Vantage Point Federal Credit Union

3600 Oaklawn Blvd.
Hopewell, VA 23860

Share Rates

Share Rates

Share Type Minimum Balance to Earn Dividend Dividend Rate Annual Percentage Yield
Share Savings and Club Accounts $ 500.00 – $4,999.99 0.15% 0.15%
$5,000.00 and up 0.25% 0.25%
Share Draft Checking Account $ 500.00 0.05% 0.05%
Money Market Account $2,000.00 – $25,000.00 0.40% 0.40%
$25,000.01 – $75,000.00 0.60% 0.60%
$75,000.01 and up 0.80% 0.80%
VUTMA (Virginia Uniform Transfer to Minors) $ 100.00 – $4,999.99 0.15% 0.15%
$5,000.00 and up 0.25% 0.25%
Share & IRA Share Certificates (6 month term)* $1,000.00 0.60% 0.60%
Share & IRA Share Certificates (12 month term)* $1,000.00 0.70% 0.70%
Share & IRA Share Certificates (24 month term)* $1,000.00 .90% .90%
Share & IRA Share Certificates (36 month term)* $1,000.00 1.00% 1.00%
Individual Retirement Accounts (IRA’s) $ 100.00 – $4,999.99 0.60% 0.60%
$5,000.00 and up 0.70% 0.70%


Money Market accounts are limited to 6 electronic transfers per month. For each transaction over the limit, there will be a charge of $5.00. Repeated overages can result in closure of the account. Electronic transfers include: preauthorized, automatic, or internet transfers, by telephone order, check, draft, debit card or similar order to another account of the member or to a third party.
Money Market accounts are allow 3 checks per month. Checks must be for a minimum of $250.00 each.


36 Month Share Certificates have a 1 time STEP-UP Feature.

If VPFCU is advertising a higher rate for our 36 Month Share Certificates during the term of YOUR 36 month Share Certificate, you may opt to step your Share Certificate up to the new rate being offered. You may do this ONLY one time during the original term of your 36 month Share Certificate. Rate offerings are subject to change without notice.


Dividends for all accounts are accrued and paid monthly. Dividends are paid from current earning and are declared by the Board of Directors each dividend period. The rates listed above are rates for the applicable dividend period. Last declared dividend was for 01/08/2019 dividend period. Accounts closed prior to the dividend posting will forfeit all accrued dividends.


Share Certificate Rate Sheet – Effective 03/23/2020

*Share Certificate dividends are subject to change weekly. Once purchased the dividend for a Share Certificate will remain the same for the term of the certificate. Certificate penalties apply for early withdrawal. See Fee Schedule
**Rates are current as of press date and are subject to change without prior notice.

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