21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
Non-Network ATM
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Vantage Point Federal Credit Union · $45M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Vantage Point Federal Credit Union(this institution) | Hopewell, VA | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Access Of Louisiana Federal Credit Union | Lake Charles, LA | $44M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| All Saints Federal Credit Union | Parma, OH | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Business And Industrial Federal Credit Union | Columbus, IN | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| California Adventist Federal Credit Union | Glendale, CA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Carpenters Federal Credit Union | Saint Paul, MN | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cherokee County Federal Credit Union | Rusk, TX | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Collegedale Federal Credit Union | Collegedale, TN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastern Indiana Federal Credit Union | New Castle, IN | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fire Fighters Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fox Valley Federal Credit Union | Aurora, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Geismar Complex Federal Credit Union | Geismar, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Holy Rosary Federal Credit Union | Kansas City, MO | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Kemba Charleston Federal Credit Union | Dunbar, WV | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lakeshore Federal Credit Union | Muskegon, MI | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lakeside Federal Credit Union | New Johnsonville, TN | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Les Federal Credit Union | Baton Rouge, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Miami Federal Credit Union | Miami, FL | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern New Mexico School Employee Federal Credit Union | Santa Fe, NM | $45M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| On The Grid Financial Federal Credit Union | Atlanta, GA | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Police Credit Union of Connecticut | Hartford, CT | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Saint Francis Employees Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sweet Home Federal Credit Union | Amherst, NY | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Toledo Fire Fighters Federal Credit Union | Toledo, OH | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vigo County Federal Credit Union | Terre Haute, IN | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wakota Federal Credit Union | South St Paul, MN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(out-of-network atm)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1, against a peer median of $1 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Amounts from Vantage Point Federal Credit Union’s own schedules, with a source for each figure.
per document
per year
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $10 | per month | None |
| Checking/Draft Reconcilement | $10Not compared: Charged per hour; comparison unavailable | per hour | Checking/Draft Reconcilement | $10.00 | Per Hour – In Person or phone call |
| Invalid Address/Return Mail | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Fee – By ACH, Check, or Debit Card | $30 | Not stated | None |
ATM & Card | |||
| ATM (Foreign) Withdrawal | $1 | per transaction | None |
| Replacement ATM or Debit Plastic | $10 | per item | None |
Wire Transfers | |||
| Wire Fee (Domestic) | $20 | Not stated | None |
Check Services | |||
| Third Party Teller Check | $5 | Not stated | None |
| Money Orders | $2 | per item | None |
| Stop Payment | $30 | Not stated | None |
| Counter Checks | $1 | Not stated | None |
| Non-Member Check Cashing | $5 | per item | None |
| Copy of Check | $5 | per item | None |
Digital & Electronic | |||
| Bill Payment Service | $5 | Not stated | None |
Account Services | |||
| Notary Fee | $5Not compared: Charged per document; comparison unavailable | per document | None |
| Safe Deposit Box Annual Rental Fees | $30 | per year | None |
| Safe Deposit Drill Fee | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Key Replacement Fee | $35Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Lien Processing | $25 | per item | None |
| Subordination Agreement | $75 | Not stated | None |
| Account/Deposit Verifications | $10 | per item | None |
Lending Fees | |||
| Loan Late Charge (audience not stated, treated as personal) | 5%($10 minimum) | Not stated | None |
Retirement & IRA | |||
| Individual Retirement Account (IRA) Withdrawals | $20 | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $4.95 | per item | None |
Other Fees | |||
| Statement Reprint | $5 | Not stated | None |
| Loan Extension (Skip-A-Pay) | $25 | per item | None |
| Mortgage Loan Payoff Requests | $25 | per item | None |
| Quick Loan Application Fee | $20 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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