Vision One Credit Union

Popular Accounts at this Credit Union

1.20%1-year CD12 Month Savings Certificate
0.25%SavingsCookie Jar Account
1.50%3-year CD36 Month Savings Certificate

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

Vision One Credit Union is headquartered in Sacramento and is the 163rd largest credit union in the state of California. It is also the 1,840th largest credit union in the nation. It was established in 1951 and as of June of 2018, it had grown to 10 employees and 2,069 members at 1 location. Vision One Credit Union's money market rates are 2X the national average, and it boasts 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.
See current membership details


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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

NCUA #63137
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD1.26%
Return on Equity - YTD9.09%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$79.9MM$67.5MM
LoansQ2 2018vs Q2 2017$73.4MM$57.4MM
DepositsQ2 2018vs Q2 2017$65.7MM$57.1MM
Equity CapitalQ2 2018vs Q2 2017$10.9MM$10.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.3MM$1.3MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$0$0
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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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

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

1.00%*$250k*-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
1.00%*$250k*-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
1.00%*$250k*-IRA Money Market Account
OTHER TIERS: 0.25% $100 - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $90k | 0.65% $90k - $250k

Vision One Credit Union Checking Account Rates

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

1.50%*$250k*-36 Month Savings Certificate
OTHER TIERS: 1.10% $1k - $25k | 1.15% $25k - $50k | 1.25% $50k - $90k | 1.35% $90k - $250k
1.35%*$250k*-24 Month Savings Certificate
OTHER TIERS: 0.85% $1k - $25k | 0.95% $25k - $50k | 1.05% $50k - $90k | 1.15% $90k - $250k
1.25%*$250k*-18 Month Savings Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.70% $25k - $50k | 0.80% $50k - $90k | 0.90% $90k - $250k
1.20%*$250k*-12 Month Savings Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.65% $25k - $50k | 0.70% $50k - $90k | 0.80% $90k - $250k
1.10%*$250k*-3-6 Month Savings Certificate
OTHER TIERS: 0.50% $1k - $25k | 0.55% $25k - $50k | 0.60% $50k - $90k | 0.70% $90k - $250k
0.80%*$90k*-24-36 Month Bump-Up Savings Certificate
OTHER TIERS: 0.55% $10k - $90k
0.45%$500-6 Month Flexible Savings Certificate

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

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