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iAdvertiser Disclosure
Advertiser Disclosure
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 Vantage Point Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Vantage Point Federal Credit Union's Share & IRA CD (60 month term) rates are at 3.97%, Share & IRA CDs (48 month term) rates are at 3.87%, Share & IRA CDs (36 month term) rates are at 3.76%, Share & IRA CDs (24 month term) rates are at 3.56%, Share & IRA CDs (12 month term) rates are at 3.45%. Vantage Point Federal Credit Union's savings rates are at 0.05%. Vantage Point Federal Credit Union's money market rates are at 2.02%. Vantage Point Federal Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Vantage Point Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.90%. Rates were last updated on 04/18/2026. Vantage Point Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vantage Point Federal Credit Union? Share your experience about Vantage Point Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Vantage Point Federal Credit Union. Vantage Point Federal Credit Union
MAIN OFFICE 3600 OAKLAWN BLVD
https://vantagepointfcu.org HOPEWELL, VA 23860 
Vantage Point Federal Credit Union CD Rates
Vantage Point Federal Credit Union Savings Rates
Vantage Point Federal Credit Union Money Market Rates
Vantage Point Federal Credit Union Checking Rates
Vantage Point Federal Credit Union Credit Card Rates
Vantage Point Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Vantage Point Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Vantage Point Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Vantage Point Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Vantage Point Federal Credit Union
Website
https://vantagepointfcu.org
Address
3600 OAKLAWN BLVD,
HOPEWELL, VA 23860
Phone
804-541-1473
Fax
804-458-6573
President
KENNETH EMERSON
CEO
Elizabeth Speight
Full-Time Employees
8
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.90%
Return on Assets (ROA)
0.2486%
Return on Equity (ROE)
1.4701%
Non-Performing Loans Ratio (NPL)
3.08%
Total Assets
43,183,220
Total Amount of Shares and Deposits
35,658,343
Total Shares and Deposits < 1 Year
34,799,695
Total Shares and Deposits 1 3 Years
706,778
Total Shares and Deposits > 3 Years
151,870
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,085,031
Total Uninsured Shares and Deposits > $250K (F+J)
1,085,031
Total Insured Shares and Deposits > $250K (item 17 less item K)
34,573,312
Total Interest Expense (Sum of items 6 8)
120,180
Share Certificates
171
Number of Accounts for Share Drafts
1,826
IRA KEOGH Accounts
72
Number of Accounts for Regular Shares
3,026
All other shares
414
Money Market Shares
48
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,711,419
Total Liabilities
35,880,282
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Vantage Point Federal Credit UnionIs Vantage Point Federal Credit Union a safe place to deposit money?Yes, Vantage Point Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.898894664038%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Vantage Point Federal Credit Union operate?Vantage Point Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Vantage Point Federal Credit Union?Yes, to access services at Vantage Point Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Vantage Point Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Vantage Point Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Vantage Point Federal Credit Union offer online and mobile banking?Most modern institutions like Vantage Point Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://vantagepointfcu.org. Current Vantage Point Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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