# Point Breeze Credit Union ## About Point Breeze Credit Union Point Breeze Credit Union provides personal banking solutions for individual members in Maryland including free checking accounts, savings accounts, mortgages, home equity loans, auto loans, credit cards and CDs. For our business banking members, we offer business checking, business savings, business loans, real estate loans, equipment loans and more. Please visit one of our Maryland branches in Bel Air, Hunt Valley, Owings Mills, Rosedale or Westminster. You can also download our mobile app or bank online anytime. ## Blog - [Point Breeze Blog](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog): Point Breeze Credit Union in MD offers a financial education blog with tips on budgeting, business, credit, loans, retirement and more. Explore our blog. ## Blog Posts - [10 Scams Targeting Older Adults](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/july-2022/10-scams-targeting-older-adults): Online fraud, phishing and more financial scams have been targeting older adults. Read Point Breeze Credit Union's article to learn what to watch out for. - [10 Ways to Maximize Financial Wellness Month](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/january-2024/10-ways-to-maximize-financial-wellness-month): January is financial wellness month. Point Breeze Credit Union offers tips and tricks to help you maximize your financial goals. Read for more information. - [A Fresh Financial Start: Smart Money Moves for the New Year](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/january-2026/a-fresh-financial-start-smart-money-moves-for-the-new-year): The New Year is the time to make smart money moves. Find financial tips, habits and more from Point Breeze Credit Union to help reach your savings goals. - [All About Credit Scores](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/october-2021/all-about-credit-scores): Learn all about the importance of having a good credit score and what factors have a negative impact in this Point Breeze Credit Union blog post. Read it. - [Beware of Debt Relief Scams When Looking for Student Loan Relief](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/march-2024/beware-of-debt-relief-scams-when-looking-for-student-loan-relief): Debt relief scams target people paying off student loans. Find tips from Point Breeze Credit Union on how to identify and stay protected from these scams. - [Building Financial Confidence: A Guide for Financial Planning Month](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/october-2025/building-financial-confidence-a-guide-for-financial-planning-month): Point Breeze Credit Union offers a guide for building your financial confidence during Financial Planning Month. Explore budgeting and saving tips today. - [Building Your Future: Creating A Strong Financial Foundation](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/april-2026/building-your-future-creating-a-strong-financial-foundation): Point Breeze Credit Union in MD shares tips to help you build your future, starting with creating a strong financial foundation to work from. Read more. - [Creating an Outdoor Oasis in Your Backyard—Without Stretching Your Budget](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/may-2026/creating-an-outdoor-oasis-in-your-backyard-without-stretching-your-budget) - [Credit Cards](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/january-2025/credit-cards): Credit cards can increase credit scores, rewards and more. Read the article from Point Breeze Credit Union to learn about credit card rates and benefits. - [Credit Inquiries: Hard vs. Soft Pulls](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/april-2023/credit-inquiries-hard-vs-soft-pulls): Learn about the two types of credit pulls: hard inquiries and soft inquiries and how they work in this article from Point Breeze Credit Union. Read it. - [Feast Without the Financial Stress: Smart Tips for a Budget-Friendly Thanksgiving](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/november-2025/feast-without-the-financial-stress-smart-tips-for-a-budget-friendly-thanksgiving): Point Breeze Credit Union has smart tips and tricks for a budget-friendly Thanksgiving and holiday season for your financial goals. Read the article today. - [Financial Freedom: A True Celebration of Independence Day](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/june-2025/financial-freedom-a-true-celebration-of-independence-day): Financial independence is important. Read Point Breeze Credit Union's tips on investing, debt consolidation, saving and more to achieve financial freedom. - [Financial Literacy Month](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/april-2025/financial-literacy-month): April is financial literacy month. Read Point Breeze Credit Union's article to learn about budgeting, investing, saving, credit, managing debt and more. - [Have Yourself a Budget-Friendly Christmas: Smart Spending Tips to Keep the Holiday Cheer](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/december-2025/have-yourself-a-budget-friendly-christmas-smart-spending-tips-to-keep-the-holiday-cheer): Point Breeze Credit Union offers smart spending tips for your holiday budget. Read the article to learn budget-friendly tricks to keep the holiday cheer. - [Inflation Blog](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/september-2024/how-to-adjust-your-budget-for-inflation): Working to reach your savings goals? Point Breeze Credit Union has tips and tricks on how to adjust your budget for inflation. Read the financial article. - [Investment Scams](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/june-2024/investment-scams): Point Breeze Credit Union offers security tips to identify investment scams, keep your assets secure and stay protected from fraud. Read the blog for more. - [New Year's Resolution: Take Control of Your Money in the Year Ahead](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/december-2024/new-year-s-resolution-take-control-of-your-money-in-the-year-ahead): Point Breeze Credit Union offers tips to help you set financial goals to take control of your money in the new year. Read about budgeting, saving and more. - [Preparing for Summer Vacation](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/may-2024/preparing-for-summer-vacation): Need ways to prepare for your vacation? Find financial tips to help you get ready for the trip with this blog article from Point Breeze Credit Union. - [Put Your Home's Equity to Work for You](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/december-2021/put-your-home-s-equity-to-work-for-you): Learn how to put your home's equity to work for you with a home equity loan or line of credit in this article from Point Breeze Credit Union. Read it. - [Road Trip Tips](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/may-2025/road-trip-tips): Planning a road trip? Point Breeze Credit Union offers tips and tricks to help you budget your personal finances and prepare for travel. Read the article. - [Romance Scams](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/february-2024/romance-scams): Scammers can get to your heart and your wallet. Point Breeze Credit Union recommends ways to beware of romance scams this Valentine's Day. Read more. - [Teaching Your Teen About Money](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/june-2021/teaching-your-teen-about-money): In this Point Breeze Credit Union article, learn how to teach your teen about money like saving for a future goal, creating a budget and more. Read it. - [Tips to Get You Through Tax Season](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/april-2024/tips-to-get-you-through-tax-season): Tax season is right around the corner! Point Breeze Credit Union offers tips and tricks to help you get through this tax season. Read the blog article. - [Where Loves Meets Money: A Valentine's Day Guide to Financial Romance](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/february-2026/where-loves-meets-money-a-valentine-s-day-guide-to-financial-romance): Point Breeze Credit Union offers a financial guide to romance this Valentine's Day. Explore ways to check in with your partner about budgets and savings. - [Zelle vs. Payrailz: Which Digital Payment Platform Works Harder for You?](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/september-2025/zelle-vs-payrailz-which-digital-payment-platform-works-harder-for-you): Point Breeze Credit Union has details on the digital platforms Zelle and Payrailz. Find details about P2P payments, banking apps, money transfers and more. - [6 Tips to Save You Money This Thanksgiving](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/july-2022/6-tips-to-save-you-money-this-thanksgiving): The holiday season can be a stressful time for your finances. Point Breeze Credit Union offers tips for you to save money this Thanksgiving. Read more. - [Beware of Scammers Impersonating Point Breeze Credit Union, Other Financial Institutions](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/april-2024/beware-of-scammers): Beware of scammers impersonating Point Breeze Credit Union or other financial institutions. Find out how to protect yourself in our blog article. Read it. - [No Tax on Car Loan Interest](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/february-2026/no-tax-for-car-loan-interest): Point Breeze Credit Union gets into detail about the New Auto Loan Interest Deduction. See if you are eligible for no tax on your car loan interest today. - [Should I Contribute to My 401(K) Plan at Work?](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/october-2021/should-i-contribute-to-my-401-k-plan-at-work): Should you contribute to your 401(K) plan at work? Yes! Learn about the financial and tax benefits in this article from Point Breeze Credit Union. Read it. - [Start Small, Save Smart: Building Your First $500 Emergency Fund](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/april-2026/start-small-save-smart-building-your-first-$500-emergency-fund): Building an emergency fund is one of the most important savings goals to focus on. Read this article from Point Breeze Credit Union in MD to learn why. - [What You Need to Know Before Buying a Car](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/december-2021/what-you-need-to-know-before-buying-a-car): Learn about credit scores, loan pre-approval and everything you need to know before buying a car in this article from Point Breeze Credit Union. Read it. - [Don't Get Caught! How to Avoid the Bait of Phishing Scams](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/september-2023/don-t-get-caught-how-to-avoid-the-bait-of-phishing-scams): Don't get caught! Learn about common email scams and how to avoid the bait of phishing scammers in this article from Point Breeze Credit Union. Read it. - [Getting an Auto Loan: Why Your Credit Score Matters](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/december-2021/getting-an-auto-loan-why-your-credit-score-matters): Getting an auto loan? Find out why your credit score matters and what goes into your credit report in this article from Point Breeze Credit Union. Read it. - [Have a Happy Halloween Without Scaring Your Budget](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/october-2021/have-a-happy-halloween-without-scaring-your-budget): Looking for costumes, candy and more? Point Breeze Credit Union offers savings tricks that won't scare your budget, for a happy Halloween. Read for more. - [Saving With Purpose: Turning Your Values Into Financial Goals](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/april-2026/saving-with-purpose-turning-your-values-into-financial-goals): Point Breeze Credit Union offers guidance to help you save with purpose, align your money with what matters most & build better financial habits. Read now. - [Balance Your Budget: 5 Simple Steps to Pay Down Debt and Still Save](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/april-2026/balance-your-budget-5-simple-steps-to-pay-down-debt-and-still-save): Point Breeze Credit Union in MD offers helpful tips to help you balance your budget and pay down debt while still saving money for the future. Read more. - [Big Banks vs. Credit Unions: What's the Real Difference?](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/february-2026/big-banks-vs-credit-unions-what-s-the-real-difference): Point Breeze Credit Union details the differences between banks and credit unions. Read the article to find which financial institution is right for you. - [Resolution for the New Year: Build an Emergency Fund](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/december-2021/resolution-for-the-new-year-build-an-emergency-fund): The new year is the perfect time to build an emergency savings fund. Point Breeze Credit Union suggests ways to save for emergencies. Read the article. - [10 Ideas to Make This Holiday Season Merry and Bright](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/december-2021/10-ideas-to-make-this-holiday-season-merry-and-bright): Point Breeze Credit Union has fun ideas to save yourself money this holiday season. Read financial savings tips on how to make things merry and bright. - [Small Habits, Big Impact: Building Financial Confidence Over Time](https://www.pbcu.com:443/resources/financial-education/point-breeze-blog/april-2026/small-habits-big-impact-building-financial-confidence-over-time): Building good financial habits can lead to huge improvements in your financial wellness. Read this blog from Point Breeze Credit Union in MD to learn more. ## Products & Services - [Auto Loans](https://www.pbcu.com:443/loans-credit/loans/auto-loans): Point Breeze Credit Union in MD offers car, truck and more vehicle financing options with low interest rates. Apply for an auto loan to get preapproved. - [Become a Member](https://www.pbcu.com:443/about/join-us/become-a-member): Become a member of Point Breeze Credit Union in MD to tap into all of the benefits we offer. Learn about membership eligibility and business partnerships. - [Business Banking Contact Form](https://www.pbcu.com:443/forms/business-banking-contact-form): Have questions about banking for your MD business? Fill out Point Breeze Credit Union's Business Banking Contact Form to contact a business representative. - [Business Banking Team](https://www.pbcu.com:443/business/team/business-banking-team): At Point Breeze Credit Union, our business lenders and banking professionals are available for all of your MD business' financial needs. Get in touch now. - [Business Checking](https://www.pbcu.com:443/business/banking/business-checking): Point Breeze Credit Union in MD offers checking accounts to match all your business banking needs. Compare business accounts and contact us to get started. - [Checking](https://www.pbcu.com:443/banking/accounts/checking): A Checking Account at Point Breeze Credit Union in MD lets you manage money conveniently with Online Banking. See our checking options and open an account. - [Insurance & Protection](https://www.pbcu.com:443/resources/services/insurance-protection): Point Breeze Credit Union offers affordable insurance to cover all areas of life for our MD members with home, life, auto and AD&D insurance. Contact us. - [Merchant Services](https://www.pbcu.com:443/business/services/merchant-services): At Point Breeze Credit Union in MD, our Merchant Services include helping you implement a credit card processing system from a local provider. Contact us. - [Mortgages](https://www.pbcu.com:443/mortgages/home-loans/mortgages): Need a home loan? Point Breeze Credit Union in MD offers Fixed-Rate and Adjustable Rate Mortgages (ARM) with low down payments & flexible terms. Apply now. - [Online Banking & Bill Pay](https://www.pbcu.com:443/banking/manage-accounts/online-banking-bill-pay): Point Breeze Credit Union in MD has Online Banking, Bill Pay and eStatements for managing your accounts and payments. Log in or enroll in online banking. - [Rates](https://www.pbcu.com:443/resources/popular-requests/rates): Point Breeze Credit Union in MD offers competitive savings interest rates plus low loan rates on mortgages, auto loans, HELOCs and more. Explore rates. - [Visa® Credit Cards ](https://www.pbcu.com:443/loans-credit/credit-cards/visa-credit-cards): Point Breeze Credit Union in MD offers a Visa Credit Card that includes cash back, great rewards and has no annual fee. Apply for a credit card online. - [Who We Are](https://www.pbcu.com:443/about/why-point-breeze/who-we-are): Point Breeze Credit Union in MD is a not-for-profit cooperative and our sole purpose is to serve the needs of members. Learn more about us and who we are. - [Auto Insurance](https://www.pbcu.com:443/resources/services/insurance-protection/auto-insurance): Car insurance can be expensive but Point Breeze Credit Union in MD offers discounts on Auto, GAP and Vehicle Extended Warranty insurance. Get a free quote. - [Boat, Motorcycle & RV Loans](https://www.pbcu.com:443/loans-credit/loans/boat-motorcycle-rv-loans): Looking for a vehicle loan? Get a boat, motorcycle or RV loan with flexible terms and low interest rates at Point Breeze Credit Union in MD. Apply online. - [Business Loans & Lines of Credit](https://www.pbcu.com:443/business/loans/business-loans-lines-of-credit): The Business Loans and Lines of Credit from Point Breeze Credit Union in MD include financing for real estate and vehicles. Learn more and contact us. - [Business Partners](https://www.pbcu.com:443/about/join-us/become-a-member/business-partners): Enhance your company's employee benefits at no cost to you with a membership at Point Breeze Credit Union in MD. Learn more and contact us to get started. - [Business Savings & CDs](https://www.pbcu.com:443/business/banking/business-savings-cds): Strengthen your company's financial foundation with a Business Savings Account or CD at Point Breeze Credit Union in MD. Explore accounts and contact us. - [Business Share Savings](https://www.pbcu.com:443/business/banking/business-savings-cds/business-share-savings): A Business Share Savings account at Point Breeze Credit Union in MD has offers competitive rates and pays quarterly dividends. Contact us to get started. - [Essential Business Checking](https://www.pbcu.com:443/business/banking/business-checking/essential-business-checking): The Essential Business Checking account at Point Breeze Credit Union in MD offers anytime access with Online Banking and our handy Mobile App. Contact us. - [Free Checking PLUS+](https://www.pbcu.com:443/banking/accounts/checking/free-checking-plus): With our Free Checking PLUS+ account at Point Breeze Credit Union in MD, you earn interest and get ATM fee refunds every month. Open an account today. - [Headquarters Hunt Valley Office](https://www.pbcu.com:443/locations-atms/headquarters-hunt-valley-office): From applying for a home or auto loan to opening an account, the team at Point Breeze Credit Union on in Hunt Valley, MD is ready to assist you. Visit us. - [Investments & Retirement](https://www.pbcu.com:443/resources/services/investments-retirement): Get objective financial advice from the advisors at Point Breeze Credit Union in MD on Investments, Retirement Planning and Education Planning. Contact us. - [Leadership](https://www.pbcu.com:443/about/why-point-breeze/who-we-are/leadership): Point Breeze Credit Union in MD thrives on great leadership with its management professionals, Board of Directors and Supervisory Committee. Learn more. - [Loan Rates](https://www.pbcu.com:443/resources/popular-requests/rates/loan-rates): Borrow the money you need at the rate you want with Point Breeze Credit Union in MD. Explore our competitive mortgage, HELOC, car and vehicle loan rates. - [Lost or Stolen Cards](https://www.pbcu.com:443/resources/popular-requests/lost-or-stolen-cards): Is your card missing? Find out how to report a lost or stolen debit or credit card with Point Breeze Credit Union in MD and learn how to change your pin. - [Member Offers](https://www.pbcu.com:443/about/join-us/member-offers): Members of Point Breeze Credit Union in MD benefit from special discounts on insurance, tax prep services and more. Explore member offers and join now. - [Mobile Banking](https://www.pbcu.com:443/banking/manage-accounts/mobile-banking): The handy mobile banking app from Point Breeze Credit Union in MD lets you deposit checks, transfer money and pay bills from your phone. Download the app. - [Mortgage Refinancing](https://www.pbcu.com:443/mortgages/home-loans/mortgage-refinancing): When you refinance your home loan at Point Breeze Credit Union in MD at competitive rates, you could lower your monthly mortgage. Learn more and apply now. - [News & Events](https://www.pbcu.com:443/about/why-point-breeze/news-events): Learn about the latest news, scholarship announcements, and upcoming events from Point Breeze Credit Union in MD. Explore news and see our events calendar. - [Payroll Processing](https://www.pbcu.com:443/business/services/payroll-processing): Payroll processing at Point Breeze Credit Union includes direct deposit, attendance, employee benefits and more for your MD business. Contact us today. - [Real Estate Loans](https://www.pbcu.com:443/business/loans/business-loans-lines-of-credit/real-estate-loans): A Real Estate Loan at competitive interest rates from Point Breeze Credit Union in MD can help make your plan for business expansion a reality. Contact us. - [Security & Fraud Prevention](https://www.pbcu.com:443/resources/financial-education/security-fraud-prevention): Point Breeze Credit Union in MD has security measures like text alerts to help you identify scams, prevent fraud and safeguard your accounts. Learn more. - [Share Savings](https://www.pbcu.com:443/banking/accounts/savings/share-savings): Open a Share Savings account with just $5 to earn competitive interest rates and become a member at Point Breeze Credit Union in MD. Open an account. - [Talking About Money is Healthy](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/financial-health): Talking about money is a great way to improve your financial health. Find ways to enhance your financial planning journey from Point Breeze Credit Union. - [Traditional IRA](https://www.pbcu.com:443/banking/accounts/iras/traditional-ira): A Traditional IRA at Point Breeze Credit Union in MD can build up your savings over the long term. Contact us to open an Individual Retirement Account. - [Annual "The Harvest" Golf Tournament](https://www.pbcu.com:443/about/why-point-breeze/news-events/annual-the-harvest-golf-tournament): The Harvest Golf Tournament has helped Point Breeze Credit Union raise $220k in donations for Maryland Food Bank. Get the details about this year's event. - [Bel Air Office](https://www.pbcu.com:443/locations-atms/bel-air-office): The team at Point Breeze Credit Union's branch located at 410 S. Atwood Road in Bel Air, MD is ready to help you apply for a home equity loan. Visit us. - [Business Certificates of Deposit](https://www.pbcu.com:443/business/banking/business-savings-cds/business-certificates-of-deposit): A Business Certificate of Deposit at Point Breeze Credit Union in MD is a high yield account with dividends credited monthly. Contact us to open your CD. - [Business Credit Cards](https://www.pbcu.com:443/business/loans/business-credit-cards): The Business Visa Credit Card from Point Breeze Credit Union in MD helps you manage daily purchases and rewards you in the process. Contact us to apply. - [Business Lines of Credit](https://www.pbcu.com:443/business/loans/business-loans-lines-of-credit/business-lines-of-credit): Get business financing at Point Breeze Credit Union in MD with a Business Line of Credit to help address cash flow or purchase inventory. Contact us now. - [Business Plus Checking](https://www.pbcu.com:443/business/banking/business-checking/business-plus-checking): The Business Plus Checking account at Point Breeze Credit Union in MD checks all the boxes with online banking, no minimum balance and more. Contact us. - [Business Rates & Fees](https://www.pbcu.com:443/business/banking/business-rates-fees): Point Breeze Credit Union in MD keeps your bottom line in mind with competitive interest rates on business loans and savings accounts. Explore our rates. - [Card Management](https://www.pbcu.com:443/banking/manage-accounts/card-management): Card Management from Point Breeze Credit Union in MD offer more control of your debit and credit cards. Download the mobile banking app to get started. - [Employee Retirement Plans](https://www.pbcu.com:443/business/services/employee-retirement-plans): Point Breeze Credit Union helps MD businesses enhance employee benefits by offering a SEP retirement plan option with IRA contributions. Contact us today. - [FAQs](https://www.pbcu.com:443/resources/popular-requests/faqs): Point Breeze Credit Union has compiled a list of Frequently Asked Questions from our MD members. Explore our FAQs and contact us if you need more help. - [Finance for High Schoolers](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/finance-for-high-schoolers): Point Breeze Credit Union offers financial conversation topics for high school students. Explore tips for saving money, budgeting, borrowing and more. - [History](https://www.pbcu.com:443/about/why-point-breeze/who-we-are/history): Learn the story of how Point Breeze Credit Union has served members in Maryland since our opening in 1935. Read our history and become a member today. - [Home Equity Lines of Credit](https://www.pbcu.com:443/mortgages/home-loans/home-equity-lines-of-credit): Put your home's equity to work with a Home Equity Line of Credit from Point Breeze Credit Union in MD. Check out our competitive HELOC rates and apply now. - [Home Insurance](https://www.pbcu.com:443/resources/services/insurance-protection/home-insurance): Members of Point Breeze Credit Union in MD get special discounts on Homeowners Insurance to cover damage or losses on your home. Get a free quote today. - [Member Eligibility](https://www.pbcu.com:443/about/join-us/become-a-member/member-eligibility): Point Breeze Credit Union is a trusted MD credit union for accounts, loans and more. Learn about membership eligibility and benefits and open an account. - [Member Referral Bonus](https://www.pbcu.com:443/about/join-us/member-referral-bonus): Refer a friend for membership at Point Breeze Credit Union in MD and you each get a $50 bonus when they open a savings and checking account. Join now. - [Roth IRA](https://www.pbcu.com:443/banking/accounts/iras/roth-ira): A Roth IRA at competitive rates from Point Breeze Credit Union in MD can help grow your retirement savings over time. Contact us now to open an account. - [Savings](https://www.pbcu.com:443/banking/accounts/savings): A Savings Account at Point Breeze Credit Union in MD helps you build your savings with competitive interest rates. See savings options and open an account. - [Savings & Checking Rates](https://www.pbcu.com:443/resources/popular-requests/rates/savings-checking-rates): Whether it's your checking account or a savings account like an IRA or CD, Point Breeze Credit Union in MD offers competitive rates. Explore our rates. - [Scholarships](https://www.pbcu.com:443/about/why-point-breeze/scholarships): Point Breeze Credit Union offers college scholarships in MD and DC from the Credit Union Foundation. Get the latest details and download the application. - [Vehicle Refinancing](https://www.pbcu.com:443/loans-credit/loans/vehicle-refinancing): Vehicle Refinancing at Point Breeze Credit Union in MD offers competitive rates, no setup fees and no prepayment penalties on car loans. Apply online now. - [Virtual Financial Workshops](https://www.pbcu.com:443/resources/services/virtual-financial-workshops): Financial education workshops from Point Breeze Credit Union in MD provide valuable money management tips you can put into action. Learn more and RSVP. - [Youth Savings](https://www.pbcu.com:443/banking/accounts/savings/youth-savings): At Point Breeze Credit Union in MD, we offer a Youth Savings account to help kids learn how to manage money and an ESA to save for college. Contact us. - [Awards & Recognition](https://www.pbcu.com:443/about/why-point-breeze/who-we-are/awards-and-recognition): Point Breeze Credit Union in MD has been recognized nationally and locally for a variety of credit union awards. Find news and award details online today. - [Business Term Loans](https://www.pbcu.com:443/business/loans/business-loans-lines-of-credit/business-term-loans): A Business Term Loan from Point Breeze Credit Union in MD lets you lock in a competitive fixed rate without origination fees. Contact us to get started. - [CDs](https://www.pbcu.com:443/banking/accounts/cds): A Certificate of Deposit at Point Breeze Credit Union in MD offers a fixed CD rate that earns more compared to other savings accounts. Open an account. - [Community Impact](https://www.pbcu.com:443/about/why-point-breeze/community-impact): Point Breeze Credit Union gives back to the local Maryland community. Read more about organizations they positively impact through support and donations. - [Credit Score](https://www.pbcu.com:443/resources/services/credit-score): At Point Breeze Credit Union in MD, you can access your credit score for free in our online banking platform or mobile app. Learn more and get started. - [Digital Wallet](https://www.pbcu.com:443/banking/manage-accounts/digital-wallet): Make one-tap payments at retailers in-store or online with Digital Wallet from Point Breeze Credit Union in MD. Add a debit or credit card to get started. - [Forms & Applications](https://www.pbcu.com:443/resources/popular-requests/forms-applications): Get forms and applications for loans, credit cards, mortgages, direct deposit and more from Point Breeze Credit Union in MD. View and download our forms. - [Free Shred Day ](https://www.pbcu.com:443/about/why-point-breeze/news-events/free-shred-day): Point Breeze Credit Union in MD helps members with identity theft prevention by offering free document shredding services. Learn about our Free Shred Day. - [Goal-Based Savings](https://www.pbcu.com:443/banking/accounts/savings/goal-based-savings): Save for a vacation, wedding, car or anything you can imagine with the Goal-Based Savings account at Point Breeze Credit Union in MD. Open an account. - [Home Equity Loans](https://www.pbcu.com:443/mortgages/home-loans/home-equity-loans): Point Breeze Credit Union in MD offers competitive interest rates on Home Equity Loans for home improvement projects and more. View rates and apply now. - [Joint Finances: A Guide for Couples](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/joint-finances-a-guide-for-couples): Point Breeze Credit Union has tips for discussing budgeting, financial goals, debt, spending and more as a guide for couples with joint finances. Read it. - [Michael Fowler](https://www.pbcu.com:443/business/team/business-banking-team/meet-michael-fowler): Michael Fowler is a Member Business Lending Officer at Point Breeze Credit Union in MD. Contact Michael online today for your business banking needs. - [Military Service Package](https://www.pbcu.com:443/about/join-us/military-service-package): Point Breeze Credit Union in MD offers a Military Service Package with special deals and discounts for veterans and active military members. Contact us. - [Owings Mills Office](https://www.pbcu.com:443/locations-atms/owings-mills-office): Need to find an ATM nearby? Get some cash at Point Breeze Credit Union's branch located at 10110 Reisterstown Road in Owings Mills, MD. Visit us today. - [Personal Loans & Lines of Credit](https://www.pbcu.com:443/loans-credit/loans/personal-loans-lines-of-credit): Use a Personal Loan or Line of Credit at competitive rates from Point Breeze Credit Union in MD to pay off debt, pay for college and more. Apply online. - [Student Free Checking PLUS+](https://www.pbcu.com:443/banking/accounts/checking/student-free-checking-plus): Teens ages 13 to 17 learn how to start managing money with the Student Free Checking PLUS+ account from Point Breeze Credit Union in MD. Open an account. - [Zogo Financial Education](https://www.pbcu.com:443/resources/financial-education/zogo-financial-education): Point Breeze Credit Union in MD offers Zogo Financial Education, a financial literacy app with financial lessons and rewards. Download the Zogo app today. - [Digital Transfers ](https://www.pbcu.com:443/banking/manage-accounts/digital-transfers): Transfer money between accounts or pay a person with Digital Transfers from Point Breeze Credit Union in MD. Log into online banking to get started now. - [Equipment Loans](https://www.pbcu.com:443/business/loans/business-loans-lines-of-credit/equipment-loans): At Point Breeze Credit Union in MD, we offer Equipment Loans with low interest rate financing for our business members. Contact us today to get started. - [Holiday Club Savings](https://www.pbcu.com:443/banking/accounts/savings/holiday-club-savings): Saving for Christmas, Hanukkah or Kwanzaa? Join the Holiday Savings Club at Point Breeze Credit Union in MD to earn competitive rates. Open an account. - [How to Talk About Money](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money): Point Breeze Credit Union offers tips on how to talk about money with family, friends and yourself. Learn about finances, credit, savings and more today. - [IRAs](https://www.pbcu.com:443/banking/accounts/iras): Create a retirement strategy with Roth and Traditional IRAs at competitive rates from Point Breeze Credit Union in MD. Learn more and open an account. - [Keith Zickar](https://www.pbcu.com:443/business/team/business-banking-team/meet-keith-zickar): Keith Zickar is a Member Business Lending Officer at Point Breeze Credit Union in MD. Get in touch with Keith today for business services and loan needs. - [NMLS](https://www.pbcu.com:443/mortgages/home-loans/nmls): Point Breeze Credit Union's NMLS-registered employees in MD are authorized to accept real estate applications for mortgages and home equity loans. Read it. - [Overdraft Protection](https://www.pbcu.com:443/banking/accounts/checking/overdraft-protection): Overdraft Protection from Point Breeze Credit Union in MD uses your savings account, a line of credit or courtesy pay to cover transactions. Contact us. - [Reorder Checks](https://www.pbcu.com:443/resources/popular-requests/reorder-checks): At Point Breeze Credit Union in MD, the quickest way to reorder checks is online through our partner, Deluxe. Shop different designs and order checks now. - [Student Loans](https://www.pbcu.com:443/loans-credit/loans/student-loans): Get the money you need for school with a graduate or undergraduate Student Loan from Point Breeze Credit Union. See which loan is best for you! Learn more. - [Talking About Finances With Friends](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/talking-about-finances-with-friends): Talking finances with friends may seem overwhelming. Point Breeze Credit Union has tips for discussing financial goals, investments and more. Read it. - [Westminster Office](https://www.pbcu.com:443/locations-atms/westminster-office): At Point Breeze Credit Union in Westminster, MD, you can open a checking or savings account, apply for a loan or get some cash at the ATM. Visit us today. - [Business Vehicle Loans](https://www.pbcu.com:443/business/loans/business-loans-lines-of-credit/business-vehicle-loans): Point Breeze Credit Union in MD offers competitive fixed rates on business vehicle loans. Explore financing options and contact us to get started today. - [Early Deposit™ ](https://www.pbcu.com:443/banking/manage-accounts/early-deposit): With Early Deposit at Point Breeze Credit Union in MD, your direct deposit paycheck is available in your checking account up to 2 days sooner. Get started. - [Maggie Girardot](https://www.pbcu.com:443/business/team/business-banking-team/meet-maggie-girardot): Senior Portfolio Administrator Maggie Girardot from Point Breeze Credit Union in MD can assist you with your business banking needs. Contact Maggie online. - [Rosedale Office](https://www.pbcu.com:443/locations-atms/rosedale-office): The friendly team at Point Breeze Credit Union's branch on Philadelphia Court in Rosedale, MD can help you apply for a mortgage or an auto loan. Visit us. - [Saving for Emergencies](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/saving-for-emergenices): Saving for financial emergencies can be a challenge. Read the article from Point Breeze Credit Union for helpful savings fund and insurance information. - [U.S. Treasury Ends Penny Production](https://www.pbcu.com:443/resources/financial-education/discontinuation-of-the-penny): The U.S. Treasury has ended production of the penny. Find frequently asked questions, next steps and news from Point Breeze Credit Union in MD online. - [Visa® Debit Cards](https://www.pbcu.com:443/banking/accounts/checking/visa-debit-cards): A Visa Debit Card at Point Breeze Credit Union in MD earns cash back on purchases and offers access to surcharge-free ATMs. Contact us to get started. - [Credit Score Basics to Share With Your Dependents](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/credit-scores): Credit scores are an important topic to inform your dependents of. Read the article from Point Breeze Credit Union for credit score and credit card basics. - [How We Grow](https://www.pbcu.com:443/resources/financial-education/how-we-grow): Steady habits help grow your savings account. Tools like automatic deposit from Point Breeze Credit Union in MD help you hit your savings goal. Learn more. - [SBA Loans](https://www.pbcu.com:443/business/loans/business-loans-lines-of-credit/sba-loans): Looking for an SBA Loan? Point Breeze Credit Union will work with you to secure the financing you need to grow your small business in MD. Contact us today. - [Holiday Closings](https://www.pbcu.com:443/locations-atms/holiday-closings): Point Breeze Credit Union's MD offices are closed to observe holidays throughout the year. Find out when our holiday hours are in effect and see closures. - [How to Navigate Holiday Spending Guilt-Free](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/how-to-navigate-holiday-spending-guilt-free): Navigating spending during the holidays can be a challenge. Explore budgeting and saving tips from Point Breeze Credit Union to prepare for the holidays. - [Contact Us](https://www.pbcu.com:443/contact-us): Need to contact Point Breeze Credit Union in MD? Find our phone numbers, routing number, contact form, branch locations, FAQs and more. Contact us today. - [Talking to Aging Adults About Fraud](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/talking-to-aging-adults-about-fraud): Aging adults are targets for scammers. Point Breeze Credit Union offers tips on how to talk about fraud with older citizens to help prevent it. Read more. - [A Date With Your Finances](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/a-date-with-your-finances): Point Breeze Credit Union recommends a date with your finances to review your checking and savings accounts, budgeting, goals and more. Read the article. - [Careers](https://www.pbcu.com:443/careers): Point Breeze Credit Union in MD was named one of the Top Places to Work in 2021. Learn about the benefits of a career with us and see current job openings. - [Talking Home Improvement with Your Spouse](https://www.pbcu.com:443/resources/financial-education/how-to-talk-about-money/talking-home-improvement-with-your-spouse): Talking about home improvement with your spouse and creating a financial plan can be beneficial. Explore HELOCs and more from Point Breeze Credit Union. - [Locations & ATMs](https://www.pbcu.com:443/locations-atms): Visit a Point Breeze Credit Union location in MD to get cash, open a checking or savings account or to apply for a loan. Find a branch or ATM near you. - [Disclosures](https://www.pbcu.com:443/disclosures): Get all the details on accounts, our Privacy Policy, our Visa Credit Card Agreement and more from Point Breeze Credit Union in MD. View our disclosures. - [Website Accessibility](https://www.pbcu.com:443/website-accessibility): At Point Breeze Credit Union, we take ADA compliance seriously and make our website is accessible to all by following current WCAG guidelines. Learn more. - [Terms of Use](https://www.pbcu.com:443/terms-of-use): Point Breeze Credit Union in MD outlines online and mobile website services. Read the article to explore information on different policies and disclaimers. - [Privacy Notice](https://www.pbcu.com:443/privacy-notice): At Point Breeze Credit Union in MD, our Privacy Notice contains important details about how we handle your personal information. Learn about what we do. - [Online Privacy](https://www.pbcu.com:443/online-privacy): At Point Breeze Credit Union in MD, we're transparent about how we handle internet privacy when using our website. View our online privacy policy now.