Vision Financial Credit Union
Verified rate book
Current Vision Financial Credit Union rates
28 published offers verified as of August 4, 2026.
Auto & vehicle rates
11 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Auto (Less than 10,000 miles)auto_new_72mo | 4.250% APR | 4.250% | 72 mo · new | Standard |
| 60-Month Auto Loan (2024–2026)auto_any_60mo | 4.750% APR | 4.750% | 60 mo | Standard |
| 54-Month Auto Loan (2020–2021)auto_any_54mo | 4.750% APR | 4.750% | 54 mo | Standard |
| 60-Month Auto Loan (2022–2023)auto_any_60mo | 4.750% APR | 4.750% | 60 mo | Standard |
| New Auto (Less than 10,000 miles)auto_new_84mo | 5.250% APR | 5.250% | 84 mo · new | Standard |
| 72-Month Auto Loan (2022–2023)auto_any_72mo | 5.750% APR | 5.750% | 72 mo | Standard |
| 72-Month Auto Loan (2024–2026)auto_any_72mo | 5.750% APR | 5.750% | 72 mo | Standard |
| 2019 & Older- Max LTV < 90%auto_used_42mo | 7.990% APR | 7.990% | 42 mo · used | Standard |
| Horse/Utility Trailers New & Used up to 80% LTVpowersports_any_72mo | 7.990% APR | 7.990% | 72 mo · any | Standard |
| Boats/Campers/RV - New up to 80% LTVboat_new_120mo | 8.000% APR | 8.000% | 120 mo · new | Standard |
| Boats/Campers/RV - Used up to 80% LTVboat_used | 8.000% APR | 8.000% | used | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Fixed 80% or less LTV- Second position Deed of Trustheloc_fixed | 6.250% APR | 6.250% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Savings Secured Loan (Savings/CD Rate + 3.0%)personal_secured | 3.100% APR | 3.100% | — | Standard |
| Personal/Signature Loanpersonal_unsecured | 10.500% APR | 10.500% | — | Standard |
| Personal Line of Creditploc_variable | 10.500% APR | 10.500% | — | Standard |
| Overdraft Line of Creditpersonal | 18.000% APR | 18.000% | — | Standard |
Student loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Student Loanstudent | 3.450% APR | 3.400% | — | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Vision Visa Credit Card - Platinumcredit_card_platinum | 7.500% APR | 7.500% | — | Standard |
| Vision Visa Credit Card - Classiccredit_card | 12.950% APR | 12.950% | — | Standard |
Savings & CD rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Checking (ADB $500)savings | 0.05% APY | 0.05% | — | Standard |
| Savingsshare_savings | 0.10% APY | 0.10% | — | Standard |
| Christmas Clubsavings | 0.15% APY | 0.15% | — | Specialty offer |
| Money Market (Min. $2,500)money_market | 1.20% APY | 1.20% | — | Standard |
| Roth IRA, Coverdell and Health Savings Accountira | 3.00% APY | 3.00% | — | Standard |
| 6-Month IRA Certificateira_cd_6mo | 3.35% APY | 3.30% | 6 mo | Standard |
| 12-Month IRA Certificateira_cd_12mo | 3.40% APY | 3.35% | 12 mo | Standard |
| 18-Month IRA Certificateira_cd_18mo | 3.45% APY | 3.40% | 18 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 3.50% APY | 3.45% | 36 mo | Standard |
Vehicle loans available from 4.25% APR for 72 months. HELOC rates from 6.25% APR. Personal loan rates from 3.1% APR. Credit card rates from 7.5% APR. Savings and certificate yields up to 3.50% APY.
Source: RateAPI.dev, verified from Vision Financial Credit Union's official website
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. 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.
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.
Membership via the The North Carolina Consumers Council (NCCC) ($20)
- LocationDurham, Cumberland — NC
- AssociationThe North Carolina Consumers Council (NCCC)
Cost to join: About $45 (a $20 membership fee plus a $25 minimum deposit).
Verified from Vision Financial Credit Union's membership page. Final membership determination is always made by the credit union.
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.
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 August 4, 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 August 4, 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 are Vision Financial Credit Union's auto, boat & powersports loan rates?
As of August 4, 2026, Vision Financial Credit Union offers vehicle loans from 4.25% APR.
What is Vision Financial Credit Union's HELOC rate?
As of August 4, 2026, Vision Financial Credit Union offers home equity lines of credit from 6.25% APR.
What is Vision Financial Credit Union's personal loan rate?
As of August 4, 2026, Vision Financial Credit Union offers personal loans from 3.1% APR.
What is Vision Financial Credit Union's best CD rate?
As of August 4, 2026, Vision Financial Credit Union offers savings and certificate (CD) yields up to 3.50% APY.
Related Rate Data
Compare Vision Financial Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack 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.
Use it via API
Access this data programmatically with our REST API
# Get rates for Vision Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/north-carolina/vision-financial" \
-H "Authorization: Bearer YOUR_API_KEY"