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Fee Schedule

Service Description Fee for Service
ATM (Foreign) Inquiry $1.00 Per Inquiry. A total of 4 free ATM transactions per month at foreign machines; withdrawals and/or inquiries. (The owner of the ATM may also charge you a fee)
ATM (Foreign) Withdrawal $1.00 Per Withdrawal
Account/Deposit Verification $10.00 Per Request
Bill Payment Service $5.00 Per Month. Charged only if inactive for 90 days. Otherwise, it’s FREE
Checking/Draft Reconcilement $10.00 Per Hour
Club 1 Early Withdrawal $10.00 Per Occurrence. Vacation Clubs mature on June 1st of each year.
Club X Early Withdrawal $10.00 Per Occurrence. Christmas Clubs mature on October 15th of each year.
Copy of Check $5.00 Per Draft
Dormant Account $10.00 Per Month. After 12 months no activity
Excessive Share (Savings) Account Withdrawals $5.00 Each. Cash or Check withdrawals in excess of 2 per month on savings accounts will be assessed the fee.
Individual Retirement Account (IRA) Transfers $25.00 Fee charged for transferring IRA assets to another IRA provider.
Individual Retirement Account (IRA) Withdrawals $20.00 Fee charged for withdrawals prior to age 59 1/2.
Overdraft Fee – By ACH, Check, or Debit Card $30.00 Per individual transaction
Loan Extension (Skip-A-Pay) $25.00 Per Loan
Loan Late Charge 5% of Payment Amount Minimum of $10.00
Membership Fee $1.00 One Time
Money Orders $2.00 Each
Non-Member Check Cashing $4.00 For Each Check
Paper Statement Fee $1.00 Per Statement
Quick Loan Application Fee $20.00 Per Application for Quick Loan
Replacement ATM or Debit Plastic $10.00 Per Card
Replacement PIN $10.00 Per Request
Return Check (Deposited/Cashed) $30.00 Per Occurrence
Share Certificate Early Withdrawal 180 Days Interest Penalty applies whether interest has been earned/paid or not
Statement Reprint $5.00 Per Statement
Stop Payment $30.00 Per Draft or ACH
Third Party Teller Check $5.00 Each. Payable to someone other than account owner.
VISA Gift Card $4.95 Each
Wire Fee (Domestic) $20.00 Each
Wire Fee (Foreign) $50.00 Each
DMV Filing Fee $25.00 Each
Mortgage Loan Payoff Requests $25.00 Each
Mortgage Loan Verification Requests $10.00 Each
This Fee Schedule is subject to change.
This Fee Schedule may not include all fees. Pass through fees that are regulated are not printed here.
For additional information, please contact the Credit Union at 804-541-1473.


Privacy Notice

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
Please click “Privacy Notice” for the full disclosure.   Privacy Notice


Funds Availability Policy

This disclosure describes your ability to withdraw funds at Vantage Point Federal Credit Union. This policy applies only to the availability of funds in transaction accounts. The credit union reserves the right to delay availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy.
Please click “Funds Availability Disclosure” for the full disclosure.


Electronic Funds Transfer Notice of Change

This notice of change provides updated information regarding VISA’s account updating services.
Electronic Funds Transfer Notice of Change


VISA Credit Card Agreement

This agreement and disclosure provides updated information regarding VISA’s account updating services and Military Lending Act requirements.  VISA Credit Card Agreement

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