Cedar Point Federal Credit Union

What Cedar Point Federal Credit Union does

Cedar Point Federal Credit Union is a federally chartered, member-owned not-for-profit cooperative founded in 1945 at Naval Air Station Patuxent River and headquartered in Lexington Park, Maryland. It serves individual residents, small businesses, youth/families, and wealth management clients across Calvert, Charles, and St. Mary's counties in Southern Maryland, operating under a community charter obtained in 2009. The product portfolio spans deposit accounts (checking, savings, money market, IRAs, CDs), a full lending suite (mortgages, HELOCs, auto, motorcycle, boat/RV, personal, student, and business loans), credit and debit cards, insurance, and wealth management delivered through its wholly-owned subsidiary Cedar Point Financial Services (CPFS), which partners with Hornor, Townsend & Kent, LLC for brokerage execution.

The technology stack is a hybrid of proprietary digital channels and third-party integrations. A digital banking platform provides mobile and browser-based account management, mobile deposits, secure messaging, and account alerts; this platform was refreshed in June 2026 with dynamic, personalized features. Layered services include CardValet for debit/credit card controls, Zelle for peer-to-peer payments, First Data for Mastercard transaction processing and online banking access, NetXInvestor for investment account management, Coconut Calendar for appointment scheduling, and Kadince for community sponsorship request intake. No proprietary AI/ML capabilities, APIs, or SDKs are disclosed.

Revenue is generated primarily through interest income on loans (auto at 3.49% APR, HELOC at 7.50% APR, credit cards at 8.00% APR), account and service fees, merchant services, and wealth management fees via CPFS. The go-to-market motion is community-led, anchored by local branch presence, financial education workshops, and the 80 Acts of Service initiative that delivered 700+ employee volunteer hours in 2025. Marketing is concentrated in content (website, blog), community events and sponsorships, organic social media, and email, with no paid acquisition or enterprise sales motion. The customer base is horizontally segmented across consumer, business, youth, and wealth segments with no disclosed anchor customers.

Name

Cedar Point Federal Credit Union

Legal name

Cedar Point Federal Credit Union

Website

https://cpfcu.com

Company type

Private

Founded year

1945

Operating status

Operating

Headcount range

101–250 employees

Short description

Cedar Point Federal Credit Union is a federally chartered, member-owned cooperative founded in 1945 that provides retail banking, lending, and wealth management services to residents, businesses, and families across Calvert, Charles, and St. Mary's counties in Southern Maryland.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Credit Unions (52213), Depository Credit Intermediation (5221), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Community credit union
• Consumer lending products
• Wealth management services
• Business banking solutions

Headquarters

HQ city

Lexington Park

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Interest Income from Lending: Primary revenue from interest charged on loans including mortgages, auto loans, personal loans, credit cards, home equity lines, and business loans. Competitive rates offered with APR as low as 3.49% for new auto loans.
2. Account Fees and Service Charges: Fees associated with checking accounts, savings accounts, wire transfers, merchant services, and other banking services.
3. Wealth Management Services: Revenue from investment and financial planning services through Cedar Point Financial Services (CPFS), offered in partnership with Hornor, Townsend & Kent, LLC. Includes investment management, retirement planning, estate planning, and insurance products.
4. Insurance Products: Insurance products and services offered to members through partnerships, including life insurance, extended care, and other coverage options.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Cedar Point Federal Credit Union is a member-owned, federally chartered community credit union that provides a full range of retail banking, consumer lending, and wealth management products to residents and businesses of Southern Maryland. Its core offerings include checking and savings accounts, mortgages, auto and personal loans, credit cards, business banking, and investment/financial planning services delivered through its CPFS subsidiary.

Product overview

Cedar Point Federal Credit Union offers a comprehensive suite of banking, lending, and wealth management products and services. The core banking platform includes checking and savings accounts, youth accounts, business accounts, and digital banking tools. Lending products span mortgages, home equity lines of credit, auto loans, boat/RV loans, personal loans, business loans, and student loans. Wealth management services are delivered through Cedar Point Financial Services (CPFS) for investment, retirement, estate, insurance, tax, and lifestyle planning. Additional member benefits include Visa cards (credit and debit), CardValet, Zelle, insurance products, wire transfers, direct deposit, scholarships, and financial education resources.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts
• Savings Accounts
• Money Market Accounts
• Youth Accounts
• Certificates (CDs)
• IRA & ESA Accounts
• Business Checking & Savings Accounts
• Visa Debit Cards
• Credit Cards
• Mortgages
• Home Equity Line of Credit
• Auto Loans
• Motorcycle Loans
• Boat & RV Loans
• Personal Loans
• Business Loans
• Student Loans & Cards
• Cedar Point Financial Services (Wealth Management)
• Merchant Services
• Wire Transfers
• Insurance
• Visa Gift Cards

Quantifiable outcome

• Home Equity APR as low as 7.50%
• +3 more outcomes

Segments4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Hornor, Townsend & Kent, LLC (HTK)coreTechnology or Integration · 9 June 2026Securities and investment products offered through HTK, Member FINRA/SIPC. CPFS (Cedar Point Financial Services) operates as a separate entity offering investment and financial planning services using HTK's brokerage platform. Securities and insurance products are not federally insured by NCUA.
• First DatacoreTechnology or IntegrationFirst Data processes Mastercard transactions for Cedar Point Federal Credit Union. Online banking access provided through First Data's platform at onlinebanking.firstdata.com.
• ZellecoreTechnology or IntegrationPeer-to-peer payment service integrated into digital banking for members to send and receive money.

Scale indicators5 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• APGFCU (Aberdeen Proving Ground Federal Credit Union): Maryland-based federal credit union with similar military-community heritage and a comparable size and product set (deposits, lending, digital banking). Closest scale-comparable peer serving a defined community in Maryland.
• Educational Systems Federal Credit Union (ESFCU): Maryland-area federal credit union serving a defined membership group (educators) with a similar full-service deposit and lending product mix. Comparable community-chartered credit union model in the same geography.
• Andrews Federal Credit Union: Mid-Atlantic federal credit union with military origins serving members across Maryland, DC, and Virginia. Comparable federally chartered, community-minded institution with similar product breadth.
• Point Breeze Credit Union: Maryland-headquartered community credit union offering full-service consumer and business banking, lending, and wealth services. Comparable in mission, scope, and Mid-Atlantic regional footprint.
• SECU (Maryland State Employees Credit Union): Maryland-chartered credit union serving a defined membership base with a similar full-service banking, lending, and digital platform offering. Comparable in cooperative structure and regional footprint.
• Members 1st Federal Credit Union: Mid-Atlantic community credit union (Pennsylvania-headquartered, Maryland-area membership) with comparable full-service banking, lending, and wealth offerings. Similar size and product breadth to Cedar Point.
• First Financial Federal Credit Union (of Maryland): Maryland-headquartered community credit union offering consumer and business banking, lending, and digital services. Comparable full-service cooperative model serving a defined regional membership base.

Broad incumbents

• PenFed (Pentagon Federal Credit Union): Large national federal credit union with military heritage and a broad deposit, lending, and wealth product suite. Establishes a benchmark for federally chartered credit unions operating well beyond a single community charter.
• Navy Federal Credit Union: World's largest federal credit union, also rooted in U.S. Navy heritage like Cedar Point. While much larger and national in scope, it shares the federally chartered, member-owned, military-origins DNA and competes for the same Southern Maryland military-affiliated households.

Regional players

• Atlantic Union Bank: Virginia-headquartered regional commercial bank with significant Maryland presence including branches in Southern Maryland. Represents the for-profit depository competitor that competes for the same retail and small-business deposit and lending relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cedarpointfcu

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cedar Point Federal Credit Union