Loan Rates

Effective as of January 1, 2024

 Loan Type

Term

APR*
as low as

 New Auto (Less than 10,000 miles)  Up to 72 months 5.00%
 73-84 months  6.00%
  Used Auto
  Year Model 2022-2024 up to 60 months 5.50%
  Year Model 2022-2024 61-72 months 6.50%
  Year Model 2020-2021 up to 60 months 5.50%
  Year Model 2020-2021 61-72 months 6.50%
  Year Model 2018-2019 max term 54 months 6.50%
  2017 & Older- Max LTV < 90%  up to 42 months  7.99%
  Horse/Utility Trailers
  New & Used up to 80% LTV
max term 72 months 7.99%
 Savings Secured Loan (Savings/CD Rate + 3.0%)  up to 60 months 3.10%
 Personal/Signature Loan max term 60 months 12.95% 
 Personal Line of Credit   12.95%
 Overdraft Protection Loan   18.00%
 Home Equity Fixed 80% or less LTV - First position Deed of Trust 12 - 180 Months 7.00%
 Home Equity Fixed 80% or less LTV- Second position Deed of Trust 12 - 180 Months 7.00%
 Vision Visa Credit Card - Classic   12.95%
 Vision Visa Credit Card - Platinum Fixed rate 7.50%

*APR = Annual Percentage Rate
Interest Rate to be determined by Equifax Beacon Score on date of loan closing.

Contact a loan officer

Let us help you find the loan that's right for you.

Vision Financial Federal Credit Union
214 Pacific Avenue
PO Box 15818
Durham, North Carolina 27704
Phone: (919) 477-0696
        or (800) 235-8455
Fax: (919) 471-8211
Routing Number: 253175517

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