Last Updated: 04/18/2025
Vantage Point FCU Club Accounts
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.05%(Verified 08/04/2024)
Minimum Opening Deposit
$0
Minimum Balance to Earn APY
$500
Vantage Point FCU Club Accounts Review
Vantage Point FCU Club Accounts is offered by Vantage Point Federal Credit Union, a credit union founded in 1966 and based in Hopewell, VA. Vantage Point FCU Club Accounts are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Low interest rate. The maximum annual percentage yield for this account is only 0.05%.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
Vantage Point FCU Club Accounts Pros & Cons
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Vantage Point FCU Club Accounts FAQ
Are savings accounts from Vantage Point Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Vantage Point Federal Credit Union offer a signup bonus?
Vantage Point FCU Club Accounts doesn't offer a signup bonus.
What is the minimum initial deposit for Vantage Point FCU Club Accounts?
There is no minimum deposit to open a Vantage Point FCU Club Accounts.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Vantage Point FCU Club Accounts offer?
Vantage Point FCU Club Accounts offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does Vantage Point FCU Club Accounts charge?
Vantage Point FCU Club Accounts does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $20.00 fee.
- An overdraft on your account will trigger a $30.00 fee per item.
- Vantage Point FCU Club Accounts charges $5.00 every time you request a paper statement.
Does Vantage Point FCU Club Accounts charge overdraft fees?
Yes, Vantage Point FCU Club Accounts charges a $30.00 overdraft fee.What features and perks does Vantage Point FCU Club Accounts offer?
This savings account includes the following features:
- Mobile Banking Services - Vantage Point FCU Club Accounts allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Vantage Point FCU Club Accounts?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed