Vantage Point Federal Credit Union

Headquarters: Hopewell, Virginia
Charter: Credit Union
Assets: $45.0M
Fed district: Richmond

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Vantage Point Federal Credit Union: $30
Vantage Point Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Vantage Point Federal Credit Union: $1
Vantage Point Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Vantage Point Federal Credit Union: $20
Vantage Point Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Vantage Point Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$10
per month
Checking/Draft Reconcilement$10
Not 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

Overdraft & NSF

Overdraft Fee – By ACH, Check, or Debit Card$30

ATM & Card

ATM (Foreign) Withdrawal$1
per transaction
Replacement ATM or Debit Plastic$10
per item

Wire Transfers

Wire Fee (Domestic)$20

Check Services

Third Party Teller Check$5
Money Orders$2
per item
Stop Payment$30
Counter Checks$1
Non-Member Check Cashing$5
per item
Copy of Check$5
per item

Digital & Electronic

Bill Payment Service$5

Account Services

Notary Fee$5
Not compared: Charged per document; comparison unavailable
per document
Safe Deposit Box Annual Rental Fees$30
per year
Safe Deposit Drill Fee$250
Not compared: Box drilling or key fee
Safe Deposit Key Replacement Fee$35
Not compared: Box drilling or key fee
Garnishment/Lien Processing$25
per item
Subordination Agreement$75
Account/Deposit Verifications$10
per item

Lending Fees

Loan Late Charge (audience not stated, treated as personal)5%($10 minimum)

Retirement & IRA

Individual Retirement Account (IRA) Withdrawals$20

Gift & Prepaid Cards

VISA Gift Card$4.95
per item

Other Fees

Statement Reprint$5
Loan Extension (Skip-A-Pay)$25
per item
Mortgage Loan Payoff Requests$25
per item
Quick Loan Application Fee$20

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

Correct a fee source

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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