Cedar Point Credit Union

22745 Maple Road
Lexington Park, MD 20653
(301) 863-7071
www.cpfcu.com

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Cedar Point Credit Union is headquartered in Lexington Park and is the 12^st largest credit union in the state of Maryland. It is also the 508^th largest credit union in the nation. It was established in 1945 and as of December of 2012, it had grown to 97 employees and 33,587 members. Cedar Point Credit Union has a 4-star health rating.

2.88% 5-Year CD At Cedar Point Credit Union In South MD - Local Only (Forum) - 10/18/2010

In addition to the 5-year CD, it also has some decent rates on other long-term CDs and IRA CD. As of 10/18/2010 these include: 2.88% APY 5-year CD and IRA CD 2.37% APY 4-year CD and IRA CD 2.07% APY 3-year CD and IRA CD Minimum deposit is $1,000. A

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See Rates for: Checking | Savings | Money Market | CD | IRA

Cedar Point Credit Union Checking Account Rates

Apy	Min	Max	Product
0.05%	$500	-	Share Draft
0.05%	$500	-	Business Share Draft Account

Cedar Point Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$100	-	CESA Share Account
0.10%	$100	-	Shares
0.10%	-	-	Youth Account
0.10%	$100	-	Christmas Club
0.10%	$100	-	Sub-Shares
0.10%	-	-	IRA Share
0.10%	-	-	Roth IRA Share
0.10%	$100	-	Business Prime Share Account
0.10%	$100	-	Business Sub Share Account
0.00%	$25	-	Escrow

Cedar Point Credit Union Money Market Rates

Apy	Min	Max	Product
0.20%	$25k	-	Business Money Market Account
0.12%	$2,500	-	Money Market Account

Cedar Point Credit Union CD Rates

Apy	Min	Max	Product
0.70%	$1k	-	60 Month CD
0.60%	$1k	-	48 Month CD
0.55%	$1k	-	36 Month CD
0.35%	$1k	-	24 Month CD
0.25%	$1k	-	12 Month CD
0.20%	$1k	-	9 Month CD
0.17%	$250	-	12 Month Easy Builder CD
0.17%	$50	-	12 Month Easy Builder Youth CD
0.15%	$1k	-	6 Month CD
0.15%	$250	-	6 Month Easy Builder CD
0.15%	$250	-	9 Month Easy Builder CD
0.15%	$50	-	6 Month Easy Builder Youth CD
0.15%	$50	-	9 Month Easy Builder Youth CD
0.12%	$1k	-	3 Month CD
0.12%	$250	-	3 Month Easy Builder CD
0.12%	$50	-	3 Month Easy Builder Youth CD

Cedar Point Credit Union IRA Rates

Apy	Min	Max	Product
0.70%	$500	-	60 Month CESA
0.70%	$500	-	60 Month IRA
0.70%	$500	-	60 Month Roth IRA
0.60%	$500	-	48 Month CESA
0.60%	$500	-	48 Month IRA
0.60%	$500	-	48 Month Roth IRA
0.55%	$500	-	36 Month CESA
0.55%	$500	-	36 Month IRA
0.55%	$500	-	36 Month Roth IRA
0.35%	$500	-	24 Month CESA
0.35%	$500	-	24 Month IRA
0.35%	$500	-	24 Month Roth IRA
0.25%	$500	-	12 Month CESA
0.25%	$500	-	12 Month IRA
0.25%	$500	-	12 Month Roth IRA

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

CEDAR POINT
NCUA #	5234
BankRate Report	View
Year Chartered	1945
Employees	97
Primary Regulator
Assets and Liabilities
Assets	$405.02 million
Loans	$197.61 million
Deposits	$367.79 million
Equity Capital	$36.23 million
Loan Loss Allowance	$2.42 million
Unbacked Noncurrent Loans	$3.25 million
Real Estate Owned	$148,000
Historic Data - December 2011
Assets	$368.81 million
Equity Capital	$34.92 million
Loan Loss Allowance	$2.33 million
Unbacked Noncurrent Loans	$3.50 million
Real Estate Owned	$120,000
Profit Margin - Quarterly
Net Interest Margin	4.33%
Return on Assets	0.32%
Return on Equity	3.59%
Interest Income	$11.82 million
Non-Interest Income	$5.17 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Cedar Point Credit Union had $3.4 million in non-current loans and owned real-estate with $38.65 million in equity and loan loss allowances on hand to cover it. This gives Cedar Point Credit Union a Texas Ratio of 8.79% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Cedar Point Credit Union held steady from 9.72% as of December 31, 2011 to 8.79% as of December 31, 2012, resulting in a positive change of 9.57%.This indicates that the balance sheet and financial strength for Cedar Point Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Cedar Point Credit Union has increased its total deposits by $34.78 million, resulting in 10.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cedar Point Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cedar Point Credit Union has $405.02 million in assets with $38.65 million in equity, resulting in a capitalization level of 9.54%, which is average.