Overview / Commentary
800-327-2628
3279 Ramos Cir
Sacramento, CA 95827-2500

Vision One Credit Union is headquartered in Sacramento and is the 160th largest credit union in the state of California. It is also the 1,725th largest credit union in the nation. It was established in 1951 and as of December of 2018, it had grown to 11 employees and 2,157 members at 1 location. Vision One Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to all licensed optometrists in California; California and Ohio Optometric Association employees, members and affiliates; Vision Service Plan staff and member doctors; Colorado Optometric Association staff and members; faculty, staff and students of California and Ohio colleges of optometry; staff members of any practicing optometrist within the field of membership.
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Health
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 One Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #63137
Year Chartered1951
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD6.77%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$88.1MM$68.4MM
LoansQ4 2018vs Q4 2017$75.0MM$63.5MM
DepositsQ4 2018vs Q4 2017$75.4MM$57.4MM
Equity CapitalQ4 2018vs Q4 2017$11.1MM$10.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.4MM$1.3MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$626.00K$175.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vision One Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$500-HSA Checking Account
0.25%$500-Regular Share Savings Account
0.25%$500-IRA Share Account
0.25%$500-Cookie Jar Account
0.25%$100-Young Savers Account

Vision One Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%*$350k*-Money Market Account
OTHER TIERS: 0.40% $2.5k - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $90k | 0.65% $90k - $250k | 1.15% $250k - $350k
1.30%*$350k*-Money Market Checking Account
OTHER TIERS: 0.40% $2.5k - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $90k | 0.65% $90k - $250k | 1.15% $250k - $350k
1.30%*$350k*-IRA Money Market Account
OTHER TIERS: 0.25% $100 - $2.5k | 0.40% $2.5k - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $90k | 0.65% $90k - $250k | 1.15% $250k - $350k

Vision One Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$40k*-20/20 Business Checking Account
OTHER TIERS: 0.05% $1k - $5k | 0.10% $5k - $10k | 0.20% $10k - $40k
0.25%$500-Preferred Checking Account

Vision One Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$350k*-36 Month Savings Certificate
OTHER TIERS: 1.10% $1k - $25k | 1.25% $25k - $50k | 1.40% $50k - $90k | 1.55% $90k - $250k | 1.70% $250k - $350k
1.75%*$350k*-24 Month Savings Certificate
OTHER TIERS: 0.85% $1k - $25k | 1.00% $25k - $50k | 1.15% $50k - $90k | 1.30% $90k - $250k | 1.45% $250k - $350k
1.50%*$350k*-12 Month Savings Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.75% $25k - $50k | 0.90% $50k - $90k | 1.05% $90k - $250k | 1.20% $250k - $350k
1.50%*$350k*-18 Month Savings Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.75% $25k - $50k | 0.90% $50k - $90k | 1.05% $90k - $250k | 1.20% $250k - $350k
1.40%*$350k*-3-6 Month Savings Certificate
OTHER TIERS: 0.50% $1k - $25k | 0.65% $25k - $50k | 0.80% $50k - $90k | 0.95% $90k - $250k | 1.10% $250k - $350k
1.10%*$90k*-24-36 Month Bump-Up Savings Certificate
OTHER TIERS: 0.70% $10k - $25k | 0.90% $25k - $90k
0.60%*$25k*-6 Month Flexible Savings Certificate
OTHER TIERS: 0.45% $500 - $25k

Vision One Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$350k*-36 Month IRA Certificate
OTHER TIERS: 1.10% $1k - $25k | 1.25% $25k - $50k | 1.40% $50k - $90k | 1.55% $90k - $250k | 1.70% $250k - $350k
1.75%*$350k*-24 Month IRA Certificate
OTHER TIERS: 0.85% $1k - $25k | 1.00% $25k - $50k | 1.15% $50k - $90k | 1.30% $90k - $250k | 1.45% $250k - $350k
1.50%*$350k*-12 Month IRA Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.75% $25k - $50k | 0.90% $50k - $90k | 1.05% $90k - $250k | 1.20% $250k - $350k
1.50%*$350k*-18 Month IRA Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.75% $25k - $50k | 0.90% $50k - $90k | 1.05% $90k - $250k | 1.20% $250k - $350k
1.40%*$350k*-3-6 Month IRA Certificate
OTHER TIERS: 0.50% $1k - $25k | 0.65% $25k - $50k | 0.80% $50k - $90k | 0.95% $90k - $250k | 1.10% $250k - $350k
1.10%*$90k*-24-36 Month Bump-Up IRA Certificate
OTHER TIERS: 0.70% $10k - $25k | 0.90% $25k - $90k
0.60%*$25k*-6 Month Flexible IRA Certificate
OTHER TIERS: 0.45% $500 - $25k
Locations


Vision One Credit Union Locations
Branch Office3279 Ramos CirSacramento, CA 95827-2500

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