At Vantage Point Federal Credit Union, we offer many different types of accounts, suiting needs of all different kinds. Check out some of what we offer below:
Share Savings Accounts
A Share Saving Account offers safety and convenience with competitive yields. A $25.00 deposit into your Share Account establishes your membership and enables you to take advantage of all our other financial services.
VUTMA (Virginia Uniform Transfer to Minors)
A VUTMA account is opened by an adult for a child to promote a valuable savings plan for your child’s future. The adult maintains control over the account until the minor reaches a specified age of 18 or 21.
When you invest in a Share Certificate, your money will earn a highly competitive dividend rate. Since you lock in the rate for the entire term of your Share Certificate, this is an excellent way to boost your savings yields without the risk of market fluctuations. Check out our 36 Month Step Up Dividend Program.
Christmas, Vacation and Easy Saver Club Accounts
Our Club Accounts allows you to save gradually for any type of annual expense. With regular contributions and competitive dividends, your nest egg will grow quickly and easily. All our savings accounts are insured up to $250,000 by the NCUSIF, a federal agency.
Low-Cost Loans are one of the greatest benefits of credit union membership. Whether you are financing your first car, your dream home or a college education for your kids, you will find low rates, affordable payments and personal service right here at Vantage Point Federal Credit Union.
- New and Used Auto Loans
- Home Improvement Loans
- Consolidation Loans
- Vacation Loans
- Mortgage Loans
- Credit Cards
Share Draft (Checking)
Our Share Draft Checking Accounts give you all the features you want in a checking account, without the fees and hassles you’ll find at other financial institutions.
- No minimum balance requirements
- No per-transaction fees
- Easy-to-reconcile monthly statements
- Electronic Statements
- Online Banking with FREE bill pay service (Details on bill pay website)
This convenient, two-in-one card adds even more convenience to your Vantage Point Federal Credit Union membership! Use it as an ATM Card cash advances, balance inquiries, and more, 24 hours a day. Or use it as a debit card for swipe-and-go purchases anywhere VISA is accepted. It works just like a check – only easier.
Direct Deposit and Payroll Deduction
Money management is simple and automatic with these two free services:
Direct Deposit – Your paycheck, Social Security check, pension or government payment can be electronically deposited directly into your credit union account. With Direct Deposit your money is available sooner, and you’ll never have to worry about a lost or stolen check.
Payroll Deduction – This great service lets you specify a portion of your paycheck to be deposited into different accounts, enabling you to save or pay back loans automatically.
ATM Service – With an ATM card from Vantage Point Federal Credit Union, you can perform transactions at any Cirrus ATM across the country. Your ATM card gives you 24-hour account access, so you’ll never have to wait for business hours again! All members have unlimited free transactions at our two Vantage Point FCU ATM locations.
Drive-Through Service – If the weather’s bad or you’re in a hurry, you’ll enjoy the convenience of our drive-through service. You can use our drive-through window to cash checks or make deposits, withdrawals, or loan payments without leaving the comfort of your car. (Drive-through service is for our members only)
Complete Automotive Coverage – In addition to the best Auto Loans in town, we offer additional services to help make your driving experience worry-free:
- Carfax – Learn the complete history of a used vehicle before buying it, including accident damage, odometer fraud, flood damage, and much more.
- GAP Insurance – In case your vehicle is stolen or totaled in an accident, GAP Insurance covers the difference between your loan balance and your insurance payoff.
- Mechanical Breakdown Insurance – Drive with complete peace of mind, knowing you are protected against the expense of unexpected repairs.
Telephone Teller – Our 24-hour Voice Automated System lets you check balances and conduct transactions from any touch-tone phone, whenever it’s convenient for you. Many of our members find that this free service fits their busy schedules perfectly allowing them to access their accounts with a simple phone call. 804-458-3998