Loan Rates

Effective as of June 16, 2022

Prime Rate 4.75%

 Loan Type

Term

APR*
as low as

 New Auto (Less than 10,000 miles)  Up to 72 months 2.99%
 73-84 months  3.99%
 Used Auto
  Year Model 2020-2022 61-72 months 3.99%
  Year Model 2020-2022 up to 60 months 2.99%
  Year Model 2018-2019 max term 60 months 2.99%
Year Model 2016-2017 max term 54 months 2.99%
  2015 & Older- Max LTV < 90%  up to 42 months  4.99%
 Horse/Utility Trailers
  New & Used up to 80% LTV
max term 72 months 6.99%
 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 2.50%
 Home Equity Fixed 80% or less LTV- Second position Deed of Trust 12 - 180 Months 2.50%
 Home Equity Line of Credit 80% or less LTV (Prime + 0.75% - Minimum rate of 5.50%) 180 Months  5.50%

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

Share Rates

Effective as of March 17, 2022

 Savings

Term

Rate

APY*

 Share Savings   0.05% 0.05%
 Share Checking (ADB $500)   0.05% 0.05%
 Money Market   0.10% 0.10%
 Money Market (Balance over $25,000)   0.10% 0.10%
 IRA   0.30% 0.30%
 Roth IRA, Coverdell and Health Savings Account   0.30% 0.30%
 Christmas Club 12 Months 0.10% 0.10%
 Vacation Club 12 Months 0.10% 0.10%

*APY = Annual Percentage Yield

Effective as of March 17, 2022

 Certificates

Term

Rate

APY*

 Certificate or IRA 6 Months 0.05% 0.05%
 Certificate or IRA 12 Months 0.10% 0.10%
 Certificate or IRA 18 Months 0.15% 0.15%
 Certificate or IRA 24 Months 0.20% 0.20%
 Certificate or IRA 36 Months 0.25% 0.25%


*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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