Credit union · NCUA insured
Vision One Credit Union
A $91.6M credit union headquartered in Sacramento, CA, with 1,494 members and 1 branch in California. Best rates: CDs 4.00% and savings 0.85% APY.
Vision One Credit Union Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#30 of 35 in Sacramento, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Vision One Credit Union
Established in 1951 as California Optometric Credit Union, Vision One Credit Union operates as a member-owned, not-for-profit financial institution.
The credit union serves independent optometrists and private practice optometry nationwide.
- Headquarters
- 3279 Ramos Cir, Sacramento, CA 95827-2500
- NCUA charter
- 63137
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- California, Colorado, and Ohio Optometric Association members and affiliate societies are eligible for membership.
- All licensed optometrists in California are eligible for membership.
- Vision Service Plan (VSP) member doctors are eligible for membership.
Family and household
- Families of Vision One Credit Union members are eligible for membership.
Cost to join
- Opening deposit of $1,000 required for a Business Checking account.
- Opening deposit and minimum balance of $25 in a Membership Share Savings account to establish business membership.
- Opening deposit of $100 required for a Personal Checking Account.
- Opening deposit and minimum balance of $25 in a Membership Share Savings account to establish personal membership.
Branches
1 branch in California
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California
1 branch
- Corporate/MainMain office3279 Ramos Cir, Sacramento, CA 95827Directions
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 | 16.06% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.21% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $103 | $59 | — |
- CapitalNet worth ratio16.06%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.21%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$103Peers’ 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 One Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.