What are the current interest rates at Cedar Point Federal Credit Union?

Current rates for Cedar Point Federal Credit Union include: 12-Month CD: 4.01%, 24-Month CD: 3.80%, 60-Month CD: 3.80%, Savings: 1.00%, MMA: 1.00%

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Cedar Point Federal Credit Union

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Cedar Point Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Cedar Point Federal Credit Union's top rates as of October 12, 2026 are 4.06% APY on its 13 Month Special CD Offer - IRA CD Account, 1.00% APY on savings, 1.00% APY on money market accounts, 0.03% APY on checking, 5.50% on its Conventional Loans - 15 Year Fixed Rate mortgage, personal loans from 13.25% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Cedar Point Federal Credit Union CD rates include 13 Month Special CD Offer - Long Term CD Account at 4.06%, 12 Month Easy Builder Long Term CD Account at 4.01%, and 12 Month Easy Builder Long Term CD Account at 4.01%. Other Cedar Point Federal Credit Union mortgage rates include 10 Year Fixed Rate at 5.50%, 20 Year Fixed Rate at 6.00%, and 30 Year Fixed Rate at 6.12%. 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 2.72%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.72%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Cedar Point Federal Credit Union
Headquarters

22745 Maple Rd
Lexington Park, MD 20653

https://www.cpfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Cedar Point Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Special Certificate Offer - IRA Certificate Account	4.00%	4.06%	13 months
Min Deposit $500 Details APY assumes reinvestment at same term for 12 months; these certificates auto renew for 12 months; normal IRA restrictions and penalties apply; cannot be opened using funds from previously opened certificate accounts except at maturity Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
13 Month Special Certificate Offer - Long Term Certificate Account	4.00%	4.06%	13 months
Min Deposit $1,000 Details APY assumes reinvestment at same term for 12 months; these certificates auto renew for 12 months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 Month Easy Builder Long Term Certificate Account	3.95%	4.01%	12 months
Min Deposit $250 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80% Oct 12, 20264.01%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 Month Easy Builder Long Term Certificate Account	3.95%	4.01%	12 months
Min Deposit $50 Details Young Investors Option Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80% Oct 12, 20264.01%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 Month Long Term Certificate Account	3.95%	4.01%	12 months
Min Balance $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80% Oct 12, 20264.01%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
All IRA Certificate Accounts - 12 month	3.95%	4.01%	12 months
Min Deposit $500 Details IRA certificate; Normal IRA restrictions and penalties apply Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
24 Month Long Term Certificate Account	3.75%	3.80%	24 months
Min Balance $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 12, 20263.80%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
36 Month Long Term Certificate Account	3.75%	3.80%	36 months
Min Balance $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65% Oct 12, 20263.80%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
48 Month Long Term Certificate Account	3.75%	3.80%	48 months
Min Balance $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.44% → 3.80% ▲ 0.36 pts · high 3.80% / low 3.44% Oct 12, 20263.80%▲ from 3.44% Sep 14, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
All IRA Certificate Accounts - 24 month	3.75%	3.80%	24 months
Min Deposit $500 Details IRA certificate; Normal IRA restrictions and penalties apply Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
All IRA Certificate Accounts - 36 month	3.75%	3.80%	36 months
Min Deposit $500 Details IRA certificate; Normal IRA restrictions and penalties apply Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
All IRA Certificate Accounts - 48 month	3.75%	3.80%	48 months
Min Deposit $500 Details IRA certificate; Normal IRA restrictions and penalties apply Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
All IRA Certificate Accounts - 60 month	3.75%	3.80%	60 months
Min Deposit $500 Details IRA certificate; Normal IRA restrictions and penalties apply Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
60 month Long Term Certificate Account	3.80%	3.80%	60 months
Min Balance $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 12, 20263.80%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
6 Month Easy Builder Short Term Certificate Account	3.40%	3.44%	6 months
Min Deposit $250 Details Minimum: $250.00 ($50.00 Young Investor Option); Young Investor Option: $50.00 minimum opening deposit Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
6 Month Short Term Certificate Account	3.40%	3.44%	6 months
Min Deposit $1,000 Details APY assumes reinvestment at the same term for 12 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
6 Month Short Term Certificate Account	3.40%	3.44%	6 month
Min Deposit $10,000 Details APY assumes reinvestment at the same term for 12 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
9 Month Easy Builder Short Term Certificate Account	1.70%	1.71%	9 months
Min Deposit $250 Details Minimum: $250.00 ($50.00 Young Investor Option); Young Investor Option: $50.00 minimum opening deposit Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
9 Month Short Term Certificate Account	1.70%	1.71%	9 months
Min Deposit $1,000 Details APY assumes reinvestment at the same term for 12 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
9 Month Short Term Certificate Account	1.70%	1.71%	9 months
Min Deposit $10,000 Details APY assumes reinvestment at the same term for 12 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
3 Month Easy Builder Short Term Certificate Account	1.50%	1.51%	3 months
Min Deposit $250 Details Minimum: $250.00 ($50.00 Young Investor Option); Young Investor Option: $50.00 minimum opening deposit Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
3 Month Short Term Certificate Account	1.50%	1.51%	3 months
Min Deposit $1,000 Details APY assumes reinvestment at the same term for 12 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
3 Month Short Term Certificate Account	1.50%	1.51%	3 months
Min Deposit $10,000 Details APY assumes reinvestment at the same term for 12 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union Savings Rates

Product	Rate	APY
IRA or ESA Savings	1.00%	1.00%
Min Balance $100 Details Please see our Savings Rates PDF for details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Holiday Club	0.05%	0.05%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Primary Savings	0.05%	0.05%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Sub Savings	0.05%	0.05%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Accounts	1.00%	1.00%
Min Balance $2,500 Details Tier 1; Minimum balance to earn APY: $2,500.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking	0.025%	0.025%
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Loans - 15 Year Fixed Rate	5.50%	0.000	5.528%	15 years
Details Mortgage; Conventional Loans Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
10 Year Fixed Rate	5.50%	0.000%	5.54%	10 years
Details Conventional Loans Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
20 Year Fixed Rate	6.00%	0.000%	6.024%	20 years
Details Conventional Loans Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.02% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
30 Year Fixed Rate	6.125%	0.000%	6.333%	30 years
Details Conventional Loans Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.33% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Federal VA 30 Year Fixed Rate	6.50%	0.000%	6.519%	30 years
Details VA Loans Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.52% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Land Loans - 15 Year Fixed Rate	8.50%	0.000%	8.543%	15 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 15 Year Fixed Rate	8.125%	0.000%	8.163%	15 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.16% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Home Equity Loan - 10 Year Fixed Rate	8.125%	0.000%	8.177%	10 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.18% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - 36 months	-	-	3.49%	36 months
Details As Low As; APR as low as; Monthly Payment per $1000 not extracted; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Auto Loan - 48 months	-	-	4.49%	48 months
Details As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Auto Loan - 60 months	-	-	4.49%	60 months
Details As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Auto Loan - 72 months	-	-	4.49%	72 months
Details As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Auto	-	-	4.74%	36 months
Details As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Auto	-	-	4.74%	48 months
Details As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Auto	-	-	4.74%	60 months
Details As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Auto	-	-	4.74%	72 months
Details As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Auto Loan - 84 months	-	-	5.49%	84 months
Details As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Auto	-	-	5.74%	84 months
Details As Low As; Vehicle must be 10 model years or newer at the end of the 84 month term; CPFCU will finance based on credit and retail value of the vehicle Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Auto	-	-	7.49%	48 months
Details As Low As; Age of Vehicle: 8-10 years; CPFCU will finance based on credit and retail value of the vehicle Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle - 36 months Loan	-	5.49%	36 months
Details APR as low as; Financed up to 100% of purchase price; Negative equity not financed; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle Loan	-	5.49%	36 months
Details As Low As; CPFCU will finance up to 100% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle - 48 months Loan	-	6.49%	48 months
Details APR as low as; Financed up to 100% of purchase price; Negative equity not financed; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle - 60 months Loan	-	6.49%	60 months
Details APR as low as; Financed up to 100% of purchase price; Negative equity not financed; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle - 72 months Loan	-	6.49%	72 months
Details APR as low as; Financed up to 100% of purchase price; Negative equity not financed; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle Loan	-	6.49%	48 months
Details As Low As; CPFCU will finance up to 100% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle Loan	-	6.49%	60 months
Details As Low As; CPFCU will finance up to 100% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle Loan	-	6.49%	72 months
Details As Low As; CPFCU will finance up to 100% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Boat Loan	-	6.50%	60 months
Details As Low As; CPFCU will finance up to 90% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Motorcycle Loan	-	6.74%	36 months
Details As Low As; Age of Vehicle: 1-7 years; Based on NADA clean retail value. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Motorcycle Loan	-	6.74%	48 months
Details As Low As; Age of Vehicle: 1-7 years; Based on NADA clean retail value. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Motorcycle Loan	-	6.74%	60 months
Details As Low As; Age of Vehicle: 1-7 years; Based on NADA clean retail value. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Motorcycle Loan	-	6.74%	72 months
Details As Low As; Age of Vehicle: 1-7 years; Based on NADA clean retail value. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Boat Loan	-	7.00%	84 months
Details As Low As; CPFCU will finance up to 90% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New RV Loan	-	7.15%	84 months
Details As Low As; CPFCU will finance up to 80% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New RV Loan	-	7.40%	120 months
Details As Low As; CPFCU will finance up to 80% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle - 84 months Loan	-	7.49%	84 months
Details APR as low as; Financed up to 100% of purchase price; Negative equity not financed; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Motorcycle Loan	-	7.49%	84 months
Details As Low As; CPFCU will finance up to 100% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Boat Loan	-	7.50%	120 months
Details As Low As; CPFCU will finance up to 90% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Boat Loan	-	7.50%	60 months
Details As Low As; Pre-owned boat loan; Based on NADA average retail value under 25 foot. Based on 85% of Fair Market Value (Marine Survey) over 25 foot. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New RV Loan	-	7.65%	144 months
Details As Low As; CPFCU will finance up to 80% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New RV Loan	-	7.90%	180 months
Details As Low As; CPFCU will finance up to 80% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
New Boat Loan	-	8.00%	144 months
Details As Low As; CPFCU will finance up to 90% of purchase price; cannot finance negative equity; minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Boat Loan	-	8.00%	84 months
Details As Low As; Pre-owned boat loan; Based on NADA average retail value under 25 foot. Based on 85% of Fair Market Value (Marine Survey) over 25 foot. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned RV - 84 months Loan	-	8.15%	84 months
Details As Low As; Up to 100% of NADA wholesale value. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned RV Loan	-	8.15%	84 months
Details As Low As; Up to 100% of NADA wholesale value; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned RV - 120 months Loan	-	8.40%	120 months
Details As Low As; Up to 100% of NADA wholesale value. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned RV Loan	-	8.40%	120 months
Details As Low As; Up to 100% of NADA wholesale value; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Boat Loan	-	8.50%	120 months
Details As Low As; Pre-owned boat loan; Based on NADA average retail value under 25 foot. Based on 85% of Fair Market Value (Marine Survey) over 25 foot. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned RV - 144 months Loan	-	8.65%	144 months
Details As Low As; Up to 100% of NADA wholesale value. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned RV Loan	-	8.65%	144 months
Details As Low As; Up to 100% of NADA wholesale value; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Boat Loan	-	9.00%	144 months
Details As Low As; Pre-owned boat loan; Based on NADA average retail value under 25 foot. Based on 85% of Fair Market Value (Marine Survey) over 25 foot. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Pre-owned Motorcycle Loan	-	9.49%	48 months
Details As Low As; Age of Vehicle: 8-10 years; Based on NADA clean retail value. Minimum loan amounts apply. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Classic Credit Card	-	10.90%
Details Published APR range: 10.90 - 12.90%. Cash Advance APR: 10.90 - 12.90%; *When you open your account, based on creditworthiness; Annual Fee: $0; Credit Limit: Up to $5,000; Balance Transfer Fee:; Foreign Transaction Fee: 1% of each transaction in US dollars; Penalty Rate:; Returned Payment Penalty: $20.00; Late Payment Penalty: $15.00; Rates are fixed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 10.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	13.25%	12 months
Details As Low As; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Signature Loans	13.25%	24 months
Details As Low As; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Signature Loans	13.25%	36 months
Details As Low As; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Signature Loans	13.25%	48 months
Details As Low As; Minimum loan amounts apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Cedar Point Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
American Freedom Loan	-	-	9.00%	36 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
American Freedom Loan	-	-	9.00%	48 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Any Reason Loan	-	-	11.00%	12 months
Details As Low As; Personal loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Any Reason Loan	-	-	11.00%	24 months
Details As Low As; Personal loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Any Reason Loan	-	-	11.00%	36 months
Details As Low As; Personal loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Any Reason Loan	-	-	11.00%	48 months
Details As Low As; Personal loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Construction Loan - 12 Month	7.25%	0.000	7.687%	12 Month
Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Premium Line of Credit	-	-	11.25%	48 months
Details As Low As; Line of Credit; Amount: Up to $15,000; Maximum term is approximate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Revolving Credit Loan	-	-	13.25%	48 months
Details As Low As; Line of Credit; Amount: Up to $15,000; Maximum term is approximate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
USDA Loans	6.625%	0.000%	6.645%
Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
12 Month Coverdell IRA Certificate Account	3.95%	-	4.01%	12 months
Min Deposit $500 Details Normal Coverdell ESA restrictions apply; Coverdell Education Savings Account (ESA) Certificate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
24 Month Coverdell IRA Certificate Account	3.75%	-	3.80%	24 months
Min Deposit $500 Details Normal Coverdell ESA restrictions apply; Coverdell Education Savings Account (ESA) Certificate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
36 Month Coverdell IRA Certificate Account	3.75%	-	3.80%	36 months
Min Deposit $500 Details Normal Coverdell ESA restrictions apply; Coverdell Education Savings Account (ESA) Certificate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
48 Month Coverdell IRA Certificate Account	3.75%	-	3.80%	48 months
Min Deposit $500 Details Normal Coverdell ESA restrictions apply; Coverdell Education Savings Account (ESA) Certificate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
60 Month Coverdell IRA Certificate Account	3.75%	-	3.80%	60 months
Min Deposit $500 Details Normal Coverdell ESA restrictions apply; Coverdell Education Savings Account (ESA) Certificate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%
Youth	0.05%	-	0.05%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.72%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Cedar Point Federal Credit Union’s Texas Ratio fell from 3.94% in Q3 2023 to 2.72% in Q2 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$906M	2.72%	5.0	A+
March 31, 2026	$903M	1.20%	5.0	A+
December 31, 2025	$876M	4.43%	5.0	A+
September 30, 2025	$853M	3.81%	5.0	A+
June 30, 2025	$850M	3.68%	5.0	A+
March 31, 2025	$835M	2.92%	5.0	A+
December 31, 2024	$804M	3.94%	5.0	A+
September 30, 2024	$798M	6.12%	5.0	A
June 30, 2024	$794M	6.34%	5.0	A
March 31, 2024	$787M	5.62%	5.0	A+
December 31, 2023	$772M	6.12%	5.0	A
September 30, 2023	$761M	3.94%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 134

Part-Time Employees 1

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.72%

Return on Assets (ROA)

0.4091%

Return on Equity (ROE)

4.4173%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

905,816,475

Total Amount of Shares and Deposits

819,269,652

Total Shares and Deposits < 1 Year

747,954,602

Total Shares and Deposits 1 3 Years

54,517,624

Total Shares and Deposits > 3 Years

16,797,427

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

51,536,269

Total Uninsured Shares and Deposits > $250K (F+J)

51,536,269

Total Insured Shares and Deposits > $250K (item 17 less item K)

767,733,383

Total Interest Expense (Sum of items 6 8)

5,287,573

Share Certificates

5,693

Number of Accounts for Share Drafts

28,626

IRA KEOGH Accounts

1,452

Number of Accounts for Regular Shares

48,048

All other shares

2,600

Non Member Deposits

Money Market Shares

919

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)

53,537,188

Total Liabilities

829,908,573

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Cedar Point Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Cedar Point Federal Credit Union

How 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

12-Month CD4.01%
24-Month CD3.80%
60-Month CD3.80%
Savings1.00%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Cedar Point Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cedar Point Federal Credit Union Texas Ratio

Cedar Point Federal Credit Union Health Trend

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Cedar Point Federal Credit Union Savings Rates

Cedar Point Federal Credit Union Money Market 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Cedar Point Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cedar Point Federal Credit Union

How many branches does Cedar Point Federal Credit Union operate?

Is a member application needed to join Cedar Point Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cedar Point Federal Credit Union offer online and mobile banking?

Current Cedar Point Federal Credit Union Rates

Compare to Other Credit Unions