Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cedar Point Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 18, 2026
Cedar Point Federal Credit Union's 13 Month Special CD Offer rates are at 3.85%, 13 Month Special CD Offer rates are at 3.85%, 12 Month Easy Builder Long Term CD Account rates are at 3.80%, 12 Month Easy Builder Long Term CD Account rates are at 3.80%, 12 Month IRA CD Accounts rates are at 3.80%. Cedar Point Federal Credit Union's savings rates are at 0.05%. Cedar Point Federal Credit Union's 10 Year Fixed Rate rates are at 5.50%, 20 Year Fixed Rate rates are at 6.00%, 30 Year Fixed Rate rates are at 6.12%, Federal VA 30 Year Fixed Rate rates are at 6.50%, 15 Year Fixed Rate rates are at 8.50%. Cedar Point Federal Credit Union's Personal Loan Rates are as low as 2.55%. Cedar Point Federal Credit Union's Credit Card Rates are at 8.00%. MonitorBankRates evaluates the financial stability of Cedar Point Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.20%. Rates last updated and verified on 09/18/2026. Cedar Point Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cedar Point Federal Credit Union? Share your experience about Cedar Point Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cedar Point Federal Credit Union. Cedar Point Federal Credit Union
Headquarters 22745 Maple Rd
https://www.cpfcu.com Lexington Park, MD 20653 
Cedar Point Federal Credit Union CD Rates
Cedar Point Federal Credit Union Savings Rates
Cedar Point Federal Credit Union Checking Rates
Cedar Point Federal Credit Union Mortgage Rates
Cedar Point Federal Credit Union Home Equity & HELOC
Cedar Point Federal Credit Union Auto Loan Rates
Cedar Point Federal Credit Union RV, Boat and Powersport Loan Rates
Cedar Point Federal Credit Union Credit Card Rates
Cedar Point Federal Credit Union Personal Loan Rates
Cedar Point Federal Credit Union Other Rates
Financial Health HistoryCedar Point Federal Credit Union’s Texas Ratio fell from 4.04% in Q2 2023 to 1.20% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cedar Point Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Cedar Point Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Cedar Point Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cedar Point Federal Credit Union
Website
https://www.cpfcu.com
Address
22745 Maple Rd,
Lexington Park, MD 20653
Phone
301-863-7071
Fax
301-863-0137
President
Patricia Robrecht
CEO
Charles Roach
Full-Time Employees
149
Part-Time Employees
1
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.20%
Return on Assets (ROA)
0.1879%
Return on Equity (ROE)
2.0720%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
902,879,070
Total Amount of Shares and Deposits
815,874,626
Total Shares and Deposits < 1 Year
745,747,319
Total Shares and Deposits 1 3 Years
53,931,931
Total Shares and Deposits > 3 Years
16,195,376
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
52,794,493
Total Uninsured Shares and Deposits > $250K (F+J)
52,794,493
Total Insured Shares and Deposits > $250K (item 17 less item K)
763,080,133
Total Interest Expense (Sum of items 6 8)
2,623,066
Share Certificates
5,614
Number of Accounts for Share Drafts
28,466
IRA KEOGH Accounts
1,445
Number of Accounts for Regular Shares
47,703
All other shares
2,681
Non Member Deposits
3
Money Market Shares
901
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
82,715,379
Total Liabilities
829,021,961
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Cedar Point Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Cedar Point Federal Credit Union
Frequently Asked Questions About Cedar Point Federal Credit UnionHow many branches does Cedar Point Federal Credit Union operate?Cedar Point Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Cedar Point Federal Credit Union?Yes, to access services at Cedar Point Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Cedar Point Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Cedar Point Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cedar Point Federal Credit Union offer online and mobile banking?Most modern institutions like Cedar Point Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cpfcu.com. Current Cedar Point Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Members First Credit Union of Florida
Calcasieu Parish Employees Federal Credit Union
Eight Federal Credit Union
DOY Federal Credit Union
Kraftcor Federal Credit Union
Geauga Credit Union
Service 1 Federal Credit Union
Allentown Federal Credit Union
Caro Federal Credit Union
HawaiiUSA Federal Credit Union
Genco Federal Credit Union
Compass Community Credit Union
Hartford Federal Credit Union
Everyones Federal Credit Union
Choice One Community Federal Credit Union
TopMark Federal Credit Union
Illiana Financial Credit Union
New South Credit Union
Texans Credit Union
Altoona Area Employees Federal Credit Union
Nueces Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking