What are the current interest rates at Vision One Credit Union?

Current rates for Vision One Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 1.55%, 24-Month CD: 1.60%, Savings: 0.10%, MMA: 3.00%

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Vision One Credit Union

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Vision One Credit Union Rates & Review October 2026

Q: How 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Vision One Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 3 Month Flexible Savings CD, 0.10% APY on savings, 3.00% APY on money market accounts, and 0.15% APY on checking, according to rates verified by MonitorBankRates. Other Vision One Credit Union CD rates include 6 Month Savings CD at 4.00%, 24-36 Month Term Bump-Up Savings CD at 4.00%, and 36 Month Savings CD at 1.95%. 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 1.10%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.10%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Vision One Credit Union
Corporate/Main

3279 Ramos Cir
Sacramento, CA 95827-2500

https://www.visionone.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Vision One Credit Union CD Rates

Product	Rate	APY	Term
3 Month Flexible Savings Certificate	-	4.00%	3 Month
Min Balance $500 Details APY=Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $1,000 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
6 Month Savings Certificate	3.92%	4.00%	6 months
Min Balance $250,000 Details Balance: $250,000-$349,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
6 Month Savings Certificate	3.92%	4.00%	6 months
Min Balance $350,000 Details Balance: $350,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24-36 Month Term Bump-Up Savings Certificate	-	4.00%	24-36 Month Term
Min Balance $10,000 Details APY=Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. A $1,000 minimum balance is required to earn APY, unless otherwise stated above. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36 Month Savings Certificate	1.92%	1.95%	36 months
Min Balance $350,000 Details Balance: $350,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36 Month Savings Certificate	1.87%	1.90%	36 months
Min Balance $250,000 Details Balance: $250,000-$349,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24 Month Savings Certificate	1.78%	1.80%	24 months
Min Balance $350,000 Details Balance: $350,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36 Month Savings Certificate	1.78%	1.80%	36 months
Min Balance $50,000 Details Balance: $50,000-$89,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36 Month Savings Certificate	1.78%	1.80%	36 months
Min Balance $90,000 Details Balance: $90,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24 Month Savings Certificate	1.73%	1.75%	24 months
Min Balance $250,000 Details Balance: $250,000-$349,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36 Month Savings Certificate	1.73%	1.75%	36 months
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18 Month Savings Certificate	1.68%	1.70%	18 Month
Min Balance $350,000 Details Balance: $350,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24 Month Savings Certificate	1.68%	1.70%	24 months
Min Balance $50,000 Details Balance: $50,000-$89,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24 Month Savings Certificate	1.68%	1.70%	24 months
Min Balance $90,000 Details Balance: $90,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
36 Month Savings Certificate	1.68%	1.70%	36 months
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12 Month Savings Certificate	1.63%	1.65%	12 months
Min Balance $350,000 Details Balance: $350,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18 Month Savings Certificate	1.63%	1.65%	18 Month
Min Balance $90,000 Details Balance: $90,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18 Month Savings Certificate	1.63%	1.65%	18 Month
Min Balance $250,000 Details Balance: $250,000-$349,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24 Month Savings Certificate	1.63%	1.65%	24 months
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12 Month Savings Certificate	1.58%	1.60%	12 months
Min Balance $90,000 Details Balance: $90,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12 Month Savings Certificate	1.58%	1.60%	12 months
Min Balance $250,000 Details Balance: $250,000-$349,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18 Month Savings Certificate	1.58%	1.60%	18 Month
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18 Month Savings Certificate	1.58%	1.60%	18 Month
Min Balance $50,000 Details Balance: $50,000-$89,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
24 Month Savings Certificate	1.58%	1.60%	24 months
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12 Month Savings Certificate	1.53%	1.55%	12 months
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12 Month Savings Certificate	1.53%	1.55%	12 months
Min Balance $50,000 Details Balance: $50,000-$89,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
18 Month Savings Certificate	1.53%	1.55%	18 Month
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
12 Month Savings Certificate	1.48%	1.50%	12 months
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
6 Month Savings Certificate	1.48%	1.50%	6 months
Min Balance $90,000 Details Balance: $90,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
6 Month Savings Certificate	1.43%	1.45%	6 months
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
6 Month Savings Certificate	1.43%	1.45%	6 months
Min Balance $50,000 Details Balance: $50,000-$89,999 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
6 Month Savings Certificate	1.38%	1.40%	6 months
Min Balance $1,000 Details Balance: $1,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

Vision One Credit Union Savings Rates

Product	Rate	APY
Flexible Savings Certificate	3.44%	3.50%
Min Balance $250,000 Details Balance: $250,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Bump-Up Savings Certificate	1.53%	1.55%
Min Balance $90,000 Details Balance: $90,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Bump-Up Savings Certificate	1.48%	1.50%
Min Balance $25,000 Details Balance: $25,000-$89,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Bump-Up Savings Certificate	1.38%	1.40%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Flexible Savings Certificate	1.09%	1.10%
Min Balance $25,000 Details Balance: $25,000-$249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Flexible Savings Certificate	1.04%	1.05%
Min Balance $500 Details Balance: $500-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Other Savings Accounts	0.10%	0.10%
Min Balance $500 Details Balance: $500 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Regular Share Savings	0.10%	0.10%
Min Balance $500 Details Balance: $500 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Young Savers Account	0.10%	0.10%
Min Balance $100 Details Balance: $100 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

Vision One Credit Union Money Market Rates

Product	Rate	APY
IRA Money Market	2.95%	3.00%
Min Balance $250,000 Details Balance: $250,000-$349,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
IRA Money Market	2.95%	3.00%
Min Balance $350,000 Details Balance: $350,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market	2.95%	3.00%
Min Balance $250,000 Details Balance: $250,000-$349,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market	2.95%	3.00%
Min Balance $350,000 Details Balance: $350,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
IRA Money Market	0.95%	0.95%
Min Balance $90,000 Details Balance: $90,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market	0.95%	0.95%
Min Balance $90,000 Details Balance: $90,000-$249,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
IRA Money Market	0.90%	0.90%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
IRA Money Market	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000-$89,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market	0.90%	0.90%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000-$89,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
IRA Money Market	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
IRA Money Market	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

Vision One Credit Union Checking Rates

Product	Rate	APY
HSA Checking	-	0.15%
Min Balance $500 Details APY=Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10% Oct 9, 20260.15%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Money Market Checking	-	0.15%
Min Balance $500 Details APY=Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Preferred Checking	-	0.15%
Min Balance $500 Details APY=Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10% Oct 9, 20260.15%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
HSA Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Preferred Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

Vision One Credit Union Business Checking Rates

Product	Rate	APY
20/20 Business Checking	0.15%	0.15%
Min Balance $40,000 Details Balance: $40,000 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
20/20 Business Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-$39,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
20/20 Business Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000-$4,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
20/20 Business Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000-$9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

Vision One Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Shares	0.10%	-	0.10%
Min Balance $500 Details Balance: $500 & Above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
IRA Shares	-	-	4.00%
Min Balance $1,000 Details APY=Annual Percentage Yield. The APY is accurate as of the effective date. Rates and terms are subject to change. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 4.00% ▲ 3.90 pts · high 4.00% / low 0.10% Sep 29, 20264.00%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%
Retirement	-	-	4.00%
Details Retirement as high as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Vision One Credit Union’s Texas Ratio rose from 0.00% in Q3 2023 to 1.10% in Q2 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$92M	1.10%	5.0	A+
March 31, 2026	$92M	0.93%	5.0	A+
December 31, 2025	$87M	3.82%	5.0	A+
September 30, 2025	$90M	0.68%	5.0	A+
June 30, 2025	$90M	0.00%	5.0	A+
March 31, 2025	$92M	0.00%	5.0	A+
December 31, 2024	$93M	0.20%	5.0	A+
September 30, 2024	$89M	0.00%	5.0	A+
June 30, 2024	$94M	0.00%	5.0	A+
March 31, 2024	$97M	0.00%	5.0	A+
December 31, 2023	$95M	0.00%	5.0	A+
September 30, 2023	$94M	0.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.10%

Return on Assets (ROA)

0.2999%

Return on Equity (ROE)

1.8680%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

92,019,291

Total Amount of Shares and Deposits

76,627,150

Total Shares and Deposits < 1 Year

68,514,771

Total Shares and Deposits 1 3 Years

2,490,557

Total Shares and Deposits > 3 Years

5,621,822

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

24,672,242

Total Uninsured Shares and Deposits > $250K (F+J)

24,672,242

Total Insured Shares and Deposits > $250K (item 17 less item K)

51,954,908

Total Interest Expense (Sum of items 6 8)

699,116

Share Certificates

204

Number of Accounts for Share Drafts

551

IRA KEOGH Accounts

110

Number of Accounts for Regular Shares

1,386

All other shares

Money Market Shares

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)

12,588,649

Total Liabilities

77,245,412

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Vision One Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

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Frequently Asked Questions About Vision One Credit Union

How 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

12-Month CD1.50%
18-Month CD1.55%
24-Month CD1.60%
Savings0.10%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

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Vision One Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

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Vision One Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Vision One Credit Union

How many branches does Vision One Credit Union operate?

Is a member application needed to join Vision One Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Vision One Credit Union offer online and mobile banking?

Current Vision One Credit Union Rates

Compare to Other Credit Unions