Effective as of August 1, 2025
Loan Type
|
Term |
APR*
|
|
New Auto (Less than 10,000 miles) |
Up to 72 months |
4.75% |
|
73-84 months |
5.75% |
|
|
Used Auto |
||
|
Year Model 2023-2025 |
up to 60 months |
5.00% |
|
Year Model 2023-2025 |
61-72 months |
6.00% |
|
Year Model 2021-2022 |
up to 60 months |
5.00% |
|
Year Model 2021-2022 |
61-72 months |
6.00% |
|
Year Model 2019-2020 |
max term 54 months |
6.00% |
|
2018 & Older- Max LTV < 90% |
up to 42 months |
7.99% |
|
Horse/Utility Trailers |
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.
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 October 1, 2025
Certificates |
Term |
Rate |
APY* |
|
Certificate or IRA |
6 Months |
3.75% |
3.82% |
|
Certificate or IRA |
12 Months |
3.50% |
3.56% |
|
Certificate or IRA |
18 Months |
3.40% |
3.45% |
|
Certificate or IRA |
24 Months |
3.35% |
3.40% |
|
Certificate or IRA |
36 Months |
3.20% |
3.25% |
|
Student |
18 Months |
3.40% |
3.45% |
*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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