Vantage Point Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

vantagepointfcu.org

804-541-1473

3600 Oaklawn Blvd
Hopewell, VA 23860

Vantage Point Federal Credit Union is headquartered in HOPEWELL and is the 61^st largest credit union in the state of Virginia. It is also the 2,563^rd largest credit union in the nation. It was established in 1966 and as of March of 2025, it had grown to 7 employees and 3,042 members at 1 location. Vantage Point Federal Credit Union's money market rates are 6X the national average, and it has a B health rating.

Field of Membership Restrictions

Vantage Point Federal Credit Union is open to businesses or other legal entities and anyone who lives, works, attends school, volunteers or worships in Chesterfield, Dinwiddie, Prince George or Sussex counties, and the cities of Hopewell, Colonial Heights, or Petersburg.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Vantage Point Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	17630
Year Chartered	1966
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	0.24%
Return on Equity - YTD	1.4%
Annual Interest Income	$400K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$43.3MM$43.9MM
Loans	Q1 2025vs Q1 2024	$17.2MM$18.2MM
Deposits	Q1 2025vs Q1 2024	$35.9MM$36.7MM
Equity Capital	Q1 2025vs Q1 2024	$7.2MM$7.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$96K$72K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$533K$517K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vantage Point Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$500	-	Share Savings
0.05%	$100	-	VUTMA (Virginia Uniform Transfer to Minors)
0.05%	$500	-	Christmas Club
0.05%	$500	$100m	Vacation Club
0.05%	$500	-	Easy Saver Club

Vantage Point Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.78%^*	$75k^*	-	Money Market
OTHER TIERS: 2.27% → $2k - $25k \| 2.53% → $25k - $75k

Vantage Point Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.97%	$1k	-	60 Month CD
3.87%	$1k	-	48 Month CD
3.76%	$1k	-	36 Month CD
3.56%	$1k	-	24 Month CD
3.45%	$1k	-	12 Month CD
3.14%	$1k	-	6 Month CD

Vantage Point Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.97%	$1k	-	60 Month IRA
3.87%	$1k	-	48 Month IRA
3.76%	$1k	-	36 Month IRA
3.56%	$1k	-	24 Month IRA
3.45%	$1k	-	12 Month IRA
3.14%	$1k	-	6 Month IRA
0.05%	$100	-	IRA Shares

Locations

Vantage Point Federal Credit Union Locations
Branch Office	3600 OAKLAWN BLVD	HOPEWELL, VA 23860

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