Cedar Point Credit Union

Lexington Park, Maryland
Last verified: August 3, 2026
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Verified rate book

Current Cedar Point Credit Union rates

58 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

7 offers
Cedar Point Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed5.638% APR5.625%—Standard
Federal VA 30 Year Fixed Rate30 year fixed6.014% APR6.000%—Standard
15-Year Fixed15 year fixed5.020% APR5.000%—Standard
10-Year Fixed10 year fixed5.028% APR5.000%—Standard
20-Year Fixed20 year fixed5.517% APR5.500%—Standard
USDAother6.140% APR6.125%—Standard
12 Month Construction Loanother7.687% APR7.250%—Standard

Auto & vehicle rates

26 offers
Cedar Point Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
New Auto Loanauto_new3.490% APR3.490%newStandard
48-Month New Auto Loanauto_new_48mo4.490% APR4.490%48 mo · newStandard
Pre-owned Autoauto_used_36mo4.740% APR4.740%36 mo · usedStandard
84-Month New Auto Loanauto_new_84mo5.490% APR5.490%84 mo · newStandard
36-Month New Motorcycle Loanmotorcycle_new_36mo5.490% APR5.490%36 mo · newStandard
Pre-Owned Autoauto_used_84mo5.740% APR5.740%84 mo · usedStandard
48-Month New Motorcycle Loanmotorcycle_new_48mo6.490% APR6.490%48 mo · newStandard
60-Month New Boat Loanboat_new_60mo6.500% APR6.500%60 mo · newStandard
Pre-Owned Motorcyclesmotorcycle_used_36mo6.740% APR6.740%36 mo · usedStandard
84-Month New Boat Loanboat_new_84mo7.000% APR7.000%84 mo · newStandard
84-Month New RV Loanrv_new_84mo7.150% APR7.150%84 mo · newStandard
120-Month New RV Loanrv_new_120mo7.400% APR7.400%120 mo · newStandard
Pre-Owned Autoauto_used_48mo7.490% APR7.490%48 mo · usedStandard
84-Month New Motorcycle Loanmotorcycle_new_84mo7.490% APR7.490%84 mo · newStandard
120-Month New Boat Loanboat_new_120mo7.500% APR7.500%120 mo · newStandard
Pre-owned Boatboat_used_60mo7.500% APR7.500%60 mo · usedStandard
144-Month New RV Loanrv_new_144mo7.650% APR7.650%144 mo · newStandard
180-Month New RV Loanrv_new_180mo7.900% APR7.900%180 mo · newStandard
Pre-owned Boatboat_used_84mo8.000% APR8.000%84 mo · usedStandard
144-Month New Boat Loanboat_new_144mo8.000% APR8.000%144 mo · newStandard
Pre-owned RVrv_used_84mo8.150% APR8.150%84 mo · usedStandard
Pre-owned RVrv_used_120mo8.400% APR8.400%120 mo · usedStandard
Pre-owned Boatboat_used_120mo8.500% APR8.500%120 mo · usedStandard
Pre-owned RVrv_used_144mo8.650% APR8.650%144 mo · usedStandard
Pre-owned Boatboat_used_144mo9.000% APR9.000%144 mo · usedStandard
Pre-Owned Motorcyclesmotorcycle_used_48mo9.490% APR9.490%48 mo · usedStandard

HELOC rates

2 offers
Cedar Point Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loanheloc7.500% APR7.500%—Standard
Home Equity Loan (Fixed)heloc_fixed7.659% APR7.625%—Standard

Personal loan rates

8 offers
Cedar Point Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Share-Secured Loanpersonal_secured_60mo2.550% APR2.550%60 moStandard
84-Month Share-Secured Loanpersonal_secured_84mo3.550% APR3.550%84 moStandard
American Freedom Loanpersonal_unsecured_36mo9.000% APR9.000%36 moStandard
Any Reason Loanpersonal_unsecured_12mo11.000% APR11.000%12 moStandard
Premium Line of Creditploc_variable11.250% APR11.250%48 moStandard
12-Month Signature Loanpersonal_unsecured_12mo13.250% APR13.250%12 moStandard
24-Month Personal Line of Creditploc_variable13.250% APR13.250%24 moStandard
Revolving Creditpersonal_unsecured_48mo13.250% APR13.250%48 moStandard

Credit card rates

4 offers
Cedar Point Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card8.000% APR8.000%—Standard
Platinum Credit Cardcredit_card_platinum8.000% APR8.000%—Standard
Gold Credit Cardcredit_card9.000% APR9.000%—Standard
Classic Credit Cardcredit_card10.900% APR10.900%—Standard

Savings & CD rates

11 offers
Cedar Point Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Easy Builder Short Term Certificate Accountcd_3mo1.51% APY1.50%3 moStandard
Easy Builder Short Term Certificate Accountcd_9mo1.71% APY1.70%9 moStandard
Easy Builder Short Term Certificate Accountcd_6mo3.44% APY3.40%6 moStandard
All IRA Certificate Accountira_cd_48mo3.44% APY3.40%48 moStandard
Coverdell Education Savings Account (ESA) Certificatecd_48mo3.44% APY3.40%48 moStandard
All IRA Certificate Accountira_cd_24mo3.55% APY3.50%24 moStandard
Coverdell Education Savings Account (ESA) Certificatecd_24mo3.55% APY3.50%24 moStandard
All IRA Certificate Accountira_cd_36mo3.65% APY3.60%36 moStandard
Coverdell Education Savings Account (ESA) Certificatecd_36mo3.65% APY3.60%36 moStandard
Coverdell Education Savings Account (ESA) Certificatecd_12mo3.80% APY3.75%12 moStandard
All IRA Certificate Accountira_cd_12mo3.80% APY3.75%12 moStandard

As of August 3, 2026, Cedar Point Credit Union offers a 30-year fixed mortgage at 5.638% APR. Vehicle loans available from 3.49% APR. HELOC rates from 7.5% APR. Personal loan rates from 2.55% APR. Credit card rates from 8% APR. Savings and certificate yields up to 3.80% APY.

Source: RateAPI.dev, verified from Cedar Point Credit Union's official website

Latest available market position · Snapshot August 1, 2026

Cedar Point Credit Union statewide rate position

This dated snapshot compares the credit union's best published rate in each tracked product with other MD credit unions in the same product market. Products may age out of the current rate book until they are verified again.

Best statewide position#1 of 3130-Year Fixed Mortgage (purchase)
Percentile bandTop 4%among comparable MD offers
Products tracked5in this dated snapshot
Best-position spread77 bp better than state medianState market leader
Published rate position by comparable product on August 1, 2026
ProductPublished rateState rankState bestState medianPosition vs. median
30-Year Fixed Mortgage (purchase)5.64% APR#1 of 31 · top 4%5.64%6.41%77 bp better than state median
New Auto Loan (best offer, cars)3.49% APR#3 of 20 · top 15%2.99%4.49%100 bp better than state median
Used Auto Loan (best offer, cars)4.74% APR#8 of 17 · top 48%4.00%4.74%Matches state median
HELOC (best offer)7.50% APR#17 of 18 · top 95%3.99%6.00%150 bp behind state median
Personal Loan (unsecured, best offer)9.00% APR#18 of 25 · top 72%4.00%7.75%125 bp behind state median

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About Cedar Point Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
47.8K
Assets
$902.9M
Founded
1945
Locations reported
6
NCUA charter
5234
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Electronic statements
  • Mobile check deposit
  • Financial counseling
  • Financial education
  • Bilingual services
  • Student scholarships
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Educational SystemsLexington Park · Lexington Park · MD · 20653Branch in the same ZIPNavy Federal Credit UnionLexington Park MD · Lexington Park · MD · 20653Branch in the same ZIPTopsideMain Office · Dahlgren · VA · 22448About 33.2 miles awayAndrews Federal Credit UnionWaldorf · Waldorf · MD · 20601About 35.1 miles awayInfirstKing George · King George · VA · 22485About 39.9 miles awaySpectraWaldorf Branch · Waldorf · MD · 20603About 40.1 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Cedar Point Credit Union

Membership eligibility from Cedar Point Credit Union's own published criteria. How we verify this.

Membership criteria are published on Cedar Point Credit Union's website. Check the membership page below to confirm whether you qualify.

  • LocationCalvert, Charles, Saint Marys — MD

Verified from Cedar Point Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Cedar Point Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Cedar Point Credit Union ranks against Maryland peers.

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Frequently Asked Questions

What rates does Cedar Point Credit Union offer?

Cedar Point Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Cedar Point Credit Union rates updated?

RateAPI verifies Cedar Point Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Cedar Point Credit Union's rate data?

Rate data is collected directly from Cedar Point Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Cedar Point Credit Union's mortgage rate?

As of August 3, 2026, Cedar Point Credit Union offers a 30-year fixed mortgage at 5.638% APR.

What are Cedar Point Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 3, 2026, Cedar Point Credit Union offers vehicle loans from 3.49% APR.

What is Cedar Point Credit Union's HELOC rate?

As of August 3, 2026, Cedar Point Credit Union offers home equity lines of credit from 7.5% APR.

What is Cedar Point Credit Union's personal loan rate?

As of August 3, 2026, Cedar Point Credit Union offers personal loans from 2.55% APR.

What is Cedar Point Credit Union's best CD rate?

As of August 3, 2026, Cedar Point Credit Union offers savings and certificate (CD) yields up to 3.80% APY.

Related Rate Data

Compare Cedar Point Credit Union's rates against national credit-union benchmarks.

More Maryland credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Cedar Point Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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