Vantage Point Federal Credit Union

3600 Oaklawn Blvd.
Hopewell, VA 23860
804-541-1473
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Current 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%
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 Certificates (6 month term)* $1,000.00 0.35% 0.35%
Share Certificates (12 month term)* $1,000.00 0.60% 0.60%
Share Certificates (36 month term)* $1,000.00 1.00% 1.00%
Individual Retirement Accounts (IRA’s) $ 100.00 – $4,999.99 0.70% 0.70%
$5,000.00 and up 0.80% 0.80%

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 12/31/2015 dividend period. Accounts closed prior to the dividend posting will forfeit all accrued dividends.

*Rates effective as of February 3, 2016. 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

Loan Rates

Loan Type Duration of Loan Annual Percentage Rate (APR)* as low as
New and Used Auto Rates (2010-2017) Up to 52 months 2.49% APR
Up to 66 months 2.74% APR
Up to 75 months 2.99% APR
Up to 84 months 3.49% APR
New and Used Recreational Vehicles (Boats, RV’s, Campers) Up to 52 months 3.74% APR
Up to 66 months 4.24% APR
Up to 75 months 4.74% APR
Up to 84 months 5.24% APR
Up to 96 months 5.74% APR
Up to 108 months 6.24% APR
Up to 120 months 6.74%APR
New and Used Motorcycles Up to 52 months 3.74% APR
Up to 66 months 3.99% APR
Up to 75 months 4.24% APR
Personal Loans Up to 52 months 7.74% APR
Up to 66 months 7.99% APR
Up to 75 months 8.24% APR
Collateralized Personal Loans Up to 52 months 5.00% APR
Up to 66 months 5.25% APR
Up to 75 months 5.50% APR
Overdraft Protection Loans 13.50% APR
100% Share Secured Advance Up to 120 months 2.00% over current share rate
Certificate Secured Advance Term of Certificate 2.00% over certificate rate

**All rates above are based on approved credit.  Your rate may vary based on your credit score, credit term, and the Credit Union’s underwriting standards.  Call Vantage Point Federal Credit Union at 804-541-1473 for current rates. APR= Annual Percentage Rate

***Rates are current as of press date and are subject to change without prior notice.

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