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Loan Rates

Save money on your mortgage and loans for almost anything that moves

Borrow the money you need at a rate you want 

That's the advantage of getting loans from us. Our mission is to serve you, and that includes helping you save money on loans for cars, motorcycles, boats, RVs, homes, you name it. See how our rates are structured to help you reach milestones and carry out big plans. 

Auto and Truck Loan Rates

Product Maximum Term (in months) APR as low as Minimum Loan Amount Monthly Payment (per $1,000)
New & Used Auto or Truck364.99%None$29.97
New & Used Auto or Truck485.49%None$23.26
New & Used Auto or Truck605.49%None$19.10
New & Used Auto or Truck725.49%None$16.34

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rate may vary based on the term, loan amount, your credit history, and other factors. Rates shown reflect a 0.25% discount for direct deposit/payroll deduction of loan payments. Vehicles older than 10 model years or with more than 100,000 miles are subject to approval and if approved, the rate is 2.00% above your qualifying rate. Rates, terms, and conditions are subject to change without notice. Maximum term is based on the amount borrowed. Other terms may be available. Excludes current Point Breeze loans.

Motorcycle, Boat and RV Loan Rates

Product Maximum Term (in months) APR as low as Minimum Loan Amount Monthly Payment (per $1,000)
New & Used Motorcycle/Boat/RV365.99%None$30.43
New & Used Motorcycle/Boat/RV486.49%None$23.72
New & Used Motorcycle/Boat/RV606.49%None$19.57
New & Used Motorcycle/Boat/RV727.49%$5,000.00$17.30

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rate may vary based on the term, loan amount, your credit history, and other factors. Rates shown reflect a 0.25% discount available for direct deposit/payroll deduction of loan payments. Boats/RVs older than 10 model years and Motorcycles older than 5 model years are subject to approval and if approved, the rate is 2.00% above your qualifying rate. Street legal motorcycles only; dirt bikes do not qualify. Rates, terms, and conditions are subject to change without notice. Maximum term is based on the amount borrowed. Other terms may be available. Excludes current Point Breeze loans.

Mortgage Rates

Product APR Points Monthly Payment (per $1,000)
5 Year Fixed5.500%None$19.10
10 Year Fixed5.875%None$11.04
15 Year Fixed6.000%None$8.44
20 Year Fixed6.375%None$7.38
30 Year Fixed6.500%None$6.32
5/1 Adjustable RateIntro 5.500%None--
7/1 Adjustable RateIntro 5.625%None--

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rates shown are the lowest rates available for loans up to $766,500. Actual rate may vary based on the term, loan amount or other factors. Jumbo mortgages are also available. Payment examples shown do not include taxes or insurance, if applicable. Minimum down payment is 3-10%. Speak with a representative about closing costs.

Home Equity Loan Rates

Product APR as low as Points Monthly Payment (per $1,000)
5 Year Fixed5.24%None$18.98
10 Year Fixed5.74%None$10.98
15 Year Fixed6.00%None$8.45
20 Year Fixed6.50%None$7.46
Standard Line of Credit (introductory rate)2.49%None--
Interest Only Line of Credit (introductory rate)2.49%None--

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms, and conditions are subject to change without notice. Home Equity Loan: Borrow up to 100% Loan-to-Value or $250,000 maximum. Home Equity Line of Credit: The introductory rate of 2.49% APR is fixed for the first 12 months, after which the rate will adjust annually on the anniversary date of the line of credit to the current Prime Rate published in the Wall Street Journal. The floor rate is 3.50% APR and the ceiling is 5.00% APR above the Prime Rate at the time of your application. Minimum loan amount is $7,500. Borrow up to 80% loan-to-value or $250,000 maximum. Standard (principal and interest) or Interest Only HELOCs available. With an Interest Only HELOC, you may choose to pay only the interest on the money you borrow for 10 years from the date the loan is established (“draw period”). For every $1,000 borrowed at 2.49% APR your minimum payment will be $2.05 monthly if you choose to pay only the interest. For every $1,000 borrowed at the current Prime Rate of 8.50% APR your minimum payment will be $6.98 monthly if you choose to pay only the interest. The minimum payment will not repay principal resulting in an increase of your payment at the end of the draw period. If you choose a Standard HELOC, the minimum monthly payment is $100, or $8.99 for every $1,000 borrowed at 2.49% APR, or $13.92 for every $1,000 borrowed at the current Prime Rate of 8.50% APR, whichever is greater. After the 10 year draw period, you can no longer obtain credit advances and must repay the outstanding balance. The length of the repayment period depends on the outstanding balance at the start of the repayment period and may not exceed 10 years. During the repayment period, the minimum monthly payment is established on the first day of the repayment period or change in interest rate in an amount necessary to fully amortize your outstanding balance over 10 years. Application fee of $350 will be refunded after settlement. Closing costs vary and generally range around $1,500 to $1,800 for a $50,000 line of credit. Speak with a representative for more information. Point Breeze membership is required. If you work, worship, are a member of and/or volunteer for an organization located within 20 miles of any Point Breeze location, you and your family are eligible to join. Excludes current Point Breeze loans.

Visa® Credit Card Rate

Product APR as low as Annual Fee
Point Breeze Visa® Credit Card14.25%None

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on your credit history. Lowest rate available is the floor rate. Refer to the Visa Credit Card Solicitation Disclosure for more information.

Signature (Unsecured) Loan Rate

Product APR as low as Maximum Term (in months) Monthly Payment (per $1,000) Maximum Loan Amount
Signature (Unsecured)8.95%60$20.74$30,000

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.

Share (Savings) Secured Loan Rate

Product APR as low as Maximum Term (in months) Monthly Payment (per $1,000) Maximum Loan Amount
Share (Savings) Secured5.00%120$10.61$100,000

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.

Home Improvement Loan Rate

Product APR as low as Maximum Term (in months) Monthly Payment (per $1,000) Maximum Loan Amount
Home Improvement7.75%120$20.16$25,000

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available. Must meet certain qualifications and funds may be used for home improvements only. Contact us for details.

Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.