Vision Financial Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.vffcu.org

919-477-0696

214 Pacific Ave
Durham, NC 27704

Vision Financial Federal Credit Union is headquartered in Durham and is the 35^th largest credit union in the state of North Carolina. It is also the 2,329^th largest credit union in the nation. It was established in 1960 and as of December of 2024, it had grown to 18 employees and 6,421 members at 3 locations. Vision Financial Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Vision Financial Federal Credit Union is open to anyone through membership in the North Carolina Consumer Council ($18 membership fee). Membership is also open to the following: (1) those who live, work, or worship in select areas of Durham County and Cumberland County in North Carolina; (2) to employees of Durham VA Hospital, GTE/Verizon - NC, SC, GA, and over 50 area Select Employer Groups.
See current membership details

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Health

B+

Data as of Q4 2024

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Vision Financial Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	13492
Year Chartered	1960
Employees	18
Primary Regulator

Profit Margin
Return on Assets - YTD	1.22%
Return on Equity - YTD	7.78%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$56.6MM$57.5MM
Loans	Q4 2024vs Q4 2023	$20.7MM$20.3MM
Deposits	Q4 2024vs Q4 2023	$47.2MM$48.6MM
Equity Capital	Q4 2024vs Q4 2023	$9MM$8.3MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$155K$102K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$5K$23K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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Vision Financial Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$0	-	Health Savings Account
0.15%	$0	-	Christmas Club
0.15%	$0	-	Vacation Club
0.10%	$25	-	Share Savings

Vision Financial Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.21%	$2.5k	-	Money Market Account

Vision Financial Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Share Checking Account

Vision Financial Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$0	-	12 Month Share Certificate
3.97%	$0	-	6 Month Share Certificate
3.82%	$0	-	24 Month Share Certificate
3.71%	$0	-	18 Month Share Certificate
3.71%	$0	-	18 Month Student Share Certificate
3.30%	$0	-	36 Month Share Certificate

Vision Financial Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$0	-	12 Month IRA
3.97%	$0	-	6 Month IRA
3.82%	$0	-	24 Month IRA
3.71%	$0	-	18 Month IRA
3.30%	$0	-	36 Month IRA
1.51%	$0	-	Traditional IRA Account
1.51%	$0	-	Roth and CESA IRA Account

Locations

Vision Financial Federal Credit Union Locations
Branch Office	4473 Durham Rd	Roxboro, NC 27574-6372
Branch Office	214 Pacific Ave	Durham, NC 27704
Branch Office	3190 Natal St	Fayetteville, NC 28306-2865

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