Point Breeze Credit Union
Headquarters
11104 Mccormick Rd
Hunt Valley, MD 21031
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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 $922.5 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 | $922.50 million |
| Loans | $593.23 million |
| Deposits | $783.49 million |
| Capital | $125.03 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 - April 18, 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 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
Loan Rates - April 18, 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 |
|---|---|---|---|---|---|---|
NMLS ID: 3029 |
7.106% | 6.990% | 0.63 | $3,929 | $2,127 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Point Breeze
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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
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 |
|---|---|
| 1.99% | 6.97 |
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 December 31, 2023, Point Breeze had $2,469,755 in non-current loans and $44,000 in owned assets. To cover these potential losses it had $125,027,548 in net worth and $1,314,645 in loans loss reserves. That gives it a Texas Ratio of 1.99%.
Net Worth
| Point Breeze | U.S. Average |
|---|---|
| 13.66% | 13.62% |
Point Breeze FCU has a net worth of 13.66% versus the BestCashCow average of 13.62. 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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