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Mortgage Services


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Automated Rate Line: 301-863-7071, extension 5409

Mortgage Services Fax: 301-862-4800

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Visit our Mortgage Webcenter for rates, information, and our online application.

Apply NowHELOC Application


Subordination Requirements

Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any office regarding the locations where HMDA data may be inspected.

Personal Mortgage Services

Whether you’re a first-time home buyer or looking to refinance, Cedar Point is here to help with your borrowing needs. We can assist our members with purchasing or refinancing conventional, VA, FHA, and USDA loans. Our Mortgage Services Department offers assistance with personal and commercial property loans, construction loans, home equity lines of credit, and second mortgages.

What to Prepare

When applying for a mortgage loan, there are often quite a few documents required from a borrower. Required items may encompass paystubs, state and federal Tax Returns, W-2 forms, the property deed and more. For your first meeting with our mortgage team, it is customary to bring a valid photo ID, and subsequent meetings will be scheduled to gather all the necessary paperwork.

Now with more locations to serve Southern Maryland

Mortgage Service Representatives are now located at three branches in St. Mary’s and Calvert counties.


Monday - Friday:
9 a.m. - 5 p.m.

8:30 a.m. - noon

22745 Maple Road
Lexington Park, MD 20653

Charlotte Hall

9 a.m. - 5 p.m.

30330 Three Notch Road
Charlotte Hall, MD 20622

Prince Frederick

10 a.m. - 2:30 p.m.

90 Auto Drive
Prince Frederick, MD 20678

TruStage®Auto & Home Insurance Program

Exclusively for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote today or call 1-855-483-2149.

Get a Free Quote

TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
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Commercial Lending

Cedar Point is proud to be able to meet the financial needs of our local and area businesses. Our professional and experienced lending staff and local underwriters stand ready to help you to grow and prosper. And because we’re entirely local, we can provide fast, convenient service for all your lending needs.

Commercial Loan Options


Lines of Credit


Equipment Financing


School Bus Loans


Fleet Financing


Commercial Mortgages


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Want to learn more about how Cedar Point supports local business?

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