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Savings & Checking Rates

When your money's on deposit with us, it's always earning interest 

A steady approach pays off with Point Breeze Credit Union 

Whether it's your daily checking account or it's a savings account like an IRA or CD, our competitive rates keep your money working in your favor. Set specific goals to reach or simply deposit your money and let the account do all the work. 

Free Checking PLUS+ Rates

APY is accurate as of: July 17, 2024
Tier APY Compounded & Credited Minimum Balance to Open
Qualifying*, Balances $0.01-$10,0003.00%Monthly$0
Qualifying*, Balances $10,000.01 and up0.10%Monthly$0
Not Qualifying*, All Balances0.05%Monthly$0

*APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. To earn the qualifying rates, each month you must have at least 12 debit card purchases using your Point Breeze Visa® Debit Card, have direct deposit(s) of at least $400 and receive eStatements. If you close your account before accrued interest for any month is credited, you will receive the lowest-tier interest rate on your entire balance. Fees may reduce earnings. Please refer to the Free Checking PLUS+ Truth-In-Savings Disclosure for more information. For grandfathered Interest Checking accounts, please contact us for current rates. 

Savings Rates

APY is accurate as of: July 17, 2024
Account Type APY Compounded & Credited Minimum Balance to Open
Share/Savings0.10%Quarterly$5
Holiday Club0.10%Quarterly$5

*APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. 

Certificate of Deposit Rates

APY is accurate as of: July 17, 2024
Account Type APY Compounded & Credited Minimum Balance to Open
10 Month Featured CD**5.00%Monthly$500
6 Month Standard CD4.20%Monthly$500
12 Month Standard CD4.50%Monthly$500
24 Month Standard CD3.75%Monthly$500
36 Month Standard CD3.50%Monthly$500
6 Month Jumbo CD4.20%Monthly$10,000
12 Month Jumbo CD4.50%Monthly$10,000
24 Month Jumbo CD3.75%Monthly$10,000
36 Month Jumbo CD3.50%Monthly$10,000

*APY=Annual Percentage Yield. APY assumes principal and interest remain on deposit for the full term. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity. Interest earned may be withdrawn at any time without penalty. If a CD is closed before the accrued interest is credited, accrued interest will be paid. 

**10 Month Featured CD: The following apply in addition to the account disclosures above. New money only; funds may not already be on deposit in a Point Breeze account. At the conclusion of the 10-month special offer period, the CD will automatically renew for a 6-month term and will thereafter renew on the maturity date for successive 6-month terms. The APY for the renewal term(s) will be the APY in effect for the term at the time of renewal. Point Breeze Credit Union reserves the right to change or terminate this limited time offer without prior notice. Offer not available for financial institutions.

Individual Retirement Account Rate

APY is accurate as of: July 17, 2024
Account Type APY Compounded & Credited Minimum Balance to Open
Individual Retirement (IRA)0.25%Quarterly$5

*APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. Early withdrawal penalties may apply. Consult with a tax professional about potential tax savings.

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