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One Vision Credit Union

Overview
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One Vision Credit Union is a federal credit union based in Clarksville, Indiana. It has been opened since 1954, for 66 years.

With around $55,720,000 in assets, One Vision Credit Union is considered to be an average size credit union. It has 2 branches and 2 ATM locations.

About
Address Po Box 2007
Clarksville, Indiana 47131
Website http://www.onevisionfcu.org
Phone (812) 945-4600
Fax (812) 945-4329
CEO Pamela A. Goodman
President of the Board Michael Jaynes
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
5,047 members
Membership type: Community credit union
Average number of members
280:1
Credit union member to staff ratio
280 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$55,719,066
Total assets
Average size
2 branches
Compared with an average of 4 nationally and 3 in Indiana
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
10.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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2 branches
Compared with an average of 4 nationally and 3 in Indiana
Above average number of branches
One Vision Credit Union Branch Locations

One Vision Credit Union: State Street Branch
2441 State Street Suite A.
New Albany, Indiana 47150
ATM Available
One Vision Credit Union: Lewis & Clark Branch
206 W. Lewis and Clark Parkway
Clarksville, Indiana 47129
ATM Available
Members
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5,047 members
Membership type: Community credit union
Average number of members

With 5,047 members, the One Vision Credit Union is considered to be a medium size credit union. It is larger than 57% of credit unions.

Fees
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$40
Average fee per member
The average fee per member at the One Vision Credit Union is $40, which is comparable to most credit unions. This rate is lower than 57% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the One Vision Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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280:1
Credit union member to staff ratio
280 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
18 staff members
FTE (full-time equivalent)
20% of employees are part-time
16 full-time, 4 part-time

One Vision Credit Union has 16 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 80% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. One Vision Credit Union has around 280 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$55,719,066
Total assets
Average size
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$9,049
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 40% of credit unions.

One Vision Credit Union holds a total of $21,540,000 in loans and leases, which is about $9,049 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. One Vision Credit Union pays 0.10%.

Loan rates
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10.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.72%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.87%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.06%
New car loan rate
Compared to 4.0% nationally
5.83%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.25%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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