Credit union · NCUA insured
Vantage Point Federal Credit Union Savings Rates
Vantage Point Federal Credit Union’s best savings rate is 2.02% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Vantage Point Federal Credit Union’s savings 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
2.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $202
Money Market Account
Top rate
Primis Bank
3.85%APY
- Minimum
- $1
- Earns on $10,000 a year
- $385
2nd-highest rate
Langley Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
Vantage Point Federal Credit Union savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0002.53%
- QualifiedQualified2.02%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
2.02%APY
Limited to 6 electronic transfers per month. Over-limit fee is $5.00 per transaction, and repeated overages may result in account closure. Up to 3 checks per month allowed with a minimum of $250.00 per check. Dividends accrue and pay monthly; closing the account prior to posting forfeits accrued dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $25,000Minimum balance to earn dividend is $2,000.00. | 2.02% | $202 | Minimum balance to earn dividend is $2,000.00. |
| $25,000 – $75,000Tier applies to balances between $25,000.01 and $75,000.00. | 2.27% | — | Tier applies to balances between $25,000.01 and $75,000.00. |
| Over $75,000Tier applies to balances $75,000.01 and up. | 2.53% | — | Tier applies to balances $75,000.01 and up. |
Sources (1)
- vantagepointfcu.org/accounts/share-rates · captured Oct 4, 2026
Share Savings
0.05%APY
A $25.00 deposit into Share Account establishes membership and enables access to all other financial services. Cash or check withdrawals in excess of 2 per month assessed $5.00 fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $5,000 | 0.05% | — |
| $5,000 and up | 0.05% | $5 |
Sources (3)
- vantagepointfcu.org/accounts
- vantagepointfcu.org/accounts/disclosures
- vantagepointfcu.org/accounts/share-rates
All captured Oct 4, 2026
Special-purpose accounts
Christmas, Vacation and Easy Saver Club Accounts
0.05%APY
Allows saving gradually for annual expenses. Christmas Club (Club X) matures on October 15th of each year ($10.00 early withdrawal fee); Vacation Club (Club I) matures on June 15th of each year ($10.00 early withdrawal fee). Easy Saver Club also offered.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $5,000 | 0.05% | — |
| $5,000 and up | 0.05% | $5 |
Sources (3)
- vantagepointfcu.org/accounts
- vantagepointfcu.org/accounts/disclosures
- vantagepointfcu.org/accounts/share-rates
All captured Oct 4, 2026
Individual Retirement Accounts (IRA's)
0.05%APY
$25.00 fee for transferring IRA assets to another IRA provider. $20.00 fee charged for withdrawals prior to age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.05% | — |
| $5,000 and up | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
VUTMA (Virginia Uniform Transfer to Minors)
0.05%APY
Opened by an adult for a child. Adult maintains control until the minor reaches age 18 or 21.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.05% | — |
| $5,000 and up | 0.05% | $5 |
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.