Credit union · NCUA insured
Vision Financial Federal Credit Union
A $60.3M credit union headquartered in Durham, NC, with 6,064 members and 3 branches in North Carolina. Best rates: CDs 3.60% and savings 0.10% APY.
Vision Financial Federal Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#7 of 20 in Durham, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Vision Financial Federal Credit Union
Established by GTE in 1960 as Gentelco Federal Credit Union, the financial cooperative operates as Vision Financial Federal Credit Union.
Headquartered in Durham, North Carolina, it received an underserved designation in 2013 for the City of Durham and operates three branch locations.
The member-owned credit union serves over 10,000 members across more than 100 select employer groups.
- Headquarters
- 214 Pacific Ave, Durham, NC 27704
- NCUA charter
- 13492
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in portions of Durham County and Cumberland County, North Carolina are eligible for membership.
Employers and groups
- Employees of select employee groups served by the credit union are eligible to join.
Family and household
- Immediate family members of an already established member and individuals living in the same household as an already established member are eligible to join.
Other ways
- Individuals can qualify for membership by joining The North Carolina Consumers Council (NCCC) for a $20 tax-deductible fee.
Cost to join
- A $20 tax-deductible membership fee to join the North Carolina Consumers Council (NCCC).
- Must deposit at least $25 into a share account.
Branches
3 branches in North Carolina
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North Carolina
3 branches
Durham area · 2
- Main officeMain office214 Pacific Ave, Durham, NC 27704Directions
- Roxboro Office4473 Durham Rd, Roxboro, NC 27574Directions
Fayetteville area · 1
- Natal Street Office3190 Natal St, Fayetteville, NC 28306Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.82% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.24% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $41 | $59 | — |
- CapitalNet worth ratio16.82%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.24%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$41Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Vision Financial Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.