All branches will be closed on Monday, October 12th, in observance of Columbus Day.
To check your balances, please utilize VisionNet24 or Access24.

Loan Rates

Effective as of January 1, 2026

 Loan Type
 

Term
 

APR*
as low as

 New Auto (Less than 10,000 miles)

 Up to 72 months

 4.25%

 73-84 months

 5.25%

  Used Auto

  Year Model 2024-2026

up to 60 months

 4.75%

  Year Model 2024-2026

61-72 months

 5.75%

  Year Model 2022-2023

up to 60 months

 4.75%

  Year Model 2022-2023

61-72 months

 5.75%

  Year Model 2020-2021

max term 54 months

 4.75%

  2019 & Older- Max LTV < 90%

 up to 42 months

 7.99%

  Boats/Campers/RV - New up to 80% LTV

max term 120 months

 8.00%

  Boats/Campers/RV - Used up to 80% LTV

max term 84

 8.00%

  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

 10.50% 

 Personal Line of Credit

 

 10.50%

 Overdraft Protection Loan

 

 18.00%

 Home Equity Fixed 80% or less LTV - First position Deed of Trust

12 - 180 Months

 6.25%

 Home Equity Fixed 80% or less LTV- Second position Deed of Trust

12 - 180 Months

 6.25%

 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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