Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Vantage Point Federal Credit Union

Hopewell, VirginiaCredit UnionRichmond Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Dormant Account$10Within the typical range ($5–$10 nationally)

ATM & CardVerified

ATM (Foreign) Withdrawal$1Within the typical range ($1–$2.50 nationally)
$0.75 below the national median
per transaction · Source
Replacement PIN$10Within the typical range ($5–$10 nationally)
At the national median
Source

Wire TransfersVerified

Wire Fee (Domestic)$20Within the typical range ($20–$25 nationally)
$5 below the national median
Knox extract.rules v17 categorized a line held for review from Rosetta artifact #2512. canonical_hint=wire_domestic_outgoing; text_hash=c3efc5ccb6ecabb736e55c93da33aa9b3959f67079d082132c253fddc30c5654; excerpt="Wire Fee (Domestic) | $20.00 | Each – note: we do not do international wires." · Source

Check ServicesVerified

Copy of Check$5Within the typical range ($2–$5 nationally)
$2 above the national median
Source
Non-Member Check Cashing$5Within the typical range ($5–$10 nationally)
At the national median
Source
Stop Payment$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Account ServicesVerified

Garnishment/Lien Processing$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source
Notary Fee$5Within the typical range ($0–$5 nationally)
$2.50 above the national median
Source
Safe Deposit Box Annual Rental Fees$30Within the typical range ($30–$70 nationally)
$15 below the national median
per year · Source
Safe Deposit Drill Fee$250Above the typical range ($30–$70 nationally)
$205 above the national median
Source
Safe Deposit Key Replacement Fee$35Within the typical range ($30–$70 nationally)
$10 below the national median
Source

Other FeesVerified

Quick Loan Application Fee$20Below the typical range ($22.50–$35 nationally)
$9 below the national median
Knox extract.rules v17 categorized a line held for review from Rosetta artifact #2512. canonical_hint=other_lending_fee; text_hash=c3efc5ccb6ecabb736e55c93da33aa9b3959f67079d082132c253fddc30c5654; excerpt="Quick Loan Application Fee | $20.00 | Per Application for Quick Loan" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Dormant Account	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	—	Source
Overdraft & NSFVerified
Overdraft Fee – By ACH, Check, or Debit Card	$30Within the typical range ($25–$32 nationally)	At the national median	—	—	Source
ATM & CardVerified
ATM (Foreign) Withdrawal	$1Within the typical range ($1–$2.50 nationally)	$0.75 below the national median	per transaction	—	Source
Replacement PIN	$10
Wire TransfersVerified
Wire Fee (Domestic)	$20Within the typical range ($20–$25 nationally)	$5 below the national median	—	Knox extract.rules v17 categorized a line held for review from Rosetta artifact #2512. canonical_hint=wire_domestic_outgoing; text_hash=c3efc5ccb6ecabb736e55c93da33aa9b3959f67079d082132c253fddc30c5654; excerpt="Wire Fee (Domestic) \| $20.00 \| Each – note: we do not do international wires."	Source
Check ServicesVerified
Copy of Check	$5Within the typical range ($2–$5 nationally)	$2 above the national median	—	—	Source
Non-Member Check Cashing	$5Within the typical range ($5–$10 nationally)
Account ServicesVerified
Garnishment/Lien Processing	$25Below the typical range ($30–$75 nationally)	$25 below the national median	—	—	Source
Notary Fee	$5
Lending FeesVerified
Loan Extension (Skip-A-Pay)	$25Within the typical range ($25–$75 nationally)	$10 below the national median	—	—	Source
Gift & Prepaid CardsVerified
VISA Gift Card	$4.95Above the typical range ($3–$4.50 nationally)	$1.45 above the national median	—	—	Source
Other FeesVerified
Quick Loan Application Fee	$20Below the typical range ($22.50–$35 nationally)	$9 below the national median	—	Knox extract.rules v17 categorized a line held for review from Rosetta artifact #2512. canonical_hint=other_lending_fee; text_hash=c3efc5ccb6ecabb736e55c93da33aa9b3959f67079d082132c253fddc30c5654; excerpt="Quick Loan Application Fee \| $20.00 \| Per Application for Quick Loan"	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

Total fees: 16 — leaner than most institutions

Headline fees published

5 of 15

Published fees

Under review

Assets

$45.0M

Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$45.0M

Total deposits

$37.2M

Service charge income (year to date)

$144K

Fee income ratio

13.0%

Return on assets

0.76%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 46,469 published fee entries from 2,884 institutions

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