Point Breeze Credit Union Hunt Valley MD | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Point Breeze, your trusted financial partner located at 11104 McCormick Rd, Hunt Valley, MD 21031. Since our establishment in 1935, we have been dedicated to serving our community with reliable banking solutions tailored to meet the needs of our 65,013 members. Our commitment to excellence is reflected in our total assets of $923,572,766 and total deposits reaching $58,828,008. At Point Breeze, we believe in building lasting relationships with our members. Our experienced team, led by CEO Tonia Niedzialkowski and Board President Donald Gundlach, is here to guide you through every step of your financial journey. Whether you're looking for a personal checking account, an auto loan among our 22,829 loans and leases, or business financing options, we have you covered. For those who wish to send us official correspondence, please note that while you can visit us at the branch address mentioned above, our mailing address is also 11104 McCormick Rd, Hunt Valley, MD 21031-1404. With a strong net worth of $126,795,421 and cash on hand amounting to $5,582,276, Point Breeze stands firmly behind its promise of security and trust. We offer various services including online banking and ATM access to ensure you have convenient control over your finances. Explore what makes Point Breeze special today! Call us at 410-584-7228 or visit our website at Point Breeze for more information on how we can support your financial needs. Your journey towards better banking starts here!

Branch History & Mission

Welcome to the vibrant community of Point Breeze in Hunt Valley, Maryland! Since opening our doors in 1935, we have proudly served our members and the surrounding neighborhoods. With a rich history that spans over eight decades, Point Breeze has evolved into a trusted financial partner for more than 65,000 members. Our commitment to providing exceptional service and fostering community growth is at the heart of everything we do. Located at 11104 McCormick Rd, Hunt Valley, MD 21031, our branch is easily accessible to all who seek financial guidance. The proximity to local landmarks makes it convenient for members to visit us. While members can visit us at this address, official correspondence should be sent to our mailing address: 11104 McCormick Rd, Hunt Valley, MD 21031-1404. Our mission is simple yet profound: to enhance the financial well-being of our members while supporting the communities we serve. We provide a range of services including personal banking, auto loans, mortgage options, credit cards with rewards, and business banking solutions. At Point Breeze, we believe in empowering individuals and families to achieve their financial goals through education and personalized support. Over the years, we've embraced innovation while staying true to our roots. Our total assets have grown impressively to nearly $924 million, showcasing our stability and dedication to serving our members' needs. In addition to traditional banking services, we offer modern conveniences like online and mobile banking, making it easier than ever for you to manage your finances on your own terms. We take pride in being a part of the Baltimore community. Through partnerships and outreach programs, we strive to give back and uplift those around us. Our drive-thru service ensures that even on busy days, you can quickly handle your banking needs without leaving your vehicle. Plus, with an ATM available at our branch location, accessing cash is always hassle-free. As we look toward the future, Point Breeze remains committed to fostering strong relationships with our members and enhancing their experiences with us. Whether you're looking for a personal loan or exploring ways to save for the future, we're here every step of the way. Join us today and discover how Point Breeze can help you achieve your financial dreams! For any inquiries or assistance, feel free to reach out at 410-584-7228. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access

At Point Breeze, we strive to make your visit as smooth as possible. We offer ample parking right outside our branch, making it easy for you to come in and take care of your banking needs. Our facility is designed with accessibility in mind, ensuring that everyone can navigate comfortably.

Operating Hours

We understand that life can be busy! That's why our doors are open Monday through Thursday from 9 AM to 5 PM, and on Fridays from 9 AM to 6 PM. Need some banking done on the weekend? We're here for you on Saturdays from 9 AM to 1 PM. Feel free to give us a call at 410-584-7228 during these hours if you have any questions or need assistance.

Services Offered

Point Breeze offers a variety of services tailored to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. For those who prefer banking on-the-go, we provide online and mobile banking services as well as ATM access for quick cash withdrawals. Plus, our drive-thru service makes it easy for you to complete simple transactions without leaving your car. While our branch is the best place for all your banking needs, please remember that official correspondence should be sent to the same address: 11104 McCormick Rd, Hunt Valley, MD 21031-1404. We invite you to visit Point Breeze today! Our friendly team is eager to help you with whatever you need. Stop by or call us we look forward to seeing you soon!

Member Eligibility

At Point Breeze, we believe that everyone deserves access to a supportive financial community. Becoming a member is as easy as connecting with us! If you're living or working in our local area, or if you have family members who are already part of our credit union, you may be eligible to join. We welcome individuals from all walks of life, ensuring that everyone has the opportunity to benefit from our services. For a complete list of eligibility criteria and to see if you qualify, feel free to visit our website at . Joining Point Breeze not only gives you access to personalized banking solutions like checking and savings accounts, auto loans, and more, but it also connects you with a community focused on your financial well-being. The process is straightforward just give us a call at (410) 584-7228, or stop by our branch located at 11104 Mccormick Rd Hunt Valley Md 21031 to learn how easy it is to open an account and start enjoying the benefits of membership today!

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

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 That Simplify Transactions

In today's fast-paced world, efficient payment processing is essential for any business. At Point Breeze, our merchant services equip you with the tools you need to accept payments seamlessly, whether it's through credit cards or mobile payments. Imagine serving your customers better and faster our services help you do just that. Located at 11104 Mccormick Rd Hunt Valley Md 21031 in Hunt Valley, MD, we invite you to discover how our business banking solutions can empower your enterprise. For more information, contact us at (410) 584-7228 or visit our website at https://www.pointbreeze.com/.

Comprehensive List Of Services

ATM & Drive-Thru Services

We also understand that sometimes you need quick access to cash or basic transactions without stepping inside the branch. Our ATM services allow for withdrawals and balance checks at any time. Plus, our drive-thru service makes it easy for those quick trips when you need to make deposits or withdrawals without leaving your car. At Point Breeze, we believe in offering more than just banking services; we aim to build relationships with our members. If you're ready to experience personalized financial solutions in a welcoming environment, don't hesitate to reach out! Call us today at (410) 584-7228, visit us at 11104 Mccormick Rd Hunt Valley Md 21031, or check out our website at Hunt Valley for more information on how we can assist you in achieving your financial goals.

Business Banking Services

For our business members, we offer comprehensive business banking solutions that include merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to help with financing options that fit your business model.

Credit Cards & Rewards

Who doesn't love rewards? Our credit cards with rewards allow you to earn points on every purchase, which can be redeemed for exciting perks. It's a simple way to make your spending work for you!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. You can manage your accounts anytime, anywhere whether it's paying bills through our app or transferring money between accounts effortlessly using person-to-person payment features.

Personal Banking Solutions

When it comes to personal banking, we understand that everyone has different goals and needs. That's why our offerings include checking and savings accounts designed to help you manage your everyday finances easily. With features like online and mobile banking, accessing your funds or checking your balance is just a click away. Imagine being able to make deposits or transfers right from your phone while enjoying a cup of coffee at home! For those considering a new vehicle, our auto loans and vehicle financing options can help get you on the road quickly and affordably. If you're looking to buy a home or refinance your current mortgage, our competitive mortgage loans will guide you through the process with ease. We also provide personal loans for debt consolidation or unexpected expenses, ensuring that you have the support needed when life throws a curveball.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization option, allowing you to complete transactions securely without the need for physical paperwork. Plus, with e-statements available, you'll receive your account statements electronically helping reduce clutter while keeping your information safe. For those who prefer banking on their mobile devices, our mobile application makes it easy to manage your money from anywhere. You can even use mobile payments to make purchases directly from your phone, making transactions faster and more convenient than ever before.

Stay Connected

We also offer person-to-person transfers so you can send money to friends and family with just a few taps on your screen. Whether it's splitting a bill or sending a gift, it's simple and quick! Rest assured that every transaction is protected with top-notch security measures. At Point Breeze, we prioritize your safety while ensuring that accessing your accounts is as straightforward as possible. Experience the freedom of real-time account management today! Visit us at https://www.pointbreeze.com/ to learn more about how our digital banking services can fit into your busy life.

Financial Strength

Growing Trust

Total Share and Deposit 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 reinforcing our capability to support your needs. 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 11104 Mccormick Rd Hunt Valley Md 21031 or call (410) 584-7228 to learn more about how we can help you achieve your financial goals.

Investing 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. Our lending capacity supports your financial goals with $6,073 in used auto loans and $630,116,199 in total loans and leases.

Member-Focused Resources

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 strong 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.

Solid 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 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. We provide financing options for both new and used vehicles, making it easier than ever to secure the wheels you want.

Business Loans

For business owners, our outstanding commercial loans totaling $78,309,142 provide the capital needed to grow and expand. We recognize that businesses play a vital role in our community's economy and are committed to supporting local entrepreneurs. If you're considering refinancing any of these options or want to explore eligibility requirements further, please feel free to reach out. Our dedicated team is here to guide you through each step of the process. You can reach us at 410-584-7228, or visit us online at Point Breeze for more information about our loan products and services. 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're committed to providing transparent and accessible lending solutions tailored just for you!

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. Whether you're purchasing a new home or refinancing an existing mortgage, our competitive rates can help you save money while achieving your dream of homeownership.

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. This option allows you to access funds without needing collateral while enjoying manageable repayment plans.

Loan Aggregator

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Point Breeze