Point Breeze Credit Union Westminster MD | Quick Personal Loans & ATM Access

Introduction

Welcome to Point Breeze, your trusted financial partner located at 405 Englar Rd, Westminster, MD 21157. Since our establishment in 1935, we have been dedicated to providing exceptional banking services to our growing community of over 65,000 members. With a strong commitment to serving our members, we have accumulated impressive assets totaling $923,572,766 and manage deposits of $58,828,008, ensuring that your funds are safe and sound. At Point Breeze, we take pride in offering a range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and business financing options, we're here to support you every step of the way. Our experienced team is led by CEO Tonia Niedzialkowski and Board President Donald Gundlach, who are both committed to fostering a welcoming environment where our members feel valued. While members can visit us at our branch for in-person assistance or use our convenient online banking options, please note that official correspondence should be directed to 405 Englar Rd, Westminster, MD 21157-4851 if it differs from our branch address. Our dedication goes beyond just numbers; with total loans reaching 22,829 and a net worth of $126,795,421, we strive to empower our members through responsible lending and community-focused initiatives. Whether you're looking for personal loans or credit cards with rewards, you can count on Point Breeze for reliable service backed by integrity. We invite you to discover all that Point Breeze has to offer. Feel free to reach out via phone at 410-584-7228 or visit us online at Point Breeze for more information about how we can help you achieve your financial goals. Your journey towards better banking starts here!

Branch History & Mission

Welcome to Point Breeze, a credit union that has proudly served the Westminster community since 1935. With a rich history spanning over eight decades, Point Breeze has become a cornerstone of financial support for its members and the local area. Located at 405 Englar Rd, Westminster, MD 21157, our branch is conveniently positioned near key landmarks, making it easy for you to visit us. From our humble beginnings, we have grown significantly, currently boasting a total membership of 65,013 and total assets reaching an impressive $923,572,766. This growth reflects not only our commitment to providing excellent financial services but also our dedication to fostering strong community ties. Our mission is clear: to offer accessible and affordable financial solutions while supporting the well-being of our members and the communities we serve. At Point Breeze, we believe in empowering individuals through financial education and personalized service. Our offerings include personal banking options such as checking and savings accounts, auto loans, mortgage financing, and business banking services. We are dedicated to being there for our members every step of the way whether it's through face-to-face interactions or digital platforms. Our drive-thru service and ATM availability ensure that you can access your funds conveniently. We also strive to stay ahead in technology with features like online banking, mobile payments, and e-statements. These advancements ensure that managing your finances is easier than ever before. Additionally, we are committed to ADA compliance so all members can benefit from our services without barriers. Our mission extends beyond just financial transactions; we actively engage in community outreach initiatives that make a real impact in Westminster and surrounding areas. Through partnerships with local organizations and participation in community events, we aim to uplift those around us. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 405 Englar Rd, Westminster, MD 21157-4851. Join us at Point Breeze today! Experience the warmth of our community-focused approach and discover how we can help you achieve your financial goals. For more information or assistance, don't hesitate to reach out at 410-584-7228. Together, let's build a brighter future!

Branch Location & Accessibility

Get in Touch

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!

Operating Hours

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.

Our Services and Features

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.

Member Eligibility

Becoming a member of Point Breeze feels like joining a caring family where your financial needs are understood and prioritized. If you're looking to join our community, you'll be pleased to know that eligibility is open to anyone who lives, works, worships, or attends school in the local area. Our mission is to provide exceptional service and support to our members, ensuring they have access to a range of financial products designed just for them. Whether it's personal banking or loan services, we're here for you every step of the way. To make the membership process as smooth as possible, simply visit us at our branch located at 405 Englar Rd Westminster Md 21157 or give us a call at (410) 584-7228. We encourage you to check out the detailed eligibility criteria available on our website at , where you can find all the information you need about becoming part of our community. Joining Point Breeze means more than just opening an account; it means gaining a partner in your financial journey!

Business Banking & Commercial Services

Lending Options 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 Make Transactions Easy

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!

Comprehensive List Of Services

ATM & Drive-Thru Services

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!

Business Banking

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.

Digital Banking Features

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.

Home Financing

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.

Loans and Credit

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.

Personal Banking

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.

Digital & Online Banking

At Point Breeze, we understand that convenience and security are essential in today's fast-paced world. That's why we've invested in robust digital and online banking services that allow you to manage your finances from the comfort of your home or on the go. Whether you're checking your balance, transferring money, or paying bills, our online banking services are designed to make your life easier. Explore our online banking platform at https://www.pointbreeze.com/ where you can access 24/7 services tailored to meet your needs. With just a few clicks, you can view your account statements, make transactions, and even enroll in e-statements for quick and easy access to your financial documents. Our electronic signature authorization feature ensures that signing documents is straightforward and secure, giving you peace of mind as you complete necessary tasks online. Need to send money to a friend? Our person-to-person transfer option makes it simple and fast. Just enter their information and send funds directly from your account. Plus, if you're always on the move, you'll love our mobile application, which offers all the features of online banking right in your pocket. You can also take advantage of mobile payments making purchases a breeze without needing cash or cards. We prioritize your security with advanced measures that protect your information while providing a user-friendly experience. This way, you can focus on what matters most without worrying about safety concerns. With Point Breeze, managing your finances has never been easier or more secure. Join us today and experience the freedom of digital banking!

Financial Strength

Earnings and Lending Capacity

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.

Growing Membership Trust

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.

Member Savings and Investments

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

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.

Our 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 1373 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. 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.

Commercial Loans

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.

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 are committed to helping you navigate the complexities of home financing so you can focus on what matters most making your house a home.

Refinancing Options

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.

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. These cards provide not only convenience but also rewards and benefits tailored to your lifestyle.

Loan Aggregator

Building Trust Through User Experiences

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 testimonial underscores the effectiveness of LendMesh in delivering valuable insights into loan options. 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 commitment to sourcing data from legitimate financial institutions ensures that users receive fair and transparent offers. LendMesh stands out in several key ways: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions.

Point Breeze