Loan Rates

Effective as of October 1, 2023

 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 2021-2023 up to 60 months 5.50%
  Year Model 2021-2023 61-72 months 6.50%
  Year Model 2019-2020 up to 60 months 5.50%
  Year Model 2019-2020 61-72 months 6.50%
  Year Model 2017-2018 max term 54 months 6.50%
  2016 & 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 3.05%
 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.

Share Rates

Effective as of January 1, 2024

 Savings

Term

Rate

APY*

 Share Savings   0.10% 0.10%
 Share Checking (ADB $500)   0.05% 0.05%
 Money Market (Min. $2,500)   1.20% 1.21%
 IRA   1.50% 1.51%
 Roth IRA, Coverdell and Health Savings Account   1.50% 1.51%
 Christmas Club 12 Months 0.15% 0.15%
 Vacation Club 12 Months 0.15% 0.15%

*APY = Annual Percentage Yield

Effective as of January 1, 2024

 Certificates

Term

Rate

APY*

 Certificate or IRA 6 Months 4.00% 4.07%
 Certificate or IRA 12 Months 4.10% 4.18%
 Certificate or IRA 18 Months 4.15% 4.23%
 Certificate or IRA 24 Months 4.25% 4.33%
 Certificate or IRA 36 Months 3.75% 3.82%
 Student 18 Months 3.60% 3.66%


*APY = Annual Percentage Yield

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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