Vision One Credit Union Savings & Money Market Rates

How Vision One Credit Union’s savings 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
0.85%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$85
Money Market Checking
Top rate
SoFi Bank, National Association
4.40%APY
Requires
Another account
Minimum
—
Earns on $10,000 a year
$440
SoFi Bank, National Association rates
2nd-highest rate
EverBank
4.20%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$420
EverBank rates

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Savings score

Higher than 60% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0000.85%
$100,000 balance$100,0000.95%
QualifiedQualified0.85%

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.

How the score works →

Where Vision One 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.

Money Market Checking

0.85%APY$2,500 to open

Tiered rate share account. Dividends are compounded and credited monthly based on the average daily balance for the calendar month dividend period. A $5.00 monthly service fee applies if the minimum balance is not maintained at the time the fee is assessed; waived with a minimum of $2,500. Account transfer limitations allow no more than six transfers/withdrawals per month by pre-authorized, automatic, internet, telephone, check, draft, or debit card.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $9,999Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.	0.85%	—	Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.
$10,000 – $24,999Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.	0.85%	$85	Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.
$25,000 – $49,999Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.	0.90%	—	Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.
$50,000 – $89,999Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.	0.90%	—	Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.
$90,000 – $249,999Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.	0.95%	—	Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.
$250,000 – $349,999Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.	3.00%	—	Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.
$350,000 and upRate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.	3.00%	—	Rate applies to full balance once tier range is met. $5.00 monthly service fee is waived with a minimum balance of $2,500 when assessed.

Sources (4)

All captured Sep 16, 2026

Cookie Jar Accounts

0.10%APY$25 to open

Dividends compounded and credited monthly based on average daily balance. Monthly deposits of $5.00 or more required to maintain account. Fee of $10.00 applies for withdrawals/transfers in excess of 3 per year. Account converts to Regular Share account after 60 days of inactivity.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $500$25 minimum average daily balance to avoid $1.00 monthly fee. Minimum $100 balance required to earn stated APY tier. $5/month deposit required to maintain account.	0.00%	—	$25 minimum average daily balance to avoid $1.00 monthly fee. Minimum $100 balance required to earn stated APY tier. $5/month deposit required to maintain account.
$500 and up$25 minimum average daily balance to avoid $1.00 monthly fee. APY applies to full balance once $500 tier is met. $5/month deposit required to maintain account.	0.10%	$10	$25 minimum average daily balance to avoid $1.00 monthly fee. APY applies to full balance once $500 tier is met. $5/month deposit required to maintain account.

Sources (3)

All captured Sep 16, 2026

Regular Share Savings

0.10%APY$25 to open

Dividends compounded and credited monthly based on average daily balance. $25 minimum balance (par value of one share) required to open and maintain membership/avoid service fee. Maximum 6 electronic/pre-authorized transfers per month; fees apply for more than 3 withdrawals/transfers per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $500$25 minimum balance to avoid $1.00 monthly fee; minimum $100 average daily balance required to earn stated dividend tier.	0.00%	—	$25 minimum balance to avoid $1.00 monthly fee; minimum $100 average daily balance required to earn stated dividend tier.
$500 and up$25 minimum balance to avoid $1.00 monthly fee; APY applies to full balance once $500 balance tier is met.	0.10%	$10	$25 minimum balance to avoid $1.00 monthly fee; APY applies to full balance once $500 balance tier is met.

Sources (4)

All captured Sep 16, 2026

Special-purpose accounts

IRA Shares

0.10%APYIRA$50 to open

IRA savings account (available as Traditional, Roth, or Educational IRA). Dividends compounded and credited monthly based on average daily balance. Maximum 6 electronic/pre-authorized transfers per month. $12.00 annual administration fee and $10.00 per IRA withdrawal fee apply.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $499$25 minimum average daily balance to avoid $1.00 monthly fee. Minimum $100 balance required to earn stated APY tier. $12.00 annual IRA administration fee applies.	0.00%	—	$25 minimum average daily balance to avoid $1.00 monthly fee. Minimum $100 balance required to earn stated APY tier. $12.00 annual IRA administration fee applies.
$500 and up$25 minimum average daily balance to avoid $1.00 monthly fee. APY applies to full balance once $500 tier is met. $12.00 annual IRA administration fee applies.	0.10%	$10	$25 minimum average daily balance to avoid $1.00 monthly fee. APY applies to full balance once $500 tier is met. $12.00 annual IRA administration fee applies.

Sources (4)

All captured Sep 16, 2026

Young Savers Account

0.10%APYKids and teens$25 to open

Available to members 18 years of age or younger. Dividends compounded and credited monthly based on average daily balance. Maximum 6 electronic/pre-authorized transfers per month; fee applies for withdrawals/transfers in excess of 3 per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100$25 minimum average daily balance to avoid $1.00 monthly fee. For members 18 years of age or younger.	0.00%	—	$25 minimum average daily balance to avoid $1.00 monthly fee. For members 18 years of age or younger.
$100 and up$25 minimum average daily balance to avoid $1.00 monthly fee. For members 18 years of age or younger. APY applies to full balance once $100 tier is met.	0.10%	$10	$25 minimum average daily balance to avoid $1.00 monthly fee. For members 18 years of age or younger. APY applies to full balance once $100 tier is met.

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.

Check membership requirements ↗Branches and institution details

← Vision One Credit Union overview

How Vision One Credit Union’s savings rates compare

Vision One Credit Union savings score

Current savings rates

Money Market Checking

Cookie Jar Accounts

Regular Share Savings

Special-purpose accounts

IRA Shares

Young Savers Account

Who can join Vision One Credit Union

Employers and groups

Family and household

Cost to join