--- title: "Vision Financial Credit Union Rates (Nov 2026): CDs to 4.00%" description: "Vision Financial Credit Union rates today: savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Vision Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/vision-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Vision Financial Credit Union Rates (Nov 2026): CDs to 4.00% ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **New Auto (Less than 10,000 miles)** auto_new_72mo | — APR | 3.990% | 72 mo · new | Standard | | **60-Month Auto Loan (2024–2026)** auto_any_60mo | — APR | 4.490% | 60 mo | Standard | | **60-Month Auto Loan (2022–2023)** auto_any_60mo | — APR | 4.490% | 60 mo | Standard | | **54-Month Auto Loan (2020–2021)** auto_any_54mo | — APR | 4.750% | 54 mo | Standard | | **New Auto (Less than 10,000 miles)** auto_new_84mo | — APR | 4.990% | 84 mo · new | Standard | | **72-Month Auto Loan (2024–2026)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **72-Month Auto Loan (2022–2023)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **2019 & Older- Max LTV < 90%** auto_used_42mo | — APR | 7.990% | 42 mo · used | Standard | | **Horse/Utility Trailers New & Used up to 80% LTV** powersports_any_72mo | — APR | 7.990% | 72 mo · any | Standard | | **Boats/Campers/RV - Used up to 80% LTV** boat_used | — APR | 8.000% | used | Standard | | **Boats/Campers/RV - New up to 80% LTV** boat_new_120mo | — APR | 8.000% | 120 mo · new | Standard | Vision Financial Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Fixed 80% or less LTV- Second position Deed of Trust** heloc_fixed | — APR | 6.250% | — | Standard | Vision Financial Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Savings Secured Loan (Savings/CD Rate + 3.0%)** personal_secured_60mo | — APR | 3.100% | 60 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 10.500% | — | Standard | | **Personal/Signature Loan** personal_unsecured_60mo | — APR | 10.500% | 60 mo | Standard | | **Overdraft Line of Credit** personal | — APR | 18.000% | — | Standard | Vision Financial Credit Union personal loan rates as of November 12, 2026 ### Student loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Student Loan** student | 3.850% APR | 3.780% | — | Standard | Vision Financial Credit Union student loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Vision Visa Credit Card - Platinum** credit_card_platinum | — APR | 7.500% | — | Standard | | **Vision Visa Credit Card - Classic** credit_card | — APR | 12.950% | — | Standard | Vision Financial Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Share Checking (ADB $500)** checking | 0.05% APY | 0.05% | — | Standard | | **Savings** share_savings | 0.10% APY | 0.10% | — | Standard | | **Christmas Club** cd_12mo | 0.15% APY | 0.15% | 12 mo | Specialty offer | | **Money Market (Min. $2,500)** money_market | — APY | 1.20% | — | Standard | | **Roth IRA, Coverdell and Health Savings Account** ira | — APY | 3.00% | — | Standard | | **Roth IRA, Coverdell and Health Savings Account** ira | 3.04% APY | 3.00% | — | Standard | | **6-Month IRA Certificate** ira_cd_6mo | 3.65% APY | 3.59% | 6 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 3.80% APY | 3.74% | 12 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | 3.85% APY | 3.78% | 18 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.95% APY | 3.88% | 24 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 4.00% APY | 3.93% | 36 mo | Standard | Vision Financial Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/vision-financial) , verified from [Vision Financial Credit Union's official website](https://www.vffcu.org/) Loading branch locator… ## About Vision Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.1K Assets $60.3M Founded 1960 Locations reported 3 NCUA charter 13492 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**State Employees'** DURHAM - BEN FRANKLIN BLVD · DURHAM · NC · 27704 About 3.8 miles away](https://rateapi.dev/credit-unions/north-carolina/state-employees) [**Latino Community** Durham North · Durham · NC · 27704 About 4.2 miles away](https://rateapi.dev/credit-unions/north-carolina/latino-community) [**Civic** Durham · Durham · NC · 27701 About 4.9 miles away](https://rateapi.dev/credit-unions/north-carolina/civic) [**Self-Help** Durham · Durham · NC · 27701-3215 About 5.2 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) [**Coastal** IBM Bldg. 500 (CPL) #115 · Durham · NC · 27703 About 5.8 miles away](https://rateapi.dev/credit-unions/north-carolina/coastal) [**Duke University** Main Office · Durham · NC · 27705-4600 About 5.9 miles away](https://rateapi.dev/credit-unions/north-carolina/duke-university) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Vision Financial Credit Union Membership eligibility from Vision Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Vision Financial Credit Union's website. Check the membership page below to confirm whether you qualify. - Location durham, cumberland — NC - Employer other employee groups - Association The North Carolina Consumers Council (NCCC) **Cost to join:** About $20. Verified from [Vision Financial Credit Union's membership page](https://www.vffcu.org/index.php/join) . Final membership determination is always made by the credit union. ## Membership rules for Vision Financial Credit Union Geography 2 counties · Employers · Associations · Family 2 11 published paths to membership, last verified August 27, 2026, quoted from Vision Financial Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Cumberland County, NC - Durham County, NC “Membership is open to anyone who lives, works, or worships in portions of Durham County and Cumberland County, North Carolina” > [source ↗](https://www.vffcu.org/index.php/join) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of other employee groups “as well as employees of a number of other employee groups.” > [source ↗](https://www.vffcu.org/index.php/join) - Employee of other employee groups ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of The North Carolina Consumers Council (NCCC) “You can also qualify for membership by joining The North Carolina Consumers Council (NCCC) for a $20 tax-deductible NCCC membership fee.” > [source ↗](https://www.vffcu.org/index.php/join) - Member of The North Carolina Consumers Council (NCCC) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family members, household member “Additionally, immediate family members of an already established member as well as anyone who lives in the same household as an already established member are eligible to join the credit union.” > [source ↗](https://www.vffcu.org/index.php/join) - Family member (immediate family members, household member) of a member - Family of someone eligible immediate family, household member “Additionally, immediate family members of an already established member as well as anyone who lives in the same household as an already established member are eligible to join the credit union.” > [source ↗](https://www.vffcu.org/index.php/join) - Family member (immediate family, household member) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Vision Financial Credit Union? Yes No ## Work at Vision Financial Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Vision Financial Credit Union ranks against North Carolina peers. - See which AI assistants fetched Vision Financial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=vision-financial&state=north-carolina&code=NC&name=Vision%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Vision Financial Credit Union offer? Vision Financial Credit Union currently offers vehicle loan, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Vision Financial Credit Union rates updated? RateAPI verifies Vision Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Vision Financial Credit Union's rate data? Rate data is collected directly from Vision Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Vision Financial Credit Union's best CD rate? As of November 12, 2026, Vision Financial Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Vision Financial Credit Union? Vision Financial Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 2 counties, 1 employer and 1 association for Vision Financial Credit Union, each quoted from Vision Financial Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Vision Financial Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-carolina) [North Carolina HELOC rate leaders](https://rateapi.dev/heloc-rates/north-carolina) [North Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/north-carolina) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.vffcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Vision Financial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Vision Financial Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /vision-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Vision Financial Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/north-carolina/vision-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp