Credit union · NCUA insured
Vision Financial Federal Credit Union CD Rates
Vision Financial Federal Credit Union’s best CD rate is 3.60% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Vision Financial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Durham, NC, where Vision Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vision Financial Federal Credit Union
3.60%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,119
Certificates
Top rate
Coastal Credit Union
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $2,462
2nd-highest rate
Civic Federal Credit Union
4.30%APY
- Term
- 17 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $615
Vision Financial Federal Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Vision Financial Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 3.60%APY · 5 terms
Deposit a minimum of $500. Small penalty fee for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.50% | $350 |
| 18 months | 3.55% | $537 |
| 24 months | 3.55% | $723 |
| 36 months | 3.60% | $1,119 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificate
Up to 3.60%APY · 5 terms
There are NO FEES on any of these accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.50% | $350 |
| 18 months | 3.55% | $537 |
| 24 months | 3.55% | $723 |
| 36 months | 3.60% | $1,119 |
Sources (2)
All captured Sep 19, 2026
Student Certificate
3.55%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.55% | $537 |
Sources (1)
- vffcu.org/index.php/resources/rate · captured Sep 19, 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This may be incomplete or out of date, so check with the credit union before you apply.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.