Have questions or need assistance? Don't hesitate to call us at 410-584-7228. Our team is ready to help with personal banking services like checking accounts, auto loans, mortgage options, and more! We invite you to visit Point Breeze today your friendly neighborhood credit union awaits!
We're open during convenient hours to fit your busy schedule! 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 have banking errands during the week or prefer weekend visits, we're here for you. While members can visit us at 405 Englar Rd Westminster Md 21157, official correspondence should be sent to our mailing address: 405 Englar Rd, Westminster, MD 21157-4851.
At Point Breeze, we believe in making banking accessible for everyone. Our branch offers ample parking and features that comply with ADA standards, ensuring all members can enjoy our facilities comfortably. With our drive-thru service available, you can take care of deposits and withdrawals without leaving your vehicle. Plus, we have an ATM on-site for quick cash access whenever you need it.
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.
In addition to loans, we offer merchant services that simplify payment processing. Imagine a local café seamlessly accepting credit cards while managing their inventory effectively our services make this possible. By partnering with us, you can focus on running your business while we handle the financial transactions. Located at 405 Englar Rd, Westminster, MD 21157, we're here to help your business thrive. For more information about our offerings or to discuss your specific needs, give us a call at 410-584-7228. Let's work together to turn your business goals into reality!
We also provide essential services such as ATM access for withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions. This ensures that whether you're in a rush or prefer the ease of automated banking, Point Breeze has you covered. At Point Breeze in Westminster, we're committed to helping you achieve your financial goals with personalized service and flexible options. If you have any questions or need assistance with our offerings, don't hesitate to call us at 410-584-7228. Ready to experience all these benefits? Visit us today at 405 Englar Rd or check out our website at Point Breeze for more information!
If you're a business owner, our business banking solutions are here for you too! From merchant services to business loans, we understand what it takes to run a successful operation. Our team is ready to support your entrepreneurial journey.
In today's fast-paced world, convenience is key. That's why Point Breeze offers robust online and mobile banking options. Manage your accounts from anywhere with features like person-to-person payments and electronic statements. With just a few taps on your smartphone or clicks on your computer, you can easily access your funds or check balances without stepping into the branch.
When it comes to home ownership, we provide mortgage loans and refinancing options designed to suit various budgets and situations. Whether you're buying your first home or looking to refinance an existing mortgage, our friendly staff will guide you through the process.
For those unexpected expenses or projects, our personal loans and debt consolidation services can help lighten your financial load. Plus, we offer credit cards with rewards that make everyday spending more rewarding. You can earn points for cash back or travel while enjoying the convenience of using credit responsibly.
Our personal banking services include checking and savings accounts that fit your lifestyle. Imagine easily managing your day-to-day expenses while watching your savings grow. With Point Breeze, you can also take advantage of auto loans and vehicle financing to make that dream car a reality. We offer competitive rates to help you drive away with ease.
With $126,356,905 in undivided earnings, we reinvest in innovative banking tools and stronger lending options 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.
Total Share and Deposit Accounts stand at 110,588, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $2,010,806, further emphasizing our commitment 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 405 Englar Rd Westminster Md 21157 or call 410-584-7228 to learn more about how we can help you achieve your financial goals.
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.
Although our current net income stands at $0, this reflects our commitment to operational efficiency while ensuring we can provide quality service without sacrificing value. 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 team.
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.
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 brand-new model or a reliable used vehicle, our team is here to guide you through the process.
For business owners seeking capital for growth or expansion, our outstanding commercial loans totaling $78,309,142 provide essential support. We're dedicated to working alongside businesses to foster success within our community.
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 are committed to helping you navigate the complexities of home financing so you can focus on what matters most making your house a home.
If you're looking at refinancing options or checking your eligibility for any of our loan products, our team is ready to assist you. We aim to ensure that every member finds the right solution tailored just for them. 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 Credit Union, we prioritize transparency and commitment to serving our members with integrity and care. Visit us today or check out more information online at Point Breeze.
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. These cards provide not only convenience but also rewards and benefits tailored to your lifestyle.
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