Point Breeze Credit Union Baltimore MD | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Point Breeze, your trusted community credit union located at 5 Philadelphia Ct, Baltimore, MD 21237. Since our establishment in 1935, we have been dedicated to serving the financial needs of our members with integrity and care. With a strong membership base of over 65,000 individuals, we pride ourselves on fostering a welcoming environment where everyone can thrive. At Point Breeze, we understand that financial decisions can be daunting. That's why we offer a wide range of services tailored to meet your unique needs whether you're looking for personal banking solutions like checking and savings accounts, or financing options such as auto loans and mortgages. Our total assets exceed $923 million, ensuring that we have the resources to support you every step of the way. Our commitment extends beyond just numbers. With a net worth of $126,795,421 and total deposits amounting to $58,828,008, we are well-equipped to provide secure and reliable banking services. Our team, led by CEO Tonia Niedzialkowski and Board President Donald Gundlach, is here to guide you through your financial journey with personalized support. We invite you to visit us in person or connect with us online at Point Breeze. If you have any questions or need assistance, feel free to give us a call at 410-584-7228. Let us help you achieve your financial goals today!

Branch History & Mission

At Point Breeze, our journey began in 1935 in the heart of Baltimore, Maryland. Since then, we have grown into a trusted financial partner for over 65,000 members. Our branch, located at 5 Philadelphia Ct, Baltimore, MD 21237, has become a cornerstone of the community, providing essential financial services and support to individuals and families alike. From our humble beginnings, Point Breeze has evolved significantly. We have expanded our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our total assets now stand at an impressive $923,572,766, reflecting our commitment to sound financial practices and member support. Our mission is clear: we strive to empower our members through accessible financial solutions while fostering a strong sense of community. At Point Breeze, we believe in not just serving our members but also uplifting the communities we are part of. This mission is evident in our various outreach programs and partnerships that aim to improve the lives of those around us. We take pride in offering modern conveniences such as online and mobile banking options to ensure that our members can manage their finances easily and securely. With features like electronic signatures and person-to-person payment capabilities, we are dedicated to providing user-friendly services that meet today's demands. While members can visit us at 5 Philadelphia Ct for all their banking needs whether it's utilizing our drive-thru service or accessing one of our ATMs official correspondence should be sent to the same address for convenience. Our operating hours are designed to accommodate busy schedules: Monday through Thursday from 9 am to 5 pm, Friday until 6 pm, and Saturday from 9 am to 1 pm. As we look towards the future, Point Breeze remains committed to making a positive impact within Baltimore. We invite you to join us on this journey! Experience the benefits of membership with Point Breeze where your financial well-being is our top priority. Whether you're looking for a place to save or need guidance on loans and investments, we're here to help every step of the way.

Branch Location & Accessibility

Call-to-Action

We invite you to stop by Point Breeze today! Our friendly team is ready to assist you with all your banking needs. If you have questions or would like more information before visiting, feel free to give us a call at 410-584-7228. Your financial journey starts here!

Operating Hours

We strive to accommodate your busy schedule with our flexible operating hours. Visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you need personal banking services or want to explore our various loan options, we're here when you need us.

Parking and Accessibility Features

At Point Breeze, we understand that convenience is key. Our branch provides ample parking space right outside for easy access. The location is designed to be welcoming and accessible to everyone, featuring ADA-compliant entrances and ramps for those who may require additional support.

Services Offered

At Point Breeze, we offer a range of services tailored just for you whether it's checking and savings accounts, auto loans, mortgage refinancing, or personal loans. You can also take advantage of our drive-thru service for quick deposits and withdrawals without having to leave your vehicle! Plus, our ATM is available for cash withdrawals and balance checks around the clock.

Member Eligibility

At Point Breeze, we believe that everyone deserves a supportive financial community, and joining us is easier than you might think! To become a member, you simply need to meet a few friendly eligibility criteria. Whether you're an employee of one of our partner companies, live in the local area, or have family ties to existing members, there's a good chance you qualify. If you're curious about the specific details, feel free to visit our eligibility page at for all the updated information. Becoming part of Point Breeze means gaining access to a range of benefits designed to support your financial journey. From personal banking services like checking and savings accounts to loans and credit cards tailored just for you, we're here to help you thrive. Opening an account is a breeze just give us a call at (410) 584-7228 or stop by our branch located at 5 Philadelphia Ct Baltimore Md 21237. We can't wait to welcome you into our community!

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 $126 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $14 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $78,309,142, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide essential merchant services that simplify daily operations for businesses. Whether you need payment processing solutions or tools to manage cash flow, our services are designed to enhance your efficiency and customer satisfaction. Imagine being able to focus more on growing your business while we take care of the financial details. Located at 5 Philadelphia Ct Baltimore Md 21237, Baltimore, MD, Point Breeze is ready to partner with you on your business journey. For personalized assistance or inquiries, give us a call at (410) 584-7228. Let's build a successful future together!

Comprehensive List Of Services

Business Banking Services

For business owners, Point Breeze offers comprehensive business banking services including merchant services and business loans. We understand that running a business comes with its own set of challenges, which is why we're here to support your growth and success.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide online and mobile banking services that let you manage your accounts on the go. With features like ATM access for withdrawals and balance checks right at your fingertips, banking has never been easier.

Credit Options That Fit Your Lifestyle

Life can be unpredictable, and sometimes you need extra funds to cover unexpected expenses. Our personal loans and debt consolidation services provide flexible solutions to help you manage financial challenges. Additionally, if you enjoy rewards for your spending habits, our credit cards come with attractive rewards programs tailored to suit your lifestyle.

Drive-Thru & ATM Services

For those who prefer face-to-face interaction without stepping inside the branch, our basic drive-thru banking allows for deposits and simple transactions quickly and efficiently. Plus, our ATM services ensure that you have access to cash whenever you need it. At Point Breeze, we believe in making banking personal and straightforward. To learn more about how we can assist you or to explore specific services in detail, feel free to reach out by calling us at 410-584-7228 or visit our website at Point Breeze. Your financial journey starts here let us help guide you every step of the way!

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts designed for your everyday needs. Imagine having the peace of mind knowing that your money is safe while earning interest over time. If you're in the market for a new vehicle, our auto loans and vehicle financing options can help you drive away with confidence. We understand that purchasing a home is a significant milestone; hence, our mortgage loans and refinancing options make homeownership achievable.

Digital & Online Banking

Key Features for Your Convenience

Our online platform is user-friendly and packed with features to help you manage your money effectively. For instance, e-statements are readily available, allowing you to keep track of your finances without the clutter of paper statements. Plus, we offer electronic signature authorization, making it simple to approve transactions securely from anywhere. If you're always on the move, you'll love our mobile application. Available for download, it lets you access your accounts right from your smartphone. You can even make mobile payments quickly and easily perfect for those spontaneous outings when you need to split the bill with friends through our person-to-person transfer feature.

Safe and Secure Banking

Security is a top priority at Point Breeze. Our digital banking services use advanced encryption technology to protect your information. You can feel confident knowing that your personal data is safe while you manage your accounts online. In summary, our digital and online banking services at Point Breeze not only provide convenience but also ensure that you have full control over your financial activities whenever you need it. Experience seamless banking today by visiting us at https://www.pointbreeze.com/!

Financial Strength

A Dedicated Team at Your Service

We also take pride in having 120 full-time employees and 7 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledgeable support and personalized service.

Commitment to Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our strategy emphasizes member-centric offerings that cater directly to your financial needs.

Growing Member Base

With 110,588 showing a strong and growing member base that trusts us with their finances, it's clear that more individuals are choosing Point Breeze as their preferred financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Point Breeze is your trusted partner. Visit us at 5 Philadelphia Ct Baltimore Md 21237 or call (410) 584-7228 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Investments in Your Future

With $126,356,905 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This reinvestment allows us to adapt to changing market conditions while continuing to provide the services you expect.

Secure Savings Opportunities

Members' savings are secured through $168,279,149 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have money market shares, our focus remains on maximizing the value of your deposits through responsible lending practices.

Solid Financial Foundation

With a net worth of $126,795,421, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,373 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

Our lending capacity supports members' financial goals across various sectors with $6,073 in used auto loans and $630,116,199 in total loans and leases. Whether you're looking to finance a vehicle or secure funds for personal projects, we've got you covered.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $94,906,918 in used vehicle loans and $37,428,206 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, we have flexible options to fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $78,309,142 provide the capital needed to grow and expand your operations. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs. In addition to these products, we also offer refinancing options that can help you save money on existing loans or adjust your payments according to your current financial situation. Our team is here to discuss eligibility and provide insights into how you can benefit from refinancing. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Point Breeze, we strive to deliver exceptional service and competitive rates across all our loan products. Whether you're looking for an auto loan, mortgage assistance, or business financing solutions, we're here to support you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $61,127,282, make buying or refinancing simple. We provide personalized guidance throughout the mortgage process to ensure you find the right fit for your housing needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $10,099,006 in loans helping members manage their finances effectively. Enjoy peace of mind knowing that our credit card options are designed with your spending habits and repayment abilities in mind.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what users see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and user-friendly the platform is. 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.*

How LendMesh Ensures Accurate Loan 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 for all users. Each loan comparison reflects current market rates, helping users find the most competitive options available.

Point Breeze

Introduction

Branch History & Mission

Branch Location & Accessibility

Call-to-Action

Operating Hours

Parking and Accessibility Features

Services Offered

Member Eligibility

Business Banking & Commercial Services

Business Loans

Merchant Services

Comprehensive List Of Services

Business Banking Services

Convenient Digital Banking

Credit Options That Fit Your Lifestyle

Drive-Thru & ATM Services

Personal Banking Solutions

Digital & Online Banking

Key Features for Your Convenience

Safe and Secure Banking

Financial Strength

A Dedicated Team at Your Service

Commitment to Members

Growing Member Base

Investments in Your Future

Secure Savings Opportunities

Solid Financial Foundation

Supporting Your Goals

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

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