Credit union · NCUA insured
Vision Financial Federal Credit Union Auto Loan Rates
Vision Financial Federal Credit Union auto loans start at 4.25% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How Vision Financial Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Durham, NC, where Vision Financial Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vision Financial Federal Credit Union
4.25%APR
- Terms
- up to 72 months
New Auto (Less than 10,000 miles)
Lowest rate
ElecTel Cooperative Federal Credit Union
3.65%APR
- Terms
- up to 84 months
2nd-lowest rate
RTP Federal Credit Union
3.99%APR
- Terms
- up to 60 months
Vision Financial Federal Credit Union auto loan score
89
Auto loan score
Higher than 88% of U.S. banks and credit unions
- New vehicleNew4.25%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vision Financial Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto (Less than 10,000 miles)
Interest rate determined by Equifax Beacon Score on date of loan closing. 100% financing available for qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 4.25% | Rate as low as. For new autos with less than 10,000 miles. Interest rate determined by Equifax Beacon Score on date of loan closing. |
| 73–84 months | 5.25% | Rate as low as. For new autos with less than 10,000 miles. Interest rate determined by Equifax Beacon Score on date of loan closing. |
Sources (2)
All captured Oct 22, 2026
Used Auto
Interest rate determined by Equifax Beacon Score on date of loan closing. 100% financing available for qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.75% | Rate as low as. Year Model 2024-2026. Interest rate determined by Equifax Beacon Score on date of loan closing. |
| 61–72 months | 5.75% | Rate as low as. Year Model 2024-2026. Interest rate determined by Equifax Beacon Score on date of loan closing. |
| up to 54 months | 4.75% | Rate as low as. Year Model 2020-2021. Interest rate determined by Equifax Beacon Score on date of loan closing. |
| up to 42 months | 7.99% | Rate as low as. 2019 & Older- Max LTV < 90%. Interest rate determined by Equifax Beacon Score on date of loan closing. |
Sources (2)
All captured Oct 22, 2026
Who can join Vision Financial Federal Credit Union
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.
Membership information collected October 4, 2026.