Point Breeze Credit Union Bel Air MD | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Point Breeze, your trusted financial partner located at 410 S Atwood Rd, Bel Air, MD 21014. Since our establishment in 1935, we have proudly served our community, growing into a reliable institution with over 65,000 members. As a member-focused credit union, we understand the importance of community and strive to make a positive impact through tailored financial solutions. At Point Breeze, we believe that your financial journey should be empowering and straightforward. With total assets of $923,572,766 and total deposits amounting to $58,828,008, we are dedicated to ensuring your hard-earned money is safe and well-managed. Our commitment extends beyond mere numbers; it reflects our mission to provide personalized services that meet the unique needs of each member. Under the leadership of our CEO, Tonia Niedzialkowski, and Board President Donald Gundlach, we pride ourselves on fostering a friendly and approachable atmosphere. Whether you're looking for personal banking options such as checking accounts or auto loans, or business services including merchant solutions and business loans, our experienced team is here to assist you every step of the way. While you can always visit us at our branch for face-to-face support, please note that official correspondence should be sent to the same address: 410 S Atwood Rd, Bel Air, MD 21014-4170. If you have questions or need assistance, don't hesitate to reach out by phone at 410-584-7228. Join us today at Point Breeze and discover how we can help you achieve your financial goals. Visit our website at www.pointbreeze.com for more information on services and resources available to you. We look forward to being a part of your financial journey!

Branch History & Mission

At Point Breeze, we take pride in our rich history and unwavering commitment to our members and community. Founded in 1935, our Bel Air branch has grown alongside the community it serves, evolving from a small local credit union into a significant financial institution with total assets of $923572766. With over 65,000 members today, we strive to provide exceptional service and support that meets the diverse needs of our community. Located at 410 S Atwood Rd, Bel Air, MD 21014, our branch is easily accessible for all. We invite you to visit us during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Our drive-thru service allows for quick transactions, while our ATM availability ensures you have access to your funds when you need them. Our mission is simple yet profound: to empower our members through accessible financial services while contributing positively to the community. We offer a range of services including personal banking accounts, auto loans, mortgage refinancing, business banking solutions, and more all designed with your financial well-being in mind. Our focus extends beyond just banking; we are dedicated to fostering community growth through outreach programs and partnerships that uplift those around us. While members can visit us at 410 S Atwood Rd Bel Air Md 21014, official correspondence should be sent to 410 S Atwood Rd, Bel Air, MD 21014-4170. As we move forward in this digital age, we embrace technology by providing online banking options and mobile payments for added convenience. Our commitment to ADA compliance ensures that all members have equal access to our services. Join us at Point Breeze and experience the difference that comes from being part of a supportive financial family. Together, we can achieve your financial goals while building a stronger community for everyone. If you're interested in becoming a member or learning more about what we offer, don't hesitate to reach out at 410-584-7228 or visit us online at Point Breeze. Your journey toward financial empowerment begins here!

Branch Location & Accessibility

Welcome to Point Breeze, your friendly neighborhood credit union located at 410 S Atwood Rd in beautiful Bel Air, Maryland. Our branch is nestled in Harford County, just a stone's throw away from local favorites like the Bel Air Plaza and the charming downtown area. Whether you're running errands or simply enjoying a day out, we're conveniently positioned to serve you. At Point Breeze, we understand that accessibility is key for our members. Our branch features ample parking with easy access points, ensuring that everyone can visit us comfortably. We're proud to be ADA compliant, with ramps and accessible entrances designed for all of our members. Our operating hours make it easy to fit banking into your busy schedule. Visit us Monday through Thursday from 9 AM to 5 PM, on Fridays until 6 PM, and Saturdays from 9 AM to 1 PM. If you have questions or need assistance, don't hesitate to call us at 410-584-7228; we're here to help! For those on the go, we offer convenient ATM services right at our location, along with drive-thru banking for quick deposits and withdrawals without leaving your car. While you can find us at 410 S Atwood Rd for all your banking needs, please remember that any official correspondence should be directed to our mailing address at the same location: 410 S Atwood Rd, Bel Air, MD 21014-4170. Come visit Point Breeze today! We look forward to welcoming you and helping you with all your personal and business banking needs.

Member Eligibility

Becoming a member of Point Breeze is like stepping into a warm, welcoming community where your financial goals are supported and celebrated. If you're looking to join us at our branch located at 410 S Atwood Rd Bel Air Md 21014, we make it easy for you! Our membership is open to individuals who meet certain criteria, which often includes living, working, or worshiping in our service area. We believe that everyone deserves access to quality financial services, and we're here to help you every step of the way. For more detailed eligibility information, please check out our website at . Opening an account with us is straightforward and inviting. Whether you're interested in personal banking options like checking and savings accounts or loans tailored to your needs, we're ready to assist you. If you have questions or need guidance, don't hesitate to reach out at (410) 584-7228. Join us at Point Breeze today and experience the benefits of being part of a credit union that truly cares about its members!

Business Banking & Commercial Services

Business Loan Options

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 our competitive loan options, we offer merchant services designed to simplify transactions and enhance customer experiences. Imagine having the ability to accept payments anytime, anywhere whether you're running a retail shop or a service-based business. Our services help you manage sales efficiently, allowing you to focus on what matters most: growing your business. At Point Breeze, we are here to partner with you every step of the way. For more information about our business banking and commercial services, feel free to call us at (410) 584-7228 or visit our website at Point Breeze.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans and Vehicle Financing options can help make that dream a reality. With competitive rates and flexible terms, you can find a loan that fits your budget. Picture yourself driving off in your new vehicle with peace of mind knowing that you got the best deal possible.

Business Banking Solutions

For business owners, we offer robust Business Banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have resources available to support your goals.

Convenient Access & Support

Our branch also provides essential ATM and Cash Withdrawal Services, along with basic drive-thru banking for quick transactions like deposits and withdrawals. No matter how busy life gets, you can trust us to be there when you need us most. At Point Breeze, we believe that banking should be convenient and supportive. With digital banking features like online access, mobile payments, and person-to-person transfers, managing your finances has never been easier! If you're ready to explore how we can assist you further or if you have any questions about our services, please don't hesitate to reach out at 410-584-7228 or visit us at www.pointbreeze.com. We look forward to serving you!

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards! Earn points on every purchase and redeem them for exciting rewards while managing your spending effectively. It's an easy way to get more value out of what you already buy.

Home Financing Made Easy

Owning a home is one of life's biggest achievements, and our Mortgage Loans and Refinancing services are designed to support you every step of the way. Whether you're buying your first home or refinancing an existing mortgage for better rates, we are here to help simplify the process. We'll guide you through the paperwork and ensure you understand every detail along the way.

Personal Banking Solutions

We understand that everyone's financial journey is unique. That's why we offer Personal Banking options such as checking and savings accounts that suit different lifestyles. Imagine being able to easily manage your money online with just a few clicks, or having access to your funds whenever you need them through our convenient ATM services. Our mobile banking features allow you to check balances, transfer funds, and even make deposits from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans provide quick access to cash when you need it most. Imagine reducing multiple monthly payments into one manageable loan with lower interest rates it's like lifting a weight off your shoulders.

Digital & Online Banking

Accessibility and Ease-of-Use

We believe that banking should fit into your lifestyle. That's why our digital banking solutions are designed to be accessible and straightforward for everyone. Whether you're tech-savvy or just getting started, you'll find that navigating our platforms is intuitive and hassle-free. In summary, at Point Breeze, we offer comprehensive digital banking options that prioritize both convenience and security. Join us today and experience how easy managing your finances can be!

Key Features of Our Online Services

With 24/7 online banking services, you can check your balances, transfer funds, and pay bills without ever stepping foot in a branch. Our user-friendly mobile application makes it even easier to manage your accounts right from your smartphone. Plus, with features like person-to-person transfers, sending money to friends or family is as simple as sending a text. Your security is our priority. We provide electronic signature authorization for transactions, ensuring that all your activities are protected. You can also opt for e-statements, which not only helps you stay organized but also reduces paper waste. If you're someone who enjoys the convenience of mobile payments, you'll be pleased to know that our services support this feature too! With just a tap on your phone, you can make purchases quickly and securely.

Financial Strength

Commitment to Service

Total Share Accounts stand at 110,588, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $2,010,806, further demonstrating our dedication to supporting your financial journey. 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 410 S Atwood Rd Bel Air Md 21014 or call (410) 584-7228 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $168,279,149 in share certificates, offering stable and rewarding financial growth opportunities. 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.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 120 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

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. Our lending capacity supports your financial goals across various sectors with $6,073 in used auto loans and a total of $630,116,199 in loans and leases.

Strong Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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 are interested in financing a brand-new model or a reliable used vehicle, we have options that cater to both preferences.

Business Loans

For business owners looking for financial growth opportunities, our outstanding commercial loans total $78,309,142, providing the capital needed to expand your business ventures. At Point Breeze located at 410 S Atwood Rd Bel Air Md 21014, we are dedicated to serving our community by offering competitive loan products paired with personalized service. If you're considering refinancing or want to explore eligibility options for any of our products, don't hesitate to reach out. You can contact us at 410-584-7228 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial journey let's make it happen together!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We offer Junior Lien 1-4 Family Residential Properties loans totaling $61,127,282, allowing you to invest in your future with confidence.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible terms on unsecured credit card loans. With a total of $10,099,006 in loans available, our credit cards help members handle their finances effectively while enjoying rewards and benefits tailored for everyday spending.

Loan Aggregator

Accurate Comparisons

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Benefits of Using LendMesh

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Point Breeze