Digital Banking is experiencing Device Registration and Secure Access Code (SAC) delivery issues. Mobile users who are unable to proceed past the SAC screen should uninstall and re-install the Visions FCU Mobile app to resolve the issue. For more information, navigate to https://visionsfcu.org/digital.

Rates Effective July 1, 2025
to July 31, 2025
Type of Loan APR1 Term (Months) Amount Financed3 Payment Per $1,000
IBM Stock Secured (electronic) 7.9000 3 120 Months 85% $12.09
Share Secured 5.9900 3 120 Months 100% $11.10
Flex Money Market Secured 6.9900 3 120 Months 100% $11.61

Footnotes

Footnote 1

Annual Percentage Rate

Footnote 3

Variable rates may change monthly based on the applicable margin and index.

Disclosures

Credit Union membership is required with a $1 minimum deposit.

IBM Stock Secured Payment Example: The payment on a $10,000 loan would be $120.90 by using the $12.09 per $1,000 at a variable interest rate of 7.90% APR with a 120 month term.

IBM Stock Secured Loan: Maximum loan amount based on 85% of previous day's closing price listed on the New York Stock Exchange.

Rates advertised are promotional rates. Refinance of existing Visions FCU non-mortgage loans are subject to certain restrictions and conditions, contact the credit union for details.

The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for. Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for.

Credit/Security Agreement