Credit union · NCUA insured
Vision Financial Federal Credit Union Credit Card Rates
Vision Financial Federal Credit Union credit cards start at 12.95% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Vision Financial Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Durham, NC, where Vision Financial Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Vision Financial Federal Credit Union
12.95%APR
- Up to
- —
Vision Visa Credit Card - Classic
Lowest rate
ElecTel Cooperative Federal Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
RTP Federal Credit Union
10.00%APR
- Up to
- 16.00% APR
Vision Financial Federal Credit Union credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.95%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Vision Visa Credit Card - Classic
Interest Rate to be determined by Equifax Beacon Score on date of loan closing.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.95% | None | Interest Rate to be determined by Equifax Beacon Score on date of loan closing. |
Sources (2)
All captured Oct 7, 2026
Vision Visa Credit Card - Platinum
Normal credit granting guidelines apply. Interest rate to be determined by Equifax Beacon Score on date of loan closing. Fixed rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.50% | None | Fixed rate. Rates as low as 7.50% APR. Determined by Equifax Beacon Score on date of loan closing. No Annual Fee. No Cash Advance Fee. |
Sources (3)
All captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.