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 36th largest credit union in the state of North Carolina. It is also the 2,327th largest credit union in the nation. It was established in 1960 and as of December of 2023, it had grown to 18 employees and 6,675 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+
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 - YTD1.45%
Return on Equity - YTD10.16%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$57.5MM$60.5MM
LoansQ4 2023vs Q4 2022$20.3MM$20.3MM
DepositsQ4 2023vs Q4 2022$48.6MM$52.4MM
Equity CapitalQ4 2023vs Q4 2022$8.3MM$7.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$102K$66K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$23K$35K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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Vision Financial Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%--Health Savings Account
1.51%--Traditional IRA Account
1.51%--Roth and CESA IRA Account
0.15%--Christmas Club
0.15%--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
4.33%--24 Month Share Certificate
4.23%--18 Month Share Certificate
4.18%--12 Month Share Certificate
4.07%--6 Month Share Certificate
3.82%--36 Month Share Certificate
3.66%--18 Month Student Share Certificate

Vision Financial Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%--24 Month IRA
4.23%--18 Month IRA
4.18%--12 Month IRA
4.07%--6 Month IRA
3.82%--36 Month IRA
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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