEMBERS Trust Company)
Phone1-800-242-2120
Toll-Free1-800-242-2120
Mailing Address
Visions Federal Credit Union, 24 McKinley Avenue, Endicott, NY 13760
IRA Specialists
WebsiteLearn more→
Member Operations - Account Settlement
Phone1-800-242-2120
Mailing Address
Visions Federal Credit Union, 24 McKinley Avenue, Endicott, NY 13760
WebsiteNotify online→
Verified Jul 2026
Visions FCU offers 23 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, Visions FCU over 60 branches across New York, Pennsylvania, and New Jersey. Headquartered at 24 McKinley Avenue, Endicott, NY 13760. Strong presence in the Southern Tier of New York and northeastern Pennsylvania. Membership is available to those who live, work, worship, or attend school in eligible areas, as well as family members (parents and siblings) of existing members. $1 minimum deposit establishes lifetime membership. Routing number: 221375378. Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.
Visions FCU lets account holders update beneficiary designations in branch and by phone, typically taking 15-30 minutes in branch; 10-15 minutes by phone. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Visions FCU provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 23 account types at Visions FCU.
View details →When someone dies
Death claim process
Contact Visions FCU's Visions Estate and Trust Services (via MEMBERS Trust Company) to file a claim. 4-step process, 10 required documents, and contact information for survivors.
View details →Reach Visions FCU's Visions Estate and Trust Services (via MEMBERS Trust Company) at 1-800-242-2120 for help with any of these procedures. Email inquiries can be sent to IRASpecialists@visionsfcu.org.
Visions FCU is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Visit any of the 60+ Visions FCU branch locations with government-issued photo ID, or call 800-242-2120. Provide beneficiary details including full legal name, date of birth, Social Security number, and relationship. You can designate primary and contingent beneficiaries with percentage allocations. For IRA accounts, contact IRA Specialists at IRASpecialists@visionsfcu.org, as IRA beneficiary designations are separate from deposit account POD designations.
Visions FCU offers three credit card options: Visa Platinum (1% cash back, no annual fee), Elite Visa Signature (2% cash back, no annual fee, no foreign transaction fees, concierge service), and a Secured Credit Card for credit building. All cards include Visa Zero Liability Protection and mobile wallet compatibility.
The Lucky Savers Certificate is a 12-month share certificate that combines savings growth with monthly and quarterly prize drawing entries. Open with a minimum of $25 and earn one entry per $25 monthly balance increase (up to 10 entries per month). Quarterly prizes can be up to $5,000. The certificate earns competitive dividends and is NCUA-insured.
Membership is available to those who live, work, worship, or attend school in eligible areas across New York, Pennsylvania, and New Jersey. Family members (parents and siblings) of existing members are also eligible regardless of location. A $1 minimum deposit establishes lifetime membership.
Yes. Visions FCU partners with MEMBERS Trust Company (a special purpose federal thrift chartered and regulated by the OCC, serving clients since 1987) through Visions Estate and Trust Services. Services include trust administration, estate settlement, wealth management, and financial stewardship. Visit https://www.visionsfcu.org/trust-and-estate-services or call 800-242-2120 for more information.
Yes. Visions offers SECURE Act-compliant trust options for IRA beneficiary designations, including Spendthrift Trusts (for inexperienced beneficiaries), Special Needs Trusts (for disabled beneficiaries who qualify for government benefits), and Charitable Giving Trusts (to benefit both a family member and a charity). Contact IRA Specialists at IRASpecialists@visionsfcu.org or visit https://www.visionsfcu.org/designating-a-trust-as-an-ira-beneficiary for details.
Sources
Data sourced from Visions FCU primary sources (17 pages reviewed). How we research.
Phone1-800-242-2120
Toll-Free1-800-242-2120
Mailing Address
Visions Federal Credit Union, 24 McKinley Avenue, Endicott, NY 13760
Debit/Credit Card Support (24/7)
TTY/TDD Relay
WebsiteLearn more→
Visions Estate and Trust Services (via MEMBERS Trust Company)
Phone1-800-242-2120
Toll-Free1-800-242-2120
Mailing Address
Visions Federal Credit Union, 24 McKinley Avenue, Endicott, NY 13760
IRA Specialists
WebsiteLearn more→
Member Operations - Account Settlement
Phone1-800-242-2120
Mailing Address
Visions Federal Credit Union, 24 McKinley Avenue, Endicott, NY 13760
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Visions FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
