Credit union · NCUA insured
Vantage Point Federal Credit Union CD Rates
Vantage Point Federal Credit Union’s best CD rate is 3.97% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Vantage Point Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where Vantage Point Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vantage Point Federal Credit Union
3.97%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $2,149
Share Certificates
Top rate
The United Methodist Credit Union
5.00%APY
- Term
- 8 months
- Minimum
- $5,000
- Earns on $10,000
- $331
2nd-highest rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Vantage Point Federal Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo3.97%
- QualifiedQualified3.97%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Vantage Point Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.97%APY · 6 terms
Dividends are accrued and paid monthly. Dividends are declared by the Board of Directors each dividend period. Accounts closed prior to dividend posting forfeit all accrued dividends. Early withdrawal penalty applies (180 days interest).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.51% | $174 |
| 12 months | 3.76% | $376 |
| 24 months | 3.82% | $779 |
| 36 monthsFeatures a 1 time STEP-UP Feature. If VPFCU is advertising a higher rate for 36 Month Share Certificates during the term of your certificate, you may opt to step up to the new rate being offered once during the original term | 3.87% | $1,207 |
| 48 months | 3.92% | $1,663 |
| 60 months | 3.97% | $2,149 |
Sources (3)
- vantagepointfcu.org/accounts
- vantagepointfcu.org/accounts/disclosures
- vantagepointfcu.org/accounts/share-rates
All captured Oct 4, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.97%APY · 6 terms
Dividends are accrued and paid monthly. Dividends are declared by the Board of Directors each dividend period. Accounts closed prior to dividend posting forfeit all accrued dividends. Early withdrawal penalty applies (180 days interest).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.51% | $174 |
| 12 months | 3.76% | $376 |
| 24 months | 3.82% | $779 |
| 36 monthsFeatures a 1 time STEP-UP Feature. If VPFCU is advertising a higher rate for 36 Month Share Certificates during the term of your certificate, you may opt to step up to the new rate being offered once during the original term | 3.87% | $1,207 |
| 48 months | 3.92% | $1,663 |
| 60 months | 3.97% | $2,149 |
Sources (2)
All captured Oct 4, 2026
Who can join Vantage Point Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to persons who live, work, worship, volunteer, or attend school in the City of Hopewell, City of Colonial Heights, City of Petersburg, Chesterfield County, Dinwiddie County, Prince George County, or Sussex County.
Cost to join
- A one-time membership fee of $1.00 is required for membership.
- The minimum requirement for membership is a deposit balance of $25.00 into a share account.
Membership information collected October 4, 2026.