Point Breeze Credit Union Owings Mills MD | Best Auto Loans & Checking

Introduction

At Point Breeze, we believe in building lasting relationships with our members and the community. Located at 10110 Reisterstown Rd, Owings Mills, MD 21117, we are proud to serve over 65,000 members who trust us with their financial needs. Since our establishment in 1935, we have grown to manage a robust portfolio of assets totaling $923,572,766 and have provided loans exceeding 22,829 in number. Our commitment to you is evident not just in our numbers but in the personalized service we offer every day. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 10110 Reisterstown Road, Owings Mills, MD 21117-3815. Under the leadership of CEO Tonia Niedzialkowski and Board President Donald Gundlach, Point Breeze has become a pillar of strength in the Owings Mills community. With a dedicated team of 127 employees, we strive to provide exceptional service across a variety of financial products ranging from personal banking and auto loans to business financing solutions. With total deposits reaching $58,828,008 and a net worth of $126,795,421, we are here to ensure your hard-earned money is secure while helping you achieve your financial goals. Whether you're looking for a new home mortgage or simply want to open a savings account, Point Breeze is ready to assist you. Feel free to reach out to us at 410-584-7228 or visit our website at pointbreeze.com for more information about our services. We invite you to experience the difference that a member-focused credit union can make in your financial journey!

Branch History & Mission

Community Commitment

Point Breeze is deeply rooted in its community. From local sponsorships to volunteer initiatives, we are dedicated to making a positive impact in Owings Mills and beyond. Our outreach efforts focus on building relationships that uplift and inspire those around us.

Join Us

We invite you to experience the benefits of being part of Point Breeze. With operating hours designed for your convenience Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM you'll find that we're always ready to help. If you're looking for a financial partner who truly cares about your success and well-being, look no further than Point Breeze. Call us today at 410-584-7228 or visit us online at pointbreeze.com to learn more about how we can assist you on your financial journey!

Our Evolution

Located at 10110 Reisterstown Rd, Owings Mills, MD 21117, Point Breeze started as a small credit union dedicated to helping individuals achieve their financial goals. Over the decades, we have expanded our offerings significantly while staying true to our core values. Today, with total assets exceeding $923 million, we are proud to provide a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. As we grew, so did our commitment to the community. We believe in giving back and forming partnerships that enhance the lives of those around us. Our ATM availability and drive-thru services ensure that banking is convenient for everyone. We have embraced technology as well; our online and mobile banking options allow members to manage their finances effortlessly from anywhere.

Our Mission

At Point Breeze, our mission extends beyond just providing financial services. We strive to empower every member by offering personalized support and guidance tailored to their unique needs. We prioritize ADA compliance to ensure that all members can access our services comfortably. Whether it's assisting with a loan application or providing financial education resources, we are here to support you every step of the way. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to 10110 Reisterstown Road, Owings Mills, MD 21117-3815 if it differs from our main location.

Branch Location & Accessibility

Banking Hours Tailored to You

We understand that life can get busy! That's why we offer 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 help opening a new account or discussing loan options, our team is here during these hours to provide personalized service.

Convenient Access and Amenities

At Point Breeze, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can visit us comfortably. If you're in a hurry or prefer not to enter the branch, take advantage of our drive-thru banking service for quick transactions like deposits and withdrawals. While you can reach us at our physical address, official correspondence should be sent to our mailing address: 10110 Reisterstown Road, Owings Mills, MD 21117-3815.

Services Designed for Your Financial Needs

Our branch offers a variety of services tailored to support your financial journey. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we have something for everyone. Need cash? Our ATM is available on-site for your convenience. Ready to experience the difference? Stop by Point Breeze today or give us a call at 410-584-7228. We look forward to welcoming you into our community!

Member Eligibility

At Point Breeze, we believe that everyone deserves a supportive financial community, and becoming a member is as easy as reaching out. If you live, work, or attend school in our service area or have a family member who is already a member, you're likely eligible to join us. Our friendly team is here to help guide you through the process and answer any questions you may have about membership benefits. By joining Point Breeze, you'll enjoy access to personalized banking services, competitive rates on loans and savings, and a commitment to your financial well-being. Ready to take the next step? You can find detailed eligibility criteria at . If you're eager to open an account, just give us a call at (410) 584-7228 or visit us at our branch located at 10110 Reisterstown Rd Owings Mills Md 21117. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Business Loans 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 Made Simple

In today's fast-paced market, having efficient payment solutions is crucial. Our merchant services allow you to accept payments easily, whether in-store or online. Imagine being able to process transactions quickly, giving your customers the convenience they expect while keeping your cash flow smooth. Located at 10110 Reisterstown Rd Owings Mills Md 21117 in Owings Mills, MD, we invite you to reach out at (410) 584-7228 to learn more about how our business banking and commercial services can fuel your success!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, Point Breeze provides robust business banking services including merchant services and business loans. We understand the unique challenges faced by small businesses and are committed to offering resources that help them thrive.

Credit Cards and Rewards

Enhance your purchasing power with our credit cards that come with rewards programs. Whether it's cashback on everyday purchases or points toward future travel, we offer options that reward you for using your card.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide comprehensive online and mobile banking services. You can manage your accounts from anywhere using our mobile app or website. With features like electronic statements, person-to-person payments, and ATM access for withdrawals and balance checks, you'll find managing your finances easier than ever.

Drive-Thru and ATM Services

For those who prefer in-person transactions but need quick service, our drive-thru banking allows you to handle deposits, withdrawals, and simple transactions efficiently. Plus, our ATMs are available for cash withdrawals and balance inquiries at your convenience. At Point Breeze in Owings Mills, we're more than just a credit union; we're a community partner dedicated to helping you achieve financial success. 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 call us at 410-584-7228. Your financial well-being is our priority!

Mortgage Services

Finding the right home can be overwhelming, but with our mortgage loans and refinancing options, we strive to simplify the process. Our knowledgeable team will guide you through each step, helping you secure a mortgage that aligns with your financial goals.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking services cater to your everyday needs. We understand that managing finances can be challenging, so we offer straightforward solutions that help you keep track of your spending and savings. Our checking and savings accounts come with user-friendly features that allow for easy online management, making it simple for you to access your funds whenever needed.

Vehicle Financing and Loans

If you're considering purchasing a new car or refinancing an existing vehicle loan, Point Breeze offers competitive auto loans designed to fit your budget. With flexible terms and personalized service, we aim to make the car-buying process as stress-free as possible. Additionally, our personal loans provide options for debt consolidation or unexpected expenses, ensuring that you have the financial support you need when life throws a curveball.

Digital & Online Banking

Accessibility Anytime

With 24/7 online banking services available, you can access your accounts whenever it suits you. Whether it's early morning or late at night, managing your finances is as easy as logging in from your computer or mobile device. Additionally, our mobile payments feature lets you make purchases directly from your phone, adding another layer of convenience. Experience banking that works for you at Point Breeze where convenience meets security!

Key Features

With our online banking platform, accessible at https://www.pointbreeze.com/, you can manage your finances with just a few clicks. Whether you're checking your account balance, transferring funds, or paying bills, it's all at your fingertips. Plus, our mobile application ensures you can carry your bank in your pocket perfect for busy schedules! Need to send money quickly? Our person-to-person transfer feature makes it simple to send funds to friends or family without the hassle of cash. And if you prefer paperless statements, enjoy the ease of e-statements, available to keep your records neat and organized.

Security & User-Friendly Experience

Your security is our top priority. We utilize electronic signature authorization to ensure that every transaction is safe and secure. You can feel confident knowing that your financial information is protected while you enjoy the benefits of real-time account management.

Financial Strength

At Point Breeze, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining strong financial health, which allows us to provide exceptional services tailored to your needs. 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 1373 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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 members' financial goals across various sectors with $6,073 in used auto loans and a total of $630,116,199 in loans and leases. Although our current net income is $0, it reflects our commitment to operational efficiency. This enables 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 and committed team. Our strong financial position is highlighted by the fact that we have a total of 110,588 share accounts, showing a robust and growing member base that trusts us with their finances. 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 10110 Reisterstown Rd Owings Mills Md 21117 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.

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 interested in financing a new model or purchasing a reliable used vehicle, our team is ready to assist you every step of the way.

Business Financing

For business owners, our outstanding commercial loans totaling $78,309,142 provide the capital needed to grow and expand. We know how important it is to have access to funds when you need them most. At Point Breeze located at 10110 Reisterstown Rd Owings Mills MD 21117, we're dedicated to providing excellent service and support as you navigate your financial options. If you have any questions or need assistance with refinancing or understanding eligibility for our loan products, feel free to reach out at 410-584-7228. 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 us help you take the next step toward achieving your financial goals!

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 can guide you through the process and help you find the right mortgage solution tailored to your budget.

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. Our credit cards come with rewards and benefits that make everyday spending more rewarding.

Loan Aggregator

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Point Breeze