Together As One Credit Union

Welcome To Point Breeze Credit Union

The Central Credit Union merger is complete, and all member accounts have successfully transitioned to Point Breeze's banking systems.

For Existing Point Breeze Members

As part of the integration, all Point Breeze members will gain access to additional locations. Beginning October 5, 2026, you may use the:

  • Towson Office
  • Perry Point Office & ATM
  • Baltimore VA Hospital ATM

For Former Central Credit Union Members

Welcome to Point Breeze Credit Union

On behalf of our Board of Directors, leadership team, and employees, thank you for your continued trust as Central Credit Union of Maryland and Point Breeze came together as one credit union family.

With the merger complete and the successful transition of accounts to Point Breeze's banking systems, we're excited to officially welcome you to Point Breeze Credit Union. You now have full access to our products and services, branch network, digital banking tools, and the personalized service that puts members first.

As you settle into your new Point Breeze membership, this page will continue to serve as a resource for important information, frequently asked questions, and helpful links. If you need assistance, email us at [email protected] or call 888.233.7228.

Thank you again for your trust and confidence. We are pleased to welcome you to Point Breeze and look forward to serving you for many years to come.

As a Point Breeze Member, You Now Have Access To:

Expanded Products & Services

Competitive rates, fewer fees, and more options to help you save, borrow, and plan for what’s ahead.

Greater Convenience

More ways to bank, including additional office locations, expanded service hours, surcharge-free ATM access, and enhanced digital banking.

Personalized Service

The same members first commitment, with easy, reliable banking and support from a team that is here to help.

What You Need To Know About Your Accounts and Services

Your Point Breeze account number is the same as your Central Credit Union account number. A handful of Central members required a change to their account number and were notified separately before the transition.

If you had a Point Breeze account before the merger, you have two Point Breeze accounts after the transition: your existing Point Breeze account and your converted Central account. 

You do not need to re-enroll in digital banking. Both accounts will appear under your current Point Breeze digital banking login now that the transition is complete.

Your Point Breeze checking account number, sometimes called a MICR or ACH account number, is the same as your Central Credit Union checking account number. This means you can continue using your existing checks and do not need to order new ones as part of the transition. A handful of Central members required a change to their checking account number and were notified separately before the transition.

We will honor your current direct deposit, which will be routed to your new Point Breeze account after the transition. We recommend that you update your payroll provider with Point Breeze’s Routing Number and your Point Breeze account or MICR number(s). 

After enrolling in Point Breeze digital banking, you’ll be able to securely switch or set up direct deposit in just a few steps right within digital banking using your payroll provider credentials.

252076565

How to Enroll in Point Breeze Digital Banking
To access digital banking, you will need to register as a new user.

On a desktop computer, on or after October 2, 2026:

  1. Visit PBCU.com

  2. Click Login near the top right corner of your screen

  3. Click Register

  4. Follow the prompts to create your account

On a mobile device, on or after October 2, 2026:

  1. Download the Point Breeze Credit Union app from the Apple App Store or Google Play Store

  2. Open app and select Register

  3. Follow the prompts to create your account

You may access your accounts by enrolling in AUDRE, Point Breeze’s telephone banking system, on or after Friday, October 2, 2026. 

To get started, call Point Breeze Credit Union at 410.584.7228 or toll free at 888.233.7228 and select 1 for AUDRE telephone banking and follow the prompts to enroll as a new user.

Check requests will not be available through telephone banking or digital banking after the transition. Please contact our Member Service Center at 410.584.7228 or toll free at 888.233.7228 or visit your local Point Breeze office if you need to request a check.

Payees, scheduled payments, payment history, and eBills did not transfer to Point Breeze's Bill Pay system. You may recreate these in Bill Pay after successfully registering for Digital Banking.
 

Beginning October 2, 2026, you can download the Point Breeze Credit Union mobile app, register for Digital Banking, and enroll in Mobile Deposit to continue depositing checks remotely. 

Your new Point Breeze Credit Union debit card was mailed to your address in mid to late September and can be activated and used beginning October 1, 2026.

During activation, you will create a new Personal Identification Number (PIN). A PIN will not be mailed separately.

If you have recurring payments linked to your Central debit card, such as utilities, memberships, or streaming services, be sure to update them with your new Point Breeze debit card information before October 1.

Please securely destroy your Central debit card after October 1.

Your Central MasterCard® credit card is replaced with a new Point Breeze Visa® credit card. Your new card was mailed to your address in mid to late September and can be activated and used beginning October 1, 2026.

During activation, you will create a new Personal Identification Number (PIN). A PIN will not be mailed separately.

If you have recurring payments linked to your Central MasterCard credit card, such as streaming services, memberships, utility bills, or other automatic payments, be sure to update them with your new Point Breeze Visa credit card information before October 1.

Any remaining balance on your Central MasterCard credit card transferred automatically to your new Point Breeze Visa credit card. No action is required on your part.

Please securely destroy your Central MasterCard after October 1.

As part of the transition, your Central Credit Union Free Checking account was converted to a Point Breeze Credit Union Free Checking PLUS+ account. Free Checking PLUS+ rewards everyday banking with up to 3.00% APY1 and up to $20 in monthly ATM fee refunds2, when you meet a few easy monthly qualifications.3 

APY=Annual Percentage Yield. Fees may reduce earnings. Limit one account per member. Products subject to change.
1If your account meets all monthly qualifications, you will earn 3.00% APY on balances up to $10,000.00 and 0.10% APY on balances of $10,000.01 and higher. If your account does not meet all monthly qualifications, you will earn 0.05% APY on the entire balance. Rates are subject to change without notice. Please refer to our Rate & Fee Schedule for additional information.
2We will refund up to $20.00 each month in foreign ATM fees if all monthly qualifications are met. Refunds will be deposited into your account no later than the last day of the next month.
3To earn the higher interest rate(s) and foreign ATM fee refunds, you must receive eStatements, have direct deposit(s) of at least $400 per month and complete a minimum of 12 debit card purchase transactions per month using your Point Breeze Visa® Debit Card. Both PIN and signature point-of-sale transactions qualify. Returns, refunds and ATM transactions do not qualify.


Federally Insured by NCUA

As part of the transition, your Central Credit Union Share Savings account was converted into a Point Breeze Share Savings account.

As part of the transition, your Central Credit Union Vacation Club account was converted into a Point Breeze Additional Savings or Goal-Based Savings account.

As part of the transition, your Central Credit Union Holiday Club savings account was converted into a Point Breeze Holiday Club savings account. With this account, funds are automatically transferred to your share savings each year on October 15th.

As part of the transition, your Central Credit Union Certificate of Deposit was converted into a Point Breeze Certificate of Deposit. Your current rate and term will remain the same until your next maturity date.

As part of the transition, your Central Credit Union Individual Retirement Account (IRA) was converted into a Point Breeze IRA.

Your existing loan terms did not change. Your interest rate, payment amount, and maturity date remain the same, and we will continue servicing your loan without interruption.

If you make loan payments by mail, please update the payment mailing address below to ensure future payments are sent to the correct location beginning October 1. Members enrolled in automatic payments do not need to take any action unless otherwise notified.

Update payment address to:
Point Breeze Credit Union
11104 McCormick Road
Hunt Valley, MD 21031

Frequently Asked Questions

Your Point Breeze member number remains the same as your current Central member number unless you were notified separately before the transition.

Your checking account number, also called your MICR or ACH account number, remains the same unless you were notified separately before the transition. You can continue using your existing checks.

If you already had a Point Breeze account, you have two Point Breeze accounts after the transition, your existing Point Breeze account and your converted Central account. Both will appear under your current Point Breeze digital banking login once the transition is complete.

Your current direct deposit will continue after the transition. We recommend updating your payroll provider with Point Breeze Credit Union's routing number (252076565) and your account or MICR number.

After the transition is completed on October 2, 2026, you will need to register as a new user in Point Breeze digital banking.  You will create a username and password as part of the registration process.

On or after October 2, visit PBCU.com and select Login, then Register. On mobile, download the Point Breeze Credit Union app, open it, select Register, and follow the prompts.

Yes. If you were enrolled in eStatements before the transition, you will remain enrolled after the transition. Once you enroll in Digital Banking, you will be able to access eStatements as they become available. Due to the transition and the time required to process and upload historical information, some historical statements may appear later than usual. We are working to minimize delays and make them available as quickly as possible.

No. Following the transition, all members will initially be set to receive notices by mail. If you would like to receive electronic notices, enroll in Digital Banking, then go to eStatements and Documents and update your Paperless Settings.

Yes. Check images will be available through Digital Banking. Due to the transition and the time required to process and upload historical information, some check images may appear later than usual. We are working to minimize delays and make them available as quickly as possible.

Bill Pay payees, scheduled payments, payment history, and eBills will not transfer. You'll need to set them up again in the Point Breeze Bill Pay system after enrolling in digital banking. We recommend you download or print your payees, payment history, eBills, and recurring payment details before September 30. This will make it easier to set up Bill Pay again after the transition.

Any payments scheduled on or after October 1, 2026, through Central's Bill Pay system will not process. We recommend paying those bills before October 1 or recreating them in Point Breeze Bill Pay after the transition. We recommend you download or print your payees, payment history, eBills, and recurring payment details before September 30. This will make it easier to set up Bill Pay again after the transition.

Your new Point Breeze debit/credit card(s) were mailed in mid to late September and can be activated and used beginning October 1, 2026.

Update any recurring payments, subscriptions, memberships, utility payments, or other automatic charges with your new Point Breeze card information before October 1, 2026.

Your loan interest rate, payment amount, maturity date, and other loan terms remain the same.

Mail loan payments to Point Breeze Credit Union, 11104 McCormick Road, Hunt Valley, MD 21031. If you use automatic payments, no action is needed unless you are notified.

You may begin using other Point Breeze locations during normal business hours starting October 2, 2026. 

Our Member Service Center is here to help make this transition easy for you. Call us at 410.584.7228, email [email protected], or visit this page for the latest merger updates and answers to your questions.