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Services That Fit Your Needs
Loans
Envision Federal offers loans to fit your specific needs. Whether you’re financing your dream car, dream home, a much-needed vacation, or just want to save money by refinancing at Envision Federal—we have the loan you’re looking for. At Envision Federal, we are the final piece to your financial puzzle…let us help simplify your life.
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Savings and Investments
Climb to reach your financial goals with Envision Federal. We have flexible, free savings accounts, share certificates earning higher dividends, as well as a variety of Individual Retirement Accounts. We also have club savings accounts for children and holidays. You’ll easily reach new heights by saving at your credit union.
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Personal Checking
You should have a checking account as unique as you are. Envision Federal offers a variety of checking accounts to fit your lifestyle. We offer free checking accounts and dividend-bearing accounts with no minimum opening balance required. We also offer club checking accounts to students and members over 50. Click below to browse the account that best fits your needs.
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Business Services
Anyone knows owning your own business can be challenging. Envision Federal offers savings and checking accounts that reduce both your costs and stress. As a business owner, you have plenty of things to worry about…banking should not be one of them.
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New & Used Car Loan
If you're looking for convenience, low interest rates and a payment plan that fits your budget, you've found it. Your credit union knows that buying a new or used auto is a major decision. You know you're getting the low interest rate you deserve at Envision Federal. You can finance up to 110% MSRP for new vehicles and up to 110% of NADA value for used vehicles. Get pre-approved and let us put you in the driver's seat. We'll do the work while you do the shopping.
New Autos:
Rates as low as 5.25% APR*
Financing available up to 96 months
Used Autos (2006 & under):
Rates as low as 6.25% APR*
Financing available up to 84 months
*APR = Annual Percent Rate
Personal Loan
We know one size doesn't fit all. Whether it’s back to school, a European vacation, or a debt consolidation, we have the payment plan to fit your budget. Your earned credit earns you a lower rate and a lower payment. We offer Share Secured Loans, Share Certificate Secured Loans, Lines of Credit, Signature Loans, and Overdraft Lines of Credit. Get personal with your credit union. It's as easy as signing on the dotted line.
Secured Loans:
Share secured loans as low as 3% *APR
Certificate-secured loans: APR* equals 2% above CD APR*
Unsecured Loans:
Credit cards as low as 9.9% *APR
Signature loans and Lines of Credit as low as 10.99% *APR
*APR = Annual Percent Rate
Real-Estate Lending
House hunting?
Whether you are buying a home or taking advantage of your equity, you'll receive personal service and competitive rates at Envision Federal. Our knowledgeable staff will provide the answers you need and the options you want for all your home loan needs. We offer the following products and services through our local mortgage department:
- Conventional, FHA, and VA First Mortgages (up to 40 years)
- Second Mortgages
- Complete Construction Packages, including interim financing
- Land Loans
- Mobile Home Loans with Land
- Home Equity Lines of Credit
- Home Loan Refinancing
Recreational
When you work hard, your credit union wants you to play hard. Financing from Envision Federal allows you to enjoy your free time. Whether your cruising on your motorcycle, riding the waves on your jet ski, fishing on a lazy day, or taking that cross country trip with your travel trailer; you'll enjoy your low payments as much as your leisure time.
MAPS
Enjoy the low monthly payments of a lease without all the heavy restrictions and hidden costs of leasing. Sound impossible? It's not. Envision Federal's MAPS (Member Auto Payment Saver) vehicle financing program offers just that. Like a lease, MAPS provides monthly payments that are considerably lower than conventional financing. But unlike a lease, with MAPS you own the vehicle. Other benefits include:
- Annual mileage options of 12,000; 15,000; or 18,000
- No Security Deposit
- No Early Payoff Penalty
- No Up Front First or Last Payment
- Option to Sell, Trade, Finance or Return Vehicle at Program's End
- and many, many more!
Share Savings Account
This savings plan puts you in control of your savings goals. You choose how much you save and how often you make an investment. Your dividends are paid monthly with a minimum balance of only $5.00. As an added convenience, you can save automatically and effortlessly with payroll deduction or direct deposit.
Save2Win Account
Each month, ten lucky Save2Win accountholders will win prizes like iPods, GPS systems, digital cameras, gasoline gift cards, and more! We’re giving away a 42 inch flat panel television each quarter, and the Grand Prize of $5,000 cash will be awarded once per year to the lucky Save2Win member!
How does it work? Simple. Open a Save2Win account and start saving money. For every $25 increment saved in that account, you will be awarded one entry into the monthly, quarterly, and annual drawing for fantastic prizes. For example, if your month end balance is $200, you get eight chances to win; if your month end balance is $2,000, you get 80 chances to win! The more you save, the more chances you have to win!
Winning is easy—Save2Win. NO PURCHASE NECESSARY TO ENTER OR WIN - Details
Share Certificates
When you invest a minimum of $1,000, you'll earn a premium rate on your share certificate.
Time is money...earn higher dividends for three months or as long as five years.
Convenient dividend payment options are also available.
IRA Accounts
Planning for your retirement doesn't have to be complicated. Your retirement goals will become reality with an IRA from your credit union. Choose from an assortment of investment options:
- IRA Share Savings
- IRA Share Certificate
- Traditional IRA plans
- Roth IRA plans
- Educational IRA plans
Holiday Savings
You'll have Happy Holidays when you open your Holiday Savings account at your credit union.
Saving all year for this special holiday shopping season just makes sense. Saving is even easier when you start a payroll deduction or automatic transfer to your club account. You'll receive your savings automatically during the first week of November via direct deposit into your primary savings account.
Johnny Appleseed Club
Encourage children 12 and under to manage their savings. As a member of the Johnny Appleseed Club, they will see a benefit in saving both money and the environment. On even-numbered months, your child will receive a postcard in the mail reminding them to make a deposit in their account and announcing the special gift they will receive for making a deposit. Other club benefits include: Johnny Appleseed information, an annual Johnny Appleseed calendar, and drawings.
Click here to visit the Johnny Appleseed website.
Freedom Checking
- No Service Charge
- Unlimited Check Writing
- No Minimum Deposit Required
- 1st Box of Checks Free (economy duplicate)
- Free MasterMoney Debit Card*
- Overdraft Privilege Service Limit--$400.00*
*Subject to approval.
Fees apply to each Overdraft Privilege Service transaction.
Guardian Checking
- Earn Dividends (Maintain a minimum daily balance of $800)
- No Minimum Deposit Required to Open
- Free MasterMoney Debit Card or ATM Card*
- Overdraft Privilege Service Limit-up to $1,000*
- 1st Box of Checks Free (economy duplicate)
*Subject to approval.
Fees apply to each Overdraft Privilege Service transaction.
Pacesetter Checking
- Student Checking Account
- No Service Charge
- Free Checks (one economy box per year)
- Free Traveler’s Cheques
- Free MasterMoney Debit Card or ATM Card*
- Overdraft Privilege Service Limit--$400*
*Subject to approval.
Members 17 and younger must have a parent, guardian or other family member age 18 or older as joint owner. Fees apply to each Overdraft Privilege Service transaction.
Prestige Checking
- A checking account for members age 50 and better.
- No Service Charge
- Free Checks (economy-limit of 2 boxes per order)
- 3”x5” Safe Deposit Box ($15 off a large box)
- Free Traveler’s Cheques
- Free Wire Transfers (limit 1 per quarter; no international wires)
- Free MasterMoney Debit Card or ATM Card*
- Overdraft Privilege Service Limit-up to $1000
*Subject to approval.
Fees apply to each Overdraft Privilege Service transaction.
Money Market Checking
The flexibility of this account earns you higher dividends while allowing you to deposit, withdraw, and write checks on your investment. We'll even provide you with a free box of checks. The minimum balance to open an account is $2,500.00. The higher the balance you maintain, the higher your dividend rate.
(If your daily balance drops below $2,500.00, you will continue to earn dividends, but a $10.00 monthly fee will be assessed. You may make up to six pre-authorized withdrawals per month, with no more than three by check. A fee of $3.00 will be charged for each additional withdrawal during the month. Over-the-counter withdrawals are unlimited.)
Savings & Investment
You’ll have peace of mind knowing that your hard-earned profit is earning dividends in your Envision Federal business savings account with no monthly service charge. The minimum opening balance is only $5 and there’s no minimum balance to earn dividends. The first six withdrawals are free and only $3 per transactions afterward. Even better, we’ll be happy to link your business savings account to your business checking account to ensure all your funds work as hard for you as you do for them. Manage your account online for free and sign up for e-Statements…the faster way to balance the books!
(If your daily balance drops below $2,500.00, you will continue to earn dividends, but a $10.00 monthly fee will be assessed. You may make up to six pre-authorized withdrawals per month, with no more than three by check. A fee of $3.00 will be charged for each additional withdrawal during the month. Over-the-counter withdrawals are unlimited. There is no Overdraft Privilege Service on this account.)
Business Checking
Envision Federal offers great business checking accounts to our member business owners. Choose from a free business checking account or a dividend-bearing account with a low, $7 per month service charge. This is business banking like you’ve never seen it. No charge per deposit item, no charge to see a teller, no charge for number of checks or debits, and no minimum balance required. Free online banking with Envision Federal’s e-Branch allows you to manage your funds quickly and easily as well as enables you to download your account data to Quicken© or Microsoft Money©. Stop by one of our locations to find out more about our business checking accounts…we’ll be happy to help!
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