Balance Transfer

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.

Go to main content

Digital Banking Mastercard Mortgage

Apply for a Loan Membership

Banking & Investments

Business Checking & Savings Accounts

Digital Banking

Savings Rates

Savings & Investments Calculators

Saving for College

Wealth Management

Banking and Investment

Digital Banking

Use our digital banking app to monitor and manage your accounts on the go.

Learn More

Cards & Loans

Credit & Debit Cards

Mortgages

Home Equity Line of Credit

Meet Our Mortgage Team

Loan & Mortgage Rates

Student Loans & Cards

Loan Calculators

House image

Mortgages

Our knowledgeable professionals are here to help you with your borrowing needs.

Member Benefits

Business Member Benefits

Scholarships & Student Aid

Account Alerts

Additional Services

Insurance

A variety of insurance options to help protect your future

Learn More

Learning Center

Budget Tools

Financial Education

CPFS Financial Services

Tutorials

Events

Financial Calculators

FAQs

Blog

Business Resources

Seminars

Financial Education Opportunities

We’re committed to providing financial education for all ages

About Cedar Point

Community Involvement

Who We Are

Careers

Map

Locations

Conveniently located throughout Southern Maryland. Find your closest branch.

Learn More

Should I transfer my credit card balances?

You might realize significant monthly interest savings by transferring your higher rate credit card balances to a lower rate credit card. Use this balance transfer calculator to help determine those potential savings.

Current Credit Card(s)

Card 1 Current Balance

Card 1 Current Rate (0% to 40%)

Card 2 Current Balance

Card 2 Current Rate(0% to 40%)

Card 3 Current Balance

Card 3 Current Rate (0% to 40%)

Card 4 Current Balance

Card 4 Current Rate (0% to 40%)

New Credit Card

Introductory rate (if applicable) (0% to 40%)

Months of promotion (if applicable) (0 to 120)

Regular interest rate (0% to 40%)

Annual fees (if applicable) ($)

Balance transfer fee (% of balance) (0% to 100%)

Balance transfer fee maximum ($)

Reset

Go to main navigation

Income - Single	Income - Head of Household	Income - Married Filing Jointly	Income - Married Filing Separately	Federal Tax Rate
$0 - $11,600	$0 - $16,550	$0 - $23,200	$0 - $11,600	10%
$11,601 - $47,150	$16,551 - $63,100	$23,201 - $94,300	$11,601 - $47,150	12%
$47,151 - $100,525	$63,101 - $100,500	$94,301 - $201,150	$47,151 - $100,525	22%
$100,526 - $191,950	$100,501 - $191,950	$201,151 - $383,900	$100,526 - $191,950	24%
$191,951 - $243,725	$191,951 - $243,700	$383,901 - $487,450	$191,951 - $243,725	32%
$243,726 - $609,350	$243,701 - $609,350	$487,451 - $731,200	$243,726 - $365,600	35%
$609,351+	$609,351+	$731,201	$365,601	37%

Type	Residence	Tuition & Fees	With Room & Board
Public 4yr	Residence: In-state	Tuition & Fees: $11,260	With Room & Board: $24,030
Public 4yr	Residence: Out-of-State	Tuition & Fees: $29,150	With Room & Board: $41,920
Public 2yr	Residence: In-State	Tuition & Fees: $3,990	With Room & Board: $13,960
Private 4yr	Residence: N/A	Tuition & Fees: $41,540	With Room & Board: $56,190

Inflation		2.9%
U.S. Treasury Bills		3.3%
Long-Term Government Bonds		5.1%
U.S. Large-Company Stocks		10.3%
U.S. Small-Company Stocks		11.8%

Year	Inflation Rate
2014		1.6%
2015		0.1%
2016		1.3%
2017		2.1%
2018		2.4%
2019		1.8%
2020		1.2%
2021		4.7%
2022		8.0%
2023		4.1%

Source: U.S. Department of Labor