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.
This is an online banking 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 Bill Pay and CPFCU Mobile require access to Online Banking. Click here for more information about our suite of on-line access 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 Online Banking, 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 Online Banking. 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?
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.*
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.
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 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.
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.
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.
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.
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:
These limits can be adjusted to accommodate special circumstances with a minimum 24 hours notice.
*Limits assume funds are available in account.
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.
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.
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 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.
Cedar Point offers American Express Travelers' Cheques, Cheques for two, and American Express Gift Cheques.
All American Express Travelers Cheques and Gift Cheques are 100% refundable if lost or stolen.
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.
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.
For your convenience postage stamps are available at the teller line or drive-thru window of any branch office.
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.
Direct Deposit and Electronic Payments (ACH)
With direct deposit, you can have your salary, retirement or any additional income automatically deposited into your account at the credit union. so you'll have peace of mind knowing your funds are deposited on time. And you get your first box of basic checks FREE when you start a new account with direct deposit.
Many of our members also like to use Electronic Payments or ACH (Automated Clearing House) transactions to pay many of their bills. Please click here for information about setting up Direct Deposit and ACH transactions.
Payroll deduction works in conjunction with Direct Deposit. A portion of your automatic deposits may be placed in your savings while the balance is deposited into your checking account. You determine the amount you wish to put into savings and checking. In addition, you may also have regular payments automatically taken from your account for services provided by Cedar Point.
Automatic transfers within your Cedar Point account will only be pulled from the account you have designated and will not overdraft to another suffix.
Wire transfers give you the satisfaction of knowing your funds are there within 24 hours. Need cash sent to a relative, for settlement or to cover that NSF check? Wire transfer is the service for you. Need to move cash from one financial institution to another fast? Use our wire transfer service. Please click here for details on sending funds to or from your Cedar Point account via wire transfer.
Western Union Quick Cash
You can also transfer funds from your account at Cedar Point to any of over 70,000 Western union locations with in the US or other countries. Cedar Point charges a fee of $5.00 in addition to the standard Western Union Fees. Our Senior Club and Benefits Plus© members do not pay the Cedar Point fee, but are still liable for Western Union fees. Please be aware, we do not send wires for payments to businesses.
Please provide the following information:
Safe Deposit Boxes
Safe Deposit Boxes are an excellent way to keep your valuables safe. Cedar Point has four different sizes at our Headquarters, Lexington Park, Leonardtown, Prince Frederick and Charlotte Hall Offices. Remember, all sizes may not be available. We cannot make substitutions if the size you require is not available.
Notary Services are available Monday - Friday at all offices and on Saturday at the Headquarters Office. We also offer signature guarantees. There is a fee of $2.00 per stamp for notary services.
Cedar Point Notaries may not notarize the following:
Night Deposit Boxes
Night deposit slots are available at our Headquarters, Lexington Park, Leonardtown, Prince Frederick, and Charlotte Hall Offices. They are conveniently located next to the drive through windows. Deposits are posted on the next business day, but cannot be guaranteed to post before electronic transactions.
Motor Vehicle Certification Program (MVCP)
MVCP helps you through the entire new car buying process. Their advisors will direct you to an MVCP dealer where the price on most vehicles has been pre-negotiated. After visiting the dealer, your advisor will double-check your transaction to make sure you get a fair and correct price based on MVCP's strict pricing guidelines. If necessary, your MVCP advisor will resolve any pricing errors directly with the participating dealer. MVCP advisors are available 9:00 am. - 5:00 pm. weekdays. 1-800-345-0990 or you can visit them on-line at www.mvcp.com*
United Buyers Service (UBS)
Call United Buying Service for a referral to the UBS Dealer and get discounts on the purchase of most new (and used) cars & trucks, and information on manufacturer rebates, dealer incentive money, and discounted option pricing published in the Official Price Book.
How to use the service:
UBS can even audit the sale at your request . . .
UBS advisors enjoy answering questions - Please call their friendly staff at (301) 657-1920 or (410) 792-9070 or visit them on-line at
www.ubs4cars.com*. UBS also provides a copy of their UBS Official Price Book for your reference. You can find these at your nearest branch office
*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.
With Teller24, our automated voice response system, you can access your accounts 24 hours a day, seven days a week, 365 days a year. Transactions can be made virtually anywhere there is a touch tone telephone. Simply choose your Personal Identification Number (PIN), and regardless of how many transactions you do, this service is free! Please use the Account Access Application to apply for this service. Click here for a Teller24 flowchart.
Our Member Service Representatives are available during regular business hours to answer your questions and assist with the many service we can provide by telephone.
Because identification by phone can be a challenge, we are unable to provide these services by phone:
In house Services
Car Buying Services
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
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.
301-863-7071 ● 800-201-1647
Routing Number ● 255077736
APY = Annual Percentage Yield
APR = Annual Percentage Rate
For convenience and informational purposes, CPFCU's website provides links to third-party sites. CPFCU's Privacy Notice does not apply to these sites.
Federally Insured by NCUA
We do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.