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Vision Financial Credit Union Share
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Overview Share
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Vision Financial Credit Union is a federal credit union based in Durham, North Carolina. It has been opened since 1960, for 62 years.

With around $49,440,000 in assets, Vision Financial Credit Union is considered to be an average size credit union. It has 3 branches and 1 ATM locations.

About Share
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Address Po Box 15818
Durham, North Carolina 27704
Website http://www.vffcu.org
Phone (919) 477-0696
Fax (919) 471-8211
CEO Dawn Swaningson
President of the Board Larry Ray
Services Offered
Score Card Share
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62 years
Years in business
Opened in 1960
Well Capitalized
Net worth classification
Source: NCUA
9,791 members
Membership type: Multiple common bond – primary communications and utilities
Above average number of members
466:1
Credit union member to staff ratio
466 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$49,439,217
Total assets
Average size
3 branches
Compared with an average of 4 nationally and 7 in North Carolina
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
12.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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3 branches
Compared with an average of 4 nationally and 7 in North Carolina
Above average number of branches
Vision Financial Credit Union Branch Locations
Members Share
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9,791 members
Membership type: Multiple common bond – primary communications and utilities
Above average number of members

With 9,791 members, the Vision Financial Credit Union is considered to be a large credit union. It is larger than 70% of credit unions.

Fees Share
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$54
Average fee per member
The average fee per member at the Vision Financial Credit Union is $54, which is comparable to most credit unions. This rate is lower than 46% 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 Vision Financial Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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466:1
Credit union member to staff ratio
466 per each FTE employee
Compared to 411:1 nationally
Fewer staff
21 staff members
FTE (full-time equivalent)
9% of employees are part-time
20 full-time, 2 part-time

Vision Financial Credit Union has 20 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 91% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Vision Financial Credit Union has around 466 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$49,439,217
Total assets
Average size
Net worth Share
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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.
9.7%
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 Share
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$4,903
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 90% of credit unions.

Vision Financial Credit Union holds a total of $24,980,000 in loans and leases, which is about $4,903 per member on average.

Savings interest rate Share
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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. Vision Financial Credit Union pays 0.10%.

Loan rates Share
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12.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
16.99%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.10%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.99%
New car loan rate
Compared to 4.0% nationally
4.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.25%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Vision Financial Credit Union: Natal Street Office
Credit Union Branch: 3190 Natal Street
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