Visions Federal Credit Union Recent Reviews & Ratings | Share Your Review
Date: August 03, 2018 Age: 46 Gender: male Marital Status: Married
Closing Fee
Closing costs were low, but we were able to roll some of them into the mortgage. With the lower interest rate based on paying an additional point, it became a no-brainer.
Interest Rate
The interest rate I received was lower than any advertised rate I could find. I was not expecting to pay points, but it made a lot of sense to do so to get the lower rate. I was happy with the rate and paying the extra point.
Loan Officer Service
The loan officer was professional and kind. He knew the answers to all of our questions and was very flexible on when and where we could close on the mortgage.
Overall Rating
Pros
I would do business again with Visions FCU. they are local and easy to work with when I need any advice, help, or support from them. I like that they are a local credit union.
Cons
I really don't dislike anything. Though they do not have a 24-hour customer support line because they are a smaller bank. I have not had any mortgage-related after hours issues so it is not a problem for me. I'd rather have the lowest rate I can find.
Date: June 05, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Closing Fee
Closing costs were reasonable and pretty standard for the mortgage I have. I was a little surprised to learn of the 1.25 points to pay in order to get that rate but it reduced some standard costs that I would have had to pay anyway. I would have paid half of the points anyway in fees if I did not go with the 3.25 with 1.25 in pts. It was worth it.
Interest Rate
The interest rate I received was the lowest I could find. Lower than any other advertised rate for the term. I closed on a 20 year fixed rate at 3.25% and still very satisfied with it.
Loan Officer Service
very knowledgeable and professional. I like most that he said he would do something and when and he was always ahead of schedule or right on time. no delays.
Overall Rating
Pros
I like that Visions is a local bank that I can contact at any time. Very customer focused and friendly. I feel they have a hometown attitude and feel when I speak with them.
Cons
Not much to dislike. I could have used a better explanation of the points structure to get their best rate but for me, it was a minor charge that I could deal with easily or roll it into the mortgage.