Welcome to our new website! Click here to learn more and download a guide. All Cedar Point Branches along with our call centers will be closed on Thursday, June 19, 2025 in observance of the holiday. We will open for regular hours on Friday, June 20, 2025.

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Financial Education Opportunities

We’re committed to providing financial education for all ages

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Locations

Conveniently located throughout Southern Maryland. Find your closest branch.

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Your Financial Strategy

Make sound decisions to reach your financial goals

Cedar Point Financial Services, Inc.
A wholly owned subsidiary of Cedar Point Federal Credit Union


Cedar Point Financial Services, Inc. provides a wide array of financial services to Cedar Point Federal Credit Union members and potential members including the promotion of education towards personal financial responsibility. By providing sound financial information, our members will build a better understanding of their goals and be able to make sound decisions to reach those goals.

Learn more about our services below.

Strategies for Individuals

It’s crucial that you follow a personal financial strategy, but we understand creating one can be complex and confusing. That’s why many of our members rely on their Cedar Point Financial Services representative for guidance. Professional expertise and experience, backed by a wide array of products and easy-to-understand consumer materials, can give you solid financial options for both your immediate and future needs.

As your financial needs change, our representatives are available to help you revise your financial decisions to best suit your needs.

Member satisfaction is our highest priority. That’s why our Cedar Point Financial Services representatives are there for you before, during and after the process.

Build a Competitive Product Portfolio

Life Insurance and Annuities* can play an important part in your financial design. Submit a request for more information and a representative will contact you to begin your financial strategy discussion.


Request More Info

 

Strategies for Businesses

Ensure your business will continue without you.

Did you know that 75% of businesses fail following the unexpected death of the founder?**

What would happen to your business if you weren't there to run it due to your death, disability or retirement? The business you've worked so hard to build could be threatened. But with proper business continuation preparation, you can help ensure that your business will go through an orderly succession when you are gone.

Reward your key employees with Selective Employee Benefits

While your business owes much of its success to your vision and efforts, it may have also grown because of the talent and dedication of your key employees. In today's competitive marketplace, it’s vitally important to recruit, attract and reward key employees. One of the best ways to do that is by offering them Selective Employee Benefits.

Traditional qualified plans can place limits on earnings, contributions and benefits, resulting in an "income gap" for highly compensated employees. Plus, there's no cost recovery for your company's out-of-pocket plan costs, and there are most likely no "golden handcuffs" in them to help you retain key employees.

Selective Employee Benefit Plan options

There are a variety of plan options that, depending upon how your company is structured and your retirement income objectives, can allow you to provide enhanced, tax-favored benefits to yourself and select key employees.

  • 401(k) Overlay Plans
  • Supplemental Employee Retirement Plans (SERPs)
  • Deferred Compensation Plans
  • Restricted Bonus Plans or Executive Bonus Plans
  • Split Dollar Plans
  • Retirement Planning

Submit a request for more information and a representative will contact you to help you develop a Selective Employee Benefits Plan based on your objectives and situation.

Request More Info

 

Strategies for Students

In addition to opening a Youth Account with Cedar Point, students have a variety of options for building funds for their educational needs. Learn more by visiting our Saving for College and Scholarships and Student Aid pages.

 

College Savings Calculator

See how much you’ll need to save to reach your education savings goal.
Start Calculating

*Insurance products are not deposits, obligations of, or guaranteed by Cedar Point Federal Credit Union and are not insured by the National Credit Union Share Insurance Fund (NCUSIF), or any other agency of the United States, Cedar Point Federal Credit Union, or Cedar Point Financial Services, Inc.

Please request a product brochure from a Cedar Point Financial Professional for further information regarding the products discussed.

This information should not be construed as tax advice applicable to each individual. Please consult a qualified tax advisor regarding your individual circumstances.
Investors should carefully consider the fund's objectives, risk, charges, and expenses before investing. Please refer to the prospectus, as it contains this and other pertinent information, carefully before investing.

All guarantees are based upon the claims-paying ability of the issuer. Annuities and life insurance policies offered by Cedar Point are primarily provided by The Penn Mutual Life Insurance Company and The Penn Insurance & Annuity Company, a wholly owned subsidiary of Penn Mutual. Products and features may not be available in all states. Cedar Point Financial Services is not affiliated with Penn Mutual Life Insurance Company.

**Source: Prince and Associates. Analysis of 749 family businesses that failed within 3 years of transfer to next generation.

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All investing involves risk, including the possible loss of principal. No strategy assures success or prevents loss.

Dividends are not guaranteed and can be reduced or cancelled at any time.

Diversification is a strategy designed to help manage investment risk. It does not guarantee a profit or protect against investment loss in declining markets.

Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in such a fund. Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. 

Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. Optional riders are available at an additional cost. All guarantees are contingent on the financial strength of the issuing company.

Individuals cannot invest directly in an index.  The performance of an unmanaged index is not indicative of the performance of any specific security.  The guarantees of indexed annuities may cover only a certain percentage of the initial investment.  The participation rate (which is the amount of index gain that the insurance company will credit to the annuity) is set and limited by the issuing insurance company.  And sometimes there is a cap rate, which is the maximum rate of interest the annuity can earn.  Some insurance companies reserve the right to change participation rates, cap rates, and other fees either annually or at the start of each contract term; these types of changes could affect the investment return.  Based on the guarantees of the issuing company, it may be possible to lose money with this type of investment.  Therefore, it is recommended that you understand how the contract handles these issues before deciding whether to invest.

Securities offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC. 800-873-7637, www.htk.com, Cedar Point Federal Credit Union/Cedar Point Financial Services, Inc. is not affiliated with HTK. The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.

We are insurance and securities licensed in our resident state of MD, as well as other states. Please contact us for additional listing of licensed states. This is not an offer or solicitation in any state where not properly licensed or registered.

Securities and insurance products are not federally insured by NCUA; are not deposits or other obligations and are not guaranteed by Cedar Point Federal Credit Union; and are subject to investment risks.

http://www.finra.org/brokercheck

7715162RG_May27

 

Not Insured by the NCUA or any Federal Government Agency May Lose Value Not a Deposit or Guaranteed by the Credit Union or any Credit Union Affiliate


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22745 Maple Road, Lexington Park, MD 20653