Point Breeze Credit Union

Headquarters

11104 Mccormick Rd
Hunt Valley, MD 21031
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 5.50% →
1-Year CD 0.35% 4.65% →
2-Year CD 0.45% 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Point Breeze is an NCUA insured institution located in Hunt Valley, MD. It was founded in 1935 and has approximately $931.66 millions in assets.

Who can join?

You can join by three methods:

Employer
Employees and retirees of employers located within a 20-mile radius of a Point Breeze Credit Union office are eligible to join.

Organization
If you worship, volunteer, are a member of, or participate with an organization located within a 20-mile radius of a Point Breeze Credit Union office, you are eligible to join.

Family
Immediate family of existing members are eligible to join. Immediate family are individuals defined as: spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, step-sibling, or any adopted relative. In addition, individuals living in the same residence and maintaining a single economic unit with an individual who is eligible for membership may join.

Once family members join the credit union, they may also extend credit union membership to their immediate family as defined above.

NCUA Insured Yes / State-Chartered
Charter Number # # 66585
Date Established 1935
Assets $931.66 million
Loans $619.72 million
Deposits $786.36 million
Capital $126.01 million
 

Field of Membership Restrictions

Membership in Point Breeze Credit Union is open to employees, retirees or volunteers of businesses or community organizations within a 20-mile radius of one of the credit union's branches or employees of over 300 area Select Employer Groups.

Deposit Rates - December 23, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.45% $10,000 $14,999 Learn More
24 Mo CD
0.45% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More

Loan Rates - December 23, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Point Breeze

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.960% 6.875% 0.63 $2,764 $2,103 Learn More
Advantage Lending
NMLS ID: 2592312
License#: RM.805266.000
6.966% 6.875% 0.50 $3,145 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.338% 7.250% 0.88 $2,800 $2,183 Learn More
Neighbors Bank
NMLS ID: 491986
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
6.990 %
After Intro: 6.990 %
$0 Learn More
More Info
Rate
Rate
See Table
Intro APR
7.900 %
After Intro: 7.900 %
$25,000 Learn More
More Info

Note to Point Breeze
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Point Breeze branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio


Point Breeze Locations around zip code 43085


BranchDistance Map View Lobby Hours

Hunt Valley

337.71 A View Lobby Hours

Golden Ring

347.65 B View Lobby Hours

Bel Air

353.65 C View Lobby Hours

Westminster

1957.15 D View Lobby Hours


Climate Policy and Initiatives

POINT BREEZE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Point Breeze Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Point Breeze. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Point Breeze U.S. Average
1.23% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Point Breeze had $1,526,812 in non-current loans and $44,000 in owned assets. To cover these potential losses it had $126,005,454 in net worth and $1,314,645 in loans loss reserves. That gives it a Texas Ratio of 1.23%.

Net Worth
Point Breeze U.S. Average
13.6% 13.93%

Point Breeze FCU has a net worth of 13.6% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Point Breeze

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