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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Vision One Credit Union Rates & Review September 2026Vision One Credit Union's 6 Month Savings CD rates are at 4.00%, 36 Month Savings CD rates are at 1.95%, 36 Month Savings CD rates are at 1.90%, 24 Month Savings CD rates are at 1.80%, 36 Month Savings CD rates are at 1.80%. Vision One Credit Union's savings rates are at 0.10%. Vision One Credit Union's money market rates are at 0.85%. MonitorBankRates evaluates the financial stability of Vision One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.93%. Rates last updated and verified on 09/22/2026. Vision One Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vision One Credit Union? Share your experience about Vision One Credit Union by leaving a review below, or read customer reviews before you decide to use Vision One Credit Union. Vision One Credit Union
Corporate/Main 3279 Ramos Cir
https://www.visionone.org Sacramento, CA 95827-2500
Vision One Credit Union CD Rates
Vision One Credit Union Savings Rates
Vision One Credit Union Money Market Rates
Vision One Credit Union Checking Rates
Vision One Credit Union Other Rates
Financial Health HistoryVision One Credit Union’s Texas Ratio fell from 1.49% in Q2 2023 to 0.93% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Vision One Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Vision One Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Vision One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Vision One Credit Union
Website
https://www.visionone.org
Address
3279 Ramos Cir,
Sacramento, CA 95827-2500
Phone
916-363-4293
Fax
916-363-4298
President
Fred Guarcello
CEO
Kenneth Ferreira
Full-Time Employees
10
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.93%
Return on Assets (ROA)
0.1240%
Return on Equity (ROE)
0.7772%
Non-Performing Loans Ratio (NPL)
0.18%
Total Assets
91,602,300
Total Amount of Shares and Deposits
76,400,002
Total Shares and Deposits < 1 Year
68,312,683
Total Shares and Deposits 1 3 Years
2,085,745
Total Shares and Deposits > 3 Years
6,001,574
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,726,993
Total Uninsured Shares and Deposits > $250K (F+J)
25,726,993
Total Insured Shares and Deposits > $250K (item 17 less item K)
50,673,009
Total Interest Expense (Sum of items 6 8)
338,671
Share Certificates
196
Number of Accounts for Share Drafts
553
IRA KEOGH Accounts
111
Number of Accounts for Regular Shares
1,374
All other shares
39
Money Market Shares
78
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,521,442
Total Liabilities
76,990,847
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Vision One Credit UnionHow many branches does Vision One Credit Union operate?Vision One Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Vision One Credit Union?Yes, to access services at Vision One Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Vision One Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Vision One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Vision One Credit Union offer online and mobile banking?Most modern institutions like Vision One Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.visionone.org. Current Vision One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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