Cedar Point Credit Union Charlotte Hall MD | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Cedar Point, your trusted partner in financial success, located at 30330 Three Notch Rd, Charlotte Hall, MD 20622. Since our establishment in 1945, we have been dedicated to serving our community with integrity and commitment. With a growing membership of 45,011, we pride ourselves on being more than just a financial institution; we are a cornerstone of support for our members. At Cedar Point, we understand that financial needs vary from person to person. That's why we offer a wide range of services designed to empower you whether it's personal banking, auto loans, mortgage financing, or business loans. Our total assets stand impressively at $797,719,141, ensuring that we have the resources necessary to help you achieve your goals. Additionally, our total deposits reach $67,249,663, reflecting the trust that our members place in us. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 30330 Three Notch Rd, Charlotte Hall, MD 20622. If you have any questions or need assistance, feel free to call us at 301-884-4074. Our friendly team is here to help you navigate your financial journey. Led by our CEO Charles Roach and Board President Robert Clements, Cedar Point is committed to enhancing the lives of our members through responsible lending and exceptional service. We invite you to explore what Cedar Point has to offer and discover how we can help you thrive financially. Visit us today or check out our website at Cedar Point for more information about our products and services. Your future starts here!

Branch History & Mission

Commitment to Innovation

We understand that convenience matters in today's fast-paced world. That's why Cedar Point offers an array of digital services such as online banking and mobile applications to help you manage your finances anytime and anywhere. Our branch also features ADA-compliant facilities and drive-thru banking options for easy access. Our operating hours are designed with your schedule in mind: Monday through Thursday from 7 AM to 6 PM, Friday from 7 AM to 7 PM, and Saturday from 8:30 AM to 12 PM. With ATM availability on-site and friendly staff ready to assist you, we ensure that your banking experience is smooth and efficient.

Join Us!

As we look toward the future, Cedar Point remains committed to our mission of serving our members and enhancing the community around us. We invite you to join us on this journey. Experience the benefits of being part of a credit union that truly cares about you become a member today! For more information or assistance, please call us at 301-884-4074 or visit us online at Cedar Point. Together, let's build a brighter financial future!

Our Mission

At Cedar Point, our mission is clear: we are dedicated to providing exceptional financial services while fostering a sense of community among our members. We believe in empowering individuals through education and support, helping them achieve their financial goals. Our team is committed to ensuring that every member receives personalized attention and guidance tailored to their unique needs. In addition to providing robust banking services including auto loans, mortgages, credit cards with rewards, and business banking we actively engage in community outreach initiatives. Through partnerships with local organizations and charitable efforts, we strive to make a positive impact in Charlotte Hall and beyond.

Our Story

Cedar Point began its journey with a simple mission: to provide accessible financial services to its members while supporting the growth of the community. Over the decades, we've expanded our offerings significantly, adapting to meet the changing needs of our members. From traditional savings accounts to modern online banking solutions, we have continually embraced innovation without losing sight of our foundational values. Located at 30330 Three Notch Rd, Charlotte Hall, MD 20622, our branch is conveniently situated near local landmarks that make it easy for members to visit us. Whether you need personal banking services or assistance with loans and mortgages, we're here for you. For official correspondence, please use our mailing address at the same location.

Branch Location & Accessibility

Connect with Us

Got questions? Don't hesitate to reach out! You can give us a call at 301-884-4074. We invite you to come experience the friendly service at Cedar Point. Stop by today and see how we can assist you in reaching your financial goals!

Convenient Features

At Cedar Point, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, making it easy for everyone to access our services. Parking is readily available right outside, so you can quickly pop in and out for your banking needs.

Operating Hours

We understand that life gets busy! That's why we offer flexible hours for your convenience. Visit us Monday through Thursday from 7 AM to 6 PM, Friday from 7 AM to 7 PM, and Saturday from 8:30 AM to noon. Our dedicated staff is here to help you during these hours with a smile.

Services Tailored for You

Cedar Point offers a wide range of services designed with you in mind. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we have you covered. If you're in need of cash, our ATM is available on-site, and if you'd prefer the drive-thru option for quick transactions, we've got that too! While members can visit us at our physical location, please note that any official correspondence should be sent to the same address: 30330 Three Notch Rd, Charlotte Hall, MD 20622.

Member Eligibility

Welcome to the Cedar Point community! Becoming a member of Cedar Point is like opening the door to a supportive network where your financial needs are prioritized. To qualify for membership, you simply need to live, work, worship, or attend school in Charles County, Maryland, or have a family member who is already a member. This inclusive approach means that many people can join and enjoy the benefits of our credit union. Members at Cedar Point enjoy competitive rates on loans, personalized service, and access to a range of financial products designed just for you. Getting started is easy! You can find all the details about eligibility on our website at http://www.cpfcu.com/membership . If you're ready to open an account, visit us online at https://borrow.cpfcu.com/imsiweb/web/loan-app or give us a call at (301) 884-4074. We're located at 30330 Three Notch Rd Charlotte Hall Md 20622, and we can't wait to welcome you into our family!

Business Banking & Commercial Services

Business Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $238 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $70,648,609, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, having reliable merchant services can make all the difference. Our solutions allow businesses like yours to accept payments easily and securely, ensuring you never miss a sale. From credit card processing to point-of-sale systems, we equip you with the tools needed to thrive. Located conveniently at 30330 Three Notch Rd Charlotte Hall Md 20622 in Charlotte Hall, MD, our team is here to help you navigate your options and find what works best for your business. Let's work together to turn your goals into achievements! For more information, call us at (301) 884-4074 or visit our website at https://www.cpfcu.com .

Comprehensive List Of Services

Business Banking Services

For our business members, Cedar Point offers essential business banking services, including merchant services and business loans. We know running a business comes with its challenges; that's why we're committed to providing the financial support you need so you can focus on what matters most growing your business.

Contact Us Today!

If you're ready to explore how Cedar Point can meet your financial needs or if you have any questions about our services, don't hesitate to reach out! Call us at 301-884-4074 or visit us at our branch in Charlotte Hall. We're excited to help you achieve your financial goals! For more information about our offerings and how to become a member, please check out our website at Cedar Point.

Convenient Access with Digital Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime and anywhere. You can check balances, pay bills, and even transfer money between accounts with just a few clicks. With features like ATM access for withdrawals and balance checks, as well as basic drive-thru banking for deposits and simple transactions, we're making banking easier than ever.

Credit Cards and Rewards

Don't forget about our credit cards! With credit cards featuring rewards, you can earn points on everyday purchases that can be redeemed for travel, merchandise, or cashback. It's a great way to make your spending work for you.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that are designed to fit various lifestyles. If you need quick access to your funds while enjoying competitive interest rates, our accounts provide that flexibility. For those planning to purchase a car or need funds for unexpected expenses, our auto loans and vehicle financing options make it easy to drive away in your dream car without breaking the bank. Homeownership is within reach with our mortgage loans and refinancing options. We understand that buying a home is one of the biggest decisions you'll make, which is why we aim to simplify the process for you. Additionally, if you're feeling overwhelmed by debt, our personal loans and debt consolidation services can help you regain control of your finances.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This means you can sign documents securely online without needing to visit a branch. It saves you time while ensuring that your personal information stays safe. For those who prefer going paperless, we offer e-statements as part of our commitment to sustainability and convenience. You can easily access your account statements whenever you need them, helping you keep track of your financial health. If sending money to friends or family is on your agenda, our person-to-person transfer feature lets you do just that with ease. Whether it's splitting a dinner bill or sending a gift, it's quick and straightforward.

Security First

Your security is our top priority. Our online services utilize advanced encryption technology to protect your information, giving you peace of mind as you manage your finances digitally. At Cedar Point, we aim to empower you with tools that make banking easier and more accessible. Experience the freedom of managing your finances anytime with our comprehensive digital banking services!

Financial Strength

Committed Team

Our operational efficiency is highlighted by a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 133 full-time employees and 1 part-time employees who are always ready to assist you with knowledgeable service.

Growing Member Base

Our dedication is evident through our community's trust reflected by our total share accounts of 82,424. We are proud of the strong member base that chooses Cedar Point as their trusted partner for all their financial needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cedar Point is your trusted partner. Visit us at 30330 Three Notch Rd Charlotte Hall Md 20622 or call (301) 884-4074 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

We prioritize your financial growth. Members' savings are secured through $149,073,035 in share certificates and $42,837,495 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we focus on benefiting our members first. With non-member deposits totaling $9,242, our resources are used to provide you with better loan rates, lower fees, and exclusive perks.

Reinvesting in Our Members

Our strong performance is reflected in our $74,642,385 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $3,910 in used auto loans and $459,895,459 across all loans and leases, our lending capacity supports your financial goals across various sectors.

Strong Financial Position

With a net worth of $74,642,385, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to you is backed by our net worth ratio of $936, which demonstrates a solid capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $82,982,961 in used vehicle loans and $73,563,449 in new vehicle loans already helping members get on the road. We provide competitive rates and flexible terms to ensure that you can drive away with confidence.

Credit Lines and Commercial Loans

For those seeking business financing, our outstanding commercial loans totaling $70,648,609 provide the capital needed to grow and expand your business. Additionally, we have credit lines available totaling $227,731,700, giving you the flexibility to manage cash flow efficiently. Our goal at Cedar Point is not just to provide loans but also to empower our members with the right tools for financial success. If you're interested in refinancing options or checking your eligibility for any of these products, feel free to reach out. For more information or assistance with your loan applications, please contact us at 301-884-4074 or visit us at our branch located at 30330 Three Notch Rd Charlotte Hall MD 20622. You can also check out our website at www.cpfcu.com for additional resources. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let Cedar Point help you take the next step toward achieving your financial dreams!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $20,363,728, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Personal Financing

We also offer flexible terms on unsecured credit card loans, with a total of $16,139,481 in loans helping members manage their finances effectively. This option allows you to have quick access to funds for unexpected expenses or planned purchases without needing collateral.

Loan Aggregator

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures fair and transparent offers, allowing users to trust that they are receiving accurate information.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking for reliable loan options, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

CEDAR POINT FEDERAL CREDIT UNION