Vision Financial Federal Credit Union


Overview / Commentary
919-477-0696
214 Pacific Ave
Durham, NC 27704

Vision Financial Federal Credit Union is headquartered in Durham and is the 35th largest credit union in the state of North Carolina. It is also the 2,329th 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.
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Health
B+
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 Chartered1960
Employees18
Primary Regulator
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD7.78%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$56.6MM$57.5MM
LoansQ4 2024vs Q4 2023$20.7MM$20.3MM
DepositsQ4 2024vs Q4 2023$47.2MM$48.6MM
Equity CapitalQ4 2024vs Q4 2023$9MM$8.3MM
Loan Loss AllowanceQ4 2024vs Q4 2023$155K$102K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$5K$23K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
Rates
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Vision Financial Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$2.5k-Money Market Account

Vision Financial Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Share Checking Account

Vision Financial Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office4473 Durham RdRoxboro, NC 27574-6372
Branch Office214 Pacific AveDurham, NC 27704
Branch Office3190 Natal StFayetteville, NC 28306-2865

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