Point Breeze Credit Union

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A short history of Point Breeze CU

Since its inception in 1935 the Point Breeze Credit Union has been serving its members in the Hunt Valley, Maryland area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Bernard McLaughlin, the Point Breeze CU has grown its membership to over 53,062 with assets of more than $763,664,671. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (410) 584-7228 or email them at mail@pbcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Hunt Valley, MD.

General Information For Point Breeze CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 66585
Address 11104 McCormick Rd 
City Hunt Valley 
State Maryland 
Zip-Code 21031
Phone Number (410) 584-7228
Fax Number (410) 771-8491
Email Address: mail@pbcu.com
CEO/President Bernard McLaughlin
Members 53,062 
Full-Time Employees 112 
Part-Time Employees
Number of Branch Offices
Total Assets 763,664,671 
Website http://www.pbcu.com 

Compare Point Breeze Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Atlantic Financial CU Atlantic Financial FCU 40 Schilling Rd 21031 (410) 584-7474 No 0.44
First Financial Of Maryland CU Heaver Plaza 1301 York Rd 21093 (410) 321-6060 No 5.35
Baltimore County Employees CU BCEFCU-Towson 23 W Susquehanna Ave 21204 (410) 828-4730 No 6.65
St. Joseph Medical Center Md CU St Joseph Medical Center MD FCU 7601 Osler Dr 21204 (410) 337-1319 No 7.12
Central Credit Union Of Maryland,in CU Main Office 8501 La Salle Rd 21286 (410) 828-4500 No 7.76

Point Breeze Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Point Breeze Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 13.95 1.74 1.99 4.25 1.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 495 18 21 174 1
Rank Among All Maryland Credit Unions 40 3 3 24 1

Point Breeze Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.25 0.35 N/A 1.98 1.98
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 95 81 N/A 41 51
Rank Among All Maryland Credit Unions 3 9 N/A 3 2
Point Breeze Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 13.9508,48411,700,565
All Other Unsecured Loans/Lines of Credit 13.9503,94210,300,272
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.7401,27623,689,977
Used Vehicle Loans 1.9906,34879,782,435
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.2501,653229,650,176
Total Other Real Estate Loans/Lines of Credit 1.00066819,582,356
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0001,59713,027,357
TOTAL LOANS & LEASES 23,968387,733,138

Point Breeze Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 1,041157,557,3654610,172,345
    b. 15 Years or less 51038,928,637272,511,775
    a. > 15 years 5219,594,67267,651,800
    b. 15 Years or less 3210,299,55353,435,770
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 346,95400
Adjustable Rate > 1 yr 153,222,9952583,000


Closed-End Fixed Rate 2848,595,794411,616,500
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 38410,986,5622003,883,077
Open-End Fixed Rate 0000
TOTALS 2,321249,232,53232729,854,267


Interest Only & Payment Option 1st Mortgage Loans 576,010,2644,501,770
Interest Only & Payment Option Other RE/LOC Loans 883,028,1021,546,500
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Point Breeze Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes