We would like to remind our members to be vigilant and aware of any potential points of compromise such as websites, emails and phone text or calls.  Before giving out any personal information to someone you are unsure of, please contact a representative from your local branch.

Loan Rates

Effective as of September 22, 2022

Prime Rate 6.25%

 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 7.00%) 180 Months  7.00%

*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 July 28, 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 0.60% 0.60%
 Certificate or IRA 36 Months 0.75% 0.75%


*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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