Our goal is to provide our members with a full service financial institution, offering  the latest technology while still providing the personalized service we are known for. We strive to truly be "the One Place to go" for all your financial services needs.


Some services do carry fees. Please click here for our Fee Schedule.

Points of Interest


Cedar Point does that! Did you see a commercial about a service you'd like us to offer? Ask us. Cedar Point offers many of the same services the big guys do, but we remember your name!



Card Services

Teller Services



Debt Recovery

Personal Credit Union (PCU)

Personal Credit Union (PCU) is a credit union system that enables you to use the Internet to access your credit union account(s). This service is available 24 hours a day, seven days a week, providing you with the flexibility to take care of many of your financial transactions without requiring you to visit the credit union.

Many other eservices, including PCUPay and CPFCU Mobile require access to PCU. Click here for more information about our suite of on-line access services.


Alert Services

Now you can get account alerts in your email or by text message!


You can sign up for this service even if you don’t use PCU, our online access service. Use this form to request Alerts and select your options.


If you do have access to your account on-line, you can set up your Alert preferences on PCU. Log in to your account and choose Alert Services under the Access Accounts tab. You can choose which alerts you wish to receive, and define your suffixes and values.


What kind of alerts can I get?

  • E-statement Availability
  • Checks Cleared
  • Low Balance Alerts
  • Deposit Alerts
  • Withdrawal Alerts
  • Certificate IRA Balance Alerts
  • Loan Payment Past Due
  • Teller24 PIN Changed in Teller24
  • Personal Information Change in PCU
    • Contact Information
    • E-mail address
    • E-statement selection
    • PCU password


Encrypted Email

In order to maintain the confidentiality of private information sent via email, while ensuring compliance with privacy and other state and federal regulations, we utilize encryption service through Zix Corporation. This service will help us protect outbound email containing sensitive information, such as social security numbers, driver’s license numbers, and account numbers. Click here for more information.*


Click here to send an encrytped message*


Mortgage WebCenter

Complete access to all aspects of the lending process. You can explore our rate options, get a rate quote and apply for your mortgage right in the comfort of your own home. Resources are available to answer all your most frequently asked questions, or calculate your payment options. Click here to explore the Cedar Point Mortgage WebCenter*.



Order Checks

You can use these links to re-order your checks, choose a new design, or check your order status. If you have a change of address please contact a Member Service Representative for assistance.  Senior Club and Benefits Plus members who receive free checks must order through an MSR or you may be charged for your checks.


Click here to place your order with Harland Clarke*  |  Click here to place your order with Deluxe*


Foreign Currency

If you cannot get to a branch office to order currency, you can order your currency directly from Travelex*. You must use a credit or debit card for this purchase and shipping charges will apply.



*Cedar Point is not responsible for the content or update of this alternate site.
The privacy and security policies may differ from those practiced by Cedar Point.

Personal Loans

Cedar Point offers loans for many purposes. Whether a signature loan, or a personal line of credit, you can be sure our Member Service Representatives will work with you from the first application until you make your final payment. Click here for up to date rate information.


Vehicle Loans

Cedar Point offers loans for all your transportation needs. New and used cars, trucks, motorcycles, boats, and RVs. Contact a Member Service Representative to get a pre-approval so you know just how much you can spend before you shop. Click here for up to date rate information.


Mortgage Loans

Our Mortgage Services Representatives are available to answer your questions and assist you with every aspect of the mortgage process. Whether for your first home or the vacation home you've always wanted to build, our representatives have a product to help you make your dreams come true. Click here for more information about our Mortgage Services Department.


Commercial Loans

Cedar Point offers commercial lines of credit, Lines of Credit, Equipment Financing, School Bus Loans, Fleet Financing, and Commercial Mortgages. Call Donna Bowling at 301-884-4074 ext. 8705 for more information about how we can help your business grow.


Loan Applications


  • How to apply for a loan
    Click here to learn how we make it easy for you to apply.


  • Personal and Vehicle Loans
    Click here to download the Loanliner application, or you can apply on-line in PCU. You must provide a current pay stub or other proof of income.


  • Mortgage Loans
    You can research your options, track rates, and apply for your mortgage on-line with our Mortgage WebCenter, or you can visit a Mortgage Services Representative who will be happy to help you through the process.


Commercial Loans
Click here to download our Commercial Loan Application and Financial Statement.



Cedar Point's Mastercard rates are highly competitive and with the easy option of paying directly out of your account it may be the most convenient card you'll ever hold. There is no annual fee for the Cedar Point Mastercard. Click here for more information.


Visa Debit Card

The Cedar Point Visa Debit Card is convenient and easy to use, and is widely accepted wherever VISA is accepted. Your Visa Debit Card carries these limits:

  • Purchases - Limit per day - $2000.00*
  • ATM Withdrawal - Limit per day - $500.00*

These limits can be adjusted to accommodate special circumstances with a minimum 24 hours notice.


*Limits assume funds are available in account.


ATM Card

For our members who prefer not to use a debit card or do not qualify, Cedar Point offers an ATM card. Cedar Point maintains ATM's throughout Southern Maryland. There are no fees for members using their Cedar Point ATM or Debit Card at a Cedar Point ATM. Deposits are subject to verification and may not be available for immediate withdrawal. You may withdraw up to $200 in a 24 hour period.


Visa Gift Card

You can purchase a Visa Gift Card at any teller line for only $1.50 plus the funds on the card up to a limit of $1000.00. There is a 24 hour waiting period for activation. Please note this card is not re-loadable. Cards can be used at ATMs or for cash advances when you request a PIN*, but should not be used for hotels, car rental or gas purchases at the pump. Cards may be used at retailers and on the Internet wherever VISA Debit Cards are accepted.


Please be aware that a monthly maintenance fee of $5.00 will be charged by the card issuer beginning the 13th month from card activation.


*To request a PIN for your Visa Gift Card please call 1-866-833-2370. We are unable to set this PIN in our offices.


Mobile ATM

Cedar Point maintains a Mobile ATM unit for the use of the community. As with all Cedar Point ATM's, there is no fee for members using their Cedar Point ATM or Debit Card. Please call 301-863-7071 for more information and to schedule your event.


Heartland Payment Systems

Cedar Point Federal Credit Union and Heartland Payments Systems have partnered to offer you credit and debit card processing on state-of-the-art platforms, E3TM End-to-End Encryption technology that secures transactions and helps to ensure PCI compliance, full service payroll processing, including tax liability and reporting, through a single point of contact, local servicing personnel and 24/7/365 US-based support. Call 301-863-7071, ext. 8463 for more information.

Official/Teller Checks

An Official check may be purchased at the teller line for any amount. These are guaranteed Cedar Point Federal Credit Union checks and might not be put on hold by the receiver's financial institution. Stop payments may not be placed on these checks


Money Orders

Money Orders are a safe, convenient, and economical way to make purchases and a great alternative to sending cash in the mail. Because the money order must be paid for in full at the time of purchase, it is a more trusted method of payment than a personal check. The maximum amount for Money Orders is $999.99.


Travelers' Cheques

Cedar Point offers American Express Travelers' Cheques, Cheques for two, and American Express Gift Cheques.

  • Travelers' Cheques are available in denominations of $50.00, and $100.00.
  • Gift Cheques are available in denominations of $25.00, $50.00 and $100.00. Gift Cheques include a gold foil envelope and a gift card.

All American Express Travelers Cheques and Gift Cheques are 100% refundable if lost or stolen.


Coin Services

Automatic coin counting is available at the Headquarters, Lexington Park, Leonardtown, Prince Frederick, and Charlotte Hall Offices. There is no fee to our members for this service and the funds can be deposited to your account or exchanged for bills at the teller line. Non-members are welcome to use our coin counting machines for a fee of 5% of the transaction.


The tellers in the Patuxent River (Base) Office will be happy to accept your rolled coins. Please write your account number on the wrapper.


There are no fees associated with the purchase of rolled coin.


Foreign Currency

You can purchase foreign currency at any teller line. Your currency can even be ordered from one branch and delivered to a different branch. Currency is usually delivered on the next business day. Unused currency - bills only, no coin - can be returned to any teller and will be credited to your account at the current exchange rate. Shipping charges apply. Processing of returned currency usually takes 7 - 10 business days.


Postage Stamps

For your convenience postage stamps are available at the teller line or drive-thru window of any branch office.


Drive-thru Service

Cedar Point Federal Credit Union offers drive-thru service at every location!. Please click here for more information about transactions available at our drive through windows.

The Security Department of Cedar Point Federal Credit Union is here to assist in the prevention of crimes committed against the credit union and our members; provide for the safety of employees and members while they are on credit union property; ensure the protection of the credit union and members’ sensitive information; and provide education and training to increase awareness for cyber crimes and robbery.


Contact the Cedar Point Security Department at 301-863-7071 ext. 8452.

Looking For Help From a Credit Counseling Agency?


We are sometimes contacted by members regarding how to choose an accredited credit counseling agency. This can be one of the most important choices you will ever make.


The 'good guys' will represent you, charging little to no fees to you, financing their operation with contributions from your creditors. They can reduce or eliminate finance charges and late fees depending upon your situation, helping you to pay bills within full agreement with your creditors. It may not preserve your overall credit score but it will improve your financial forecast in the best way possible.


The 'bad guys' charge you a stiff fee right up front, advise you not to communicate with your creditors any longer and won't disclose to you the fact that they will ruin your credit and good reputation in the process.


Phrases to watch out for are "debt settlement" and "debt cancellation" as clues to the resources being the not-so-good kind.  And if they advise you to no longer communicate with your creditors directly you can bet they are not keeping your best interests in mind.


Remember, your Credit Union is here to help! Please call 301-863-3053 to speak to a Debt Recovery Specialist.


Debt Recovery Links


National Foundation for Credit Counseling*

As the nation's largest financial counseling organization, the NFCC Member Agency Network includes more than 600 community-based offices located in all 50 states and Puerto Rico. NFCC Member Agencies provide financial counseling and education to millions of consumers each year in person, over the phone, or on line. To locate an NFCC Member Agency in your area call 800-388-2227. Para ayuda en Español Ilama al 800-682-9832.



PowerPay will give you the tools to develop a personalized, self-directed debt elimination plan.


Information about budgeting and tools to help you get started.

*Cedar Point is not responsible for the content or update of this alternate site.
The privacy and security policies may differ from those practiced by Cedar Point.

Cedar Point Federal Credit Union

22745 Maple Road, Lexington Park, MD 20653

301-863-7071  ●  800-201-1647


Routing and Transit Number ● 255077736


APY = Annual Percentage Yield ● APR = Annual Percentage Rate

Federally Insured by NCUA.


For convenience and informational purposes, CPFCU's website provides links to third-party sites. CPFCU's Privacy Notice does not apply to these sites.