Credit union · NCUA insured
Vision One Credit Union CD Rates
Vision One Credit Union’s best CD rate is 4.00% APY on a 3-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Vision One Credit Union’s CD rates compare
Compared with banks and credit unions near Sacramento, CA, where Vision One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vision One Credit Union
1.70%APY
- Term
- 36–47 months
- Minimum
- —
- Earns on $10,000
- —
Savings Certificate
Top rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
Heritage Community Credit Union
4.40%APY
- Term
- 22 months
- Minimum
- $1,000
- Earns on $10,000
- $821
Vision One Credit Union CD score
62
CD score
Higher than 6% of U.S. banks and credit unions
- 3–8 months3–8 mo1.40%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo1.60%
- 31–60 months31–60 mo1.70%
- QualifiedQualified1.70%
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 One 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.
Savings Certificate
Up to 1.70%APY · 7 terms
A $1,000 minimum balance is required to earn APY, unless otherwise stated. Flexible Savings Certificate requires $500 minimum balance for APY; Bump-Up Savings Certificate requires $10,000 minimum balance for APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY · $500 – $24,999 | APY · $1,000 – $24,999 | APY · $10,000 – $24,999 | APY · $25,000 – $250,000 | APY · $25,000 – $89,999 | APY · $25,000 – $49,999 | APY · $50,000 – $89,999 | APY · $90,000 and up | APY · $90,000 – $249,999 | APY · $250,000 and up | APY · $250,000 – $349,999 | APY · $350,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3–11 months6 Month Savings Certificate (3-11 Month Term) | — | 1.40% | — | — | — | 1.45% | 1.45% | — | 1.50% | — | 4.00% | 4.00% | 1.40%1.45% $25k–$50k1.45% $50k–$90k1.50% $90k–$250k4.00% $250k–$350k4.00% from $350k | $35 |
| 3 monthsFlexible Savings Certificate; $500 minimum balance for APY | 1.05% | — | — | 1.10% | — | — | — | — | — | 3.50% | — | — | 1.05%1.10% $25k–$250k3.50% from $250k | $26 |
| 12–17 months12 Month Savings Certificate (12-17 Month Term) | — | 1.50% | — | — | — | 1.55% | 1.55% | — | 1.60% | — | 1.60% | 1.65% | 1.50%1.55% $25k–$50k1.55% $50k–$90k1.60% $90k–$250k1.60% $250k–$350k1.65% from $350k | $150 |
| 18–23 months18 Month Savings Certificate (18-23 Month Term) | — | 1.55% | — | — | — | 1.60% | 1.60% | — | 1.65% | — | 1.65% | 1.70% | 1.55%1.60% $25k–$50k1.60% $50k–$90k1.65% $90k–$250k1.65% $250k–$350k1.70% from $350k | $233 |
| 24–35 months24 Month Savings Certificate (24-35 Month Term) | — | 1.60% | — | — | — | 1.65% | 1.70% | — | 1.70% | — | 1.75% | 1.80% | 1.60%1.65% $25k–$50k1.70% $50k–$90k1.70% $90k–$250k1.75% $250k–$350k1.80% from $350k | $323 |
| 24–36 monthsBump-Up Savings Certificate; $10,000 minimum balance for APY | — | — | 1.40% | — | 1.50% | — | — | 1.55% | — | — | — | — | 1.40%1.50% $25k–$90k1.55% from $90k | $282 |
| 36–47 months36 Month Savings Certificate (36-47 Month Term) | — | 1.70% | — | — | — | 1.75% | 1.80% | — | 1.80% | — | 1.90% | 1.95% | 1.70%1.75% $25k–$50k1.80% $50k–$90k1.80% $90k–$250k1.90% $250k–$350k1.95% from $350k | $519 |
Special-purpose accounts
IRA Certificate
Up to 1.70%APY · 7 terms
Shares the Regular & IRA Certificates rate schedule. An IRA administration fee of $12.00 per year applies. A $1,000 minimum balance is required to earn APY, unless otherwise stated. Flexible Savings Certificate requires $500 minimum balance for APY; Bump-Up Savings Certificate requires $10,000 minimum balance for APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY · $500 – $24,999 | APY · $1,000 – $24,999 | APY · $10,000 – $24,999 | APY · $25,000 – $250,000 | APY · $25,000 – $89,999 | APY · $25,000 – $49,999 | APY · $50,000 – $89,999 | APY · $90,000 and up | APY · $90,000 – $249,999 | APY · $250,000 and up | APY · $250,000 – $349,999 | APY · $350,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3–11 months6 Month Savings Certificate (3-11 Month Term) | — | 1.40% | — | — | — | 1.45% | 1.45% | — | 1.50% | — | 4.00% | 4.00% | 1.40%1.45% $25k–$50k1.45% $50k–$90k1.50% $90k–$250k4.00% $250k–$350k4.00% from $350k | $35 |
| 3 monthsFlexible Savings Certificate; $500 minimum balance for APY | 1.05% | — | — | 1.10% | — | — | — | — | — | 3.50% | — | — | 1.05%1.10% $25k–$250k3.50% from $250k | $26 |
| 12–17 months12 Month Savings Certificate (12-17 Month Term) | — | 1.50% | — | — | — | 1.55% | 1.55% | — | 1.60% | — | 1.60% | 1.65% | 1.50%1.55% $25k–$50k1.55% $50k–$90k1.60% $90k–$250k1.60% $250k–$350k1.65% from $350k | $150 |
| 18–23 months18 Month Savings Certificate (18-23 Month Term) | — | 1.55% | — | — | — | 1.60% | 1.60% | — | 1.65% | — | 1.65% | 1.70% | 1.55%1.60% $25k–$50k1.60% $50k–$90k1.65% $90k–$250k1.65% $250k–$350k1.70% from $350k | $233 |
| 24–35 months24 Month Savings Certificate (24-35 Month Term) | — | 1.60% | — | — | — | 1.65% | 1.70% | — | 1.70% | — | 1.75% | 1.80% | 1.60%1.65% $25k–$50k1.70% $50k–$90k1.70% $90k–$250k1.75% $250k–$350k1.80% from $350k | $323 |
| 24–36 monthsBump-Up Savings Certificate; $10,000 minimum balance for APY | — | — | 1.40% | — | 1.50% | — | — | 1.55% | — | — | — | — | 1.40%1.50% $25k–$90k1.55% from $90k | $282 |
| 36–47 months36 Month Savings Certificate (36-47 Month Term) | — | 1.70% | — | — | — | 1.75% | 1.80% | — | 1.80% | — | 1.90% | 1.95% | 1.70%1.75% $25k–$50k1.80% $50k–$90k1.80% $90k–$250k1.90% $250k–$350k1.95% from $350k | $519 |
Sources (3)
All captured Sep 16, 2026
Who can join Vision One Credit Union
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.
Membership information collected October 5, 2026.