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Loan Rates

Effective as of November 1, 2024

 Loan Type

Term

APR*
as low as

 New Auto (Less than 10,000 miles)

 Up to 72 months

4.75%

 73-84 months

 5.75%

  Used Auto

  Year Model 2022-2024

up to 60 months

5.50%

  Year Model 2022-2024

61-72 months

6.50%

  Year Model 2020-2021

up to 60 months

5.50%

  Year Model 2020-2021

61-72 months

6.50%

  Year Model 2018-2019

max term 54 months

6.50%

  2017 & 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

3.10%

 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 September 1, 2024

 Certificates

Term

Rate

APY*

 Certificate or IRA 6 Months 3.90% 3.97%
 Certificate or IRA 12 Months 4.00% 4.07%
 Certificate or IRA 18 Months 4.05% 4.13%
 Certificate or IRA 24 Months 4.05% 4.13%
 Certificate or IRA 36 Months 3.30% 3.35%
 Student 18 Months 4.05% 4.13%


*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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