Rates | Cedar Point FCU (Lexington Park, MD)
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Current Rates

Rate information is accurate as of June 1, 2025.

Please read the appropriate disclosures or contact the credit union if you would like a disclosure mailed to you. Rates may be subject to change.
Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Premium Loan Rates. No prepayment penalties apply.

Auto

Please note that the rates below are available for a limited time only. They are not available for vehicles already financed through Cedar Point.

New Auto*
TermAPR as low asMonthly Payment per $1000
36 months 3.99% $29.52
48 months 4.49% $22.80
60 months 4.49% $18.64
72 months 4.49% $15.87
84 months 5.49% $14.37

*CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.

Pre-owned Auto‡
TermAge of VehicleAPR as low asMonthly Payment per $1000
36 months 1-7 years 4.74% $29.85
48 months 1-7 years 4.74% $22.91
60 months 1-7 years 4.74% $18.75
72 months 1-7 years 4.74% $15.98

84 months

 ** 5.74% $14.48
48 months 8-10 years 7.49% $24.17


‡CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
**Vehicle must be 10 model years or newer at the end of the 84 month term.

Motorcycle

 New Motorcycle* Rates
TermAPR as low asMonthly Payment per $1000
36 months 6.99% $30.87
48 months 7.49% $24.17
60 months 7.49% $20.03
72 months 7.49% $17.29
84 months 8.49% $15.83

*CPFCU will finance up to 100% of purchase price. We cannot finance negative equity. Minimum loan amounts apply. See printable pdf for details.

 Pre-owned Motorcycle‡ Rates
TermAge of VehicleAPR as low asMonthly Payment per $1000
36 months 1-7 years 7.74% $31.22
48 months 1-7 years 7.74% $24.29
60 months 1-7 years 7.74% $20.15
72 months 1-7 years 7.74% $17.41
48 months 8-10 years 8.74% $24.76


‡Based on NADA clean retail value. Minimum loan amounts apply. See printable pdf for details.

Boat & RV

 New Boat* Rates
TermAPR as low asMonthly Payment per $1000
60 months 6.50% $19.57
84 months 7.00% $15.09
120 months 7.50% $11.87
144 months 8.00% $10.82

*CPFCU will finance up to 90% of purchase price. We cannot finance negative equity. Minimum loan amounts apply. See Boat & RV Loan Rates for details.

 Pre-owned Boat‡† Rates
TermAPR as low asMonthly Payment per $1000
60 months 7.50% $20.04
84 months 8.00% $15.59
120 months 8.50% $12.40
144 months 9.00% $11.38


‡Based on NADA average retail value under 25 foot. Based on 85% of Fair Market Value (Marine Survey) over 25 foot.
†Loan applications for pre-owned boats under 25 foot must be accompanied by a current picture of the boat. Loan applications for pre-owned boats 25 foot and over must be accompanied by a current picture of the boat & a marine survey done by a licensed surveyor.
Minimum loan amounts apply. See Boat & RV Loan Rates for details.

 New RV* Rates
TermAPR as low asMonthly Payment per $1000
84 months 7.15% $15.17
120 months 7.40% $11.82
144 months 7.65% $10.63
180 months 7.90% $9.50

*CPFCU will finance up to 80% of purchase price. We cannot finance negative equity. Minimum loan amounts apply. See Boat & RV Loan Rates for details.

 Pre-owned RV‡ Rates
TermAPR as low asMonthly Payment per $1000
84 months 8.15% $15.66
120 months 8.40% $12.35
144 months 8.65% $11.18


‡Up to 100% of NADA wholesale value. Minimum loan amounts apply. See Boat & RV Loan Rates for details.

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Personal

Personal Loans

Signature Loan Rates
TermAPR as low asMonthly Payment per $1000
12 months 13.25% $89.43
24 months 13.25% $47.66
36 months 13.25% $33.81
48 months 13.25% $26.95
American Freedom Loan Rates
TermAPR as low asMonthly Payment per $1000
36 months 9.00% $31.80
48 months 9.00% $24.89
Shared Secured* Loan Rates
TermAPR as low asMonthly Payments per $1000
Up to 60 months 2.55%‡ $17.79
84 months 3.55%† $13.49

*Rate reflects loan against share 0 account. Other options are available. Please contact us for options.
‡2.5% over published share rate
†3.5% over published share rate
Limitations apply. Minimum loan amounts apply. See Personal Loan Rates for details.

Any Reason Loan Rates
TermAPR as low asMonthly Payment per $1000
12 months 11.00% $88.38
24 months 11.00% $46.61
36 months 11.00% $32.74
48 months 11.00% $25.85
Vacation Loan Rates
TermAPR as low asMonthly Payment per $1000
12 months 11.00% $88.38
24 months 11.00% $46.61

Line of Credit

Line of Credit Rates
Loan TypeMaximum Term*APR as low asAmount
Revolving Credit 48 months 13.25% Up to $15,000
Premium Line of Credit 48 months 11.25% Up to $15,000‡

*Approximate Term. Payments are based on term stated. Actual loan term may vary based on repayment schedule.
See Personal Loan Rates for details.

Certificates

Rate information for certificates is accurate as of June 1, 2025. Early withdrawal penalties will apply. Fees could reduce earnings on your account. See our Certificate Rates Disclosure for details or contact Cedar Point to receive a copy of these disclosures. 

You can now open a Cedar Point Federal Credit Union Certificate account online! 

Open An Account 

Long Term Certificate Account

TermMinimum Opening DepositAnnual Percentage Yield (APY)Dividend Fixed Rate
12 months $1,000.00 4.01% 3.95%
24 months $1,000.00 3.85% 3.80%
36 months $1,000.00 3.85% 3.80%
48 months $1,000.00 3.85% 3.80%
60 months $1,000.00 3.80% 3.75%

See Certificate Rates & Fee Schedule for more information

Short Term Certificate Account*

TermMinimum Opening DepositAnnual Percentage Yield (APY)Dividend Fixed Rate
3 months $1,000.00 1.51% 1.50%
6 months $1,000.00 3.79% 3.75%
9 months $1,000.00 1.71% 1.70%
3 months $10,000.00 1.51% 1.50%
6 months $10,000.00 3.79% 3.75%
9 months $10,000.00 1.71% 1.70%

*APY assumes reinvestment at the same term for 12 months

Easy Builder Long Term Certificate Account

TermMinimum Opening DepositAnnual Percentage Yield (APY)Dividend Fixed Rate
12 months $250.00 4.01% 3.95%
12  months $50.00 (Young Investors Option) 4.01% 3.95%

Easy Builder Short Term Certificate Account

TermMinimum Opening DepositAnnual Percentage Yield (APY)Dividend Fixed Rates
3 months $250.00 ($50.00 Young Investor Option) 1.51% 1.50%
6 months $250.00 ($50.00 Young Investor Option) 1.61% 1.60%
9 months $250.00 ($50.00 Young Investor Option) 1.71% 1.70%

13 Month Special Certificate Offer†

TermMinimum Opening DepositAnnual Percentage Yield (APY)Dividend Fixed Rate
13 months $1,000.00 Long Term Certificate Account 4.06% 4.00%
13 months $500.00* IRA Certificate Account† 4.06%** 4.00%

*APY assumes reinvestment at same term for 12 months. These certificates auto renew for 12 months.
‡Normal IRA restrictions and penalties apply. See IRA Disclosure for IRA agreement.
†These certificates cannot be opened using funds from previously opened certificate accounts except at maturity.
Account restrictions may apply. See Special Certificate Account Disclosure for details.

All IRA Certificate Accounts‡

TermMinimum Opening DepositAnnual Percentage Yield (APY)Dividends Fixed Rate
12 months $500.00 4.01% 3.95%
24 months $500.00 3.85% 3.80%
36 months $500.00 3.85% 3.80%
48 months $500.00 3.85% 3.80%
60 months $500.00 3.80% 3.75%

‡Normal IRA restrictions and penalties apply. See IRA Disclosure for IRA Agreement.

Coverdell Education Savings Account (ESA) Certificate

Coverdell Education Savings Account (ESA) Certificate*
TermMinimum Opening DepositAnnual Percentage Yield (APY)Dividends Fixed Rate
12 months $500.00 4.01% 3.95%
24 months $500.00 3.85% 3.80%
36 months $500.00 3.85% 3.80%
48 months $500.00 3.85% 3.80%
60 months $500.00 3.80% 3.75%

*Normal Coverdell ESA restrictions apply. See Coverdell Rate Disclosure for agreement.

Share Accounts

Money Market Account

Rate information is accurate as of January 1, 2024. See Share Rate & Fee Schedule for details.

Money Market Account
TierAnnual Percentage Yield (APY)Dividend RateMinimum Balance to Earn APY
Tier 1 1.00% 1.00% $2,500.00
Tier 2 1.00 - 1.12% 1.20% $10,000.00
Tier 3 1.12 - 1.41% 1.40% $25,000.00

Share Account

Share Account
Account TypeAnnual Percentage Yield (APY)Dividend RateMinimum Balance to Earn APY
Prime Share 0.05% 0.05% $100.00
Sub Share 0.05% 0.05% $100.00
Holiday Club 0.05% 0.05% $100.00
ALF Share 0.05% 0.05% $100.00
Youth 0.05% 0.05% $5.00
Share Draft 0.025% 0.025% $500.00

IRA or ESA Share Accounts

IRA or ESA Share Accounts
Account TypeAnnual Percentage Yield (APY)Dividend RateMinimum Balance to Earn APY
IRA or ESA Share under $500.00 0.05% 0.05% $100.00
IRA or ESA Share over $500.00 1.00% 1.00% $500.00

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