Credit union · NCUA insured
Vision Financial Federal Credit Union Savings Rates
Vision Financial Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Share Savings. Rates checked October 22, 2026.
How Vision Financial Federal Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $10
Share Savings
Top rate
Coastal Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $325
2nd-highest rate
ElecTel Cooperative Federal Credit Union
2.70%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $270
Vision Financial Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA
3.04%APY
No fees on IRA accounts. Includes Traditional and Roth IRAs. Traditional IRA requires withdrawals to start at age 73.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo fees. Covers Traditional and Roth IRA savings.Any balance | 3.04% | $304 | No fees. Covers Traditional and Roth IRA savings. |
Sources (2)
All captured Sep 19, 2026
Roth IRA, Coverdell and Health Savings Account
3.04%APY
Includes Roth IRA, Coverdell Education Savings Account, and Health Savings Account. Coverdell ESA maximum annual deposit is $2,000 per child, funds must be withdrawn for qualified education expenses before child reaches 30. No account fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo fees on account. Coverdell ESA annual maximum contribution is $2,000 per child from all sources.Any balance | 3.04% | $304 | No fees on account. Coverdell ESA annual maximum contribution is $2,000 per child from all sources. |
Sources (2)
All captured Sep 19, 2026
Christmas Club
0.15%APY · 1 term
Funds roll over into Share Savings on October 31. An early withdrawal fee of $25.00 applies to withdrawals before the rollover date. No maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12-month term; funds roll over to Share Savings on October 31. $25.00 early withdrawal fee prior to rollover date | 0.15% | $15 |
Sources (3)
- vffcu.org/index.php/savings-accts/share-accounts
- vffcu.org/index.php/resources/rate
- vffcu.org/index.php/savings
All captured Sep 19, 2026
Vacation Club
0.15%APY · 1 term
Allows one withdrawal per calendar year without penalty; subsequent withdrawals incur a $25.00 fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12-month term; one withdrawal allowed per calendar year without penalty, subsequent withdrawals incur a $25.00 fee | 0.15% | $15 |
Sources (3)
- vffcu.org/index.php/savings-accts/share-accounts
- vffcu.org/index.php/resources/rate
- vffcu.org/index.php/savings
All captured Sep 19, 2026
Share Savings
0.10%APY
A $3.00 membership fee applies unless the accountholder is under 18, a full-time student, or active duty military. Minimum balance of $25.00 must remain in the account at all times. Dividends are paid quarterly on daily balances of $100.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a daily balance of $100.00 or more to earn dividends. Minimum balance of $25.00 required to maintain account.$100 and up | 0.10% | $10 | Must maintain a daily balance of $100.00 or more to earn dividends. Minimum balance of $25.00 required to maintain account. |
Sources (3)
- vffcu.org/index.php/savings-accts/share-accounts
- vffcu.org/index.php/resources/rate
- vffcu.org/index.php/savings
All 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.