Hunt Valley, MD & Towson, MD (August 29, 2025) — Point Breeze Credit Union and Central Credit Union of Maryland are pleased to announce plans to merge, pending regulatory and member approvals. This strategic partnership is designed to enhance member value and expand convenient access to services.
The proposed merger brings together two member-focused credit unions with shared values and a commitment to personalized, community-based service. If approved, the combined organization will operate under the Point Breeze Credit Union name and continue to deliver the easy, reliable banking experience members have come to trust.
“This merger is about creating more value and convenience for members,” said Tonia Niedzialkowski, President and CEO of Point Breeze Credit Union. “Together, we can offer more locations, better rates, and enhanced digital tools—all while maintaining the friendly, personalized service that makes banking less complicated.”
Point Breeze Credit Union is widely recognized as a trusted neighbor in the communities it serves, helping members save time and money through convenient, member-first service. The merger will allow the combined credit union to expand its footprint, improve operational efficiencies, and invest in new products and services that meet the evolving needs of its members.
“We’re excited about the future and what this partnership means for our members,” said Lisa Jester, President and CEO of Central Credit Union of Maryland. “This is a win-win that positions us to grow together.”
The merger is anticipated to be completed by January 2026, pending approval by the National Credit Union Administration (NCUA), the Maryland Office of Financial Regulation, and Central CU’s members. Until then, it will be “business as usual” at both credit unions while they continue to serve their respective members at their branch locations until a full systems integration can occur late next year.
About Point Breeze Credit Union
Celebrating 90 years of business, Point Breeze Credit Union is one of Maryland’s largest credit unions, with over 65,000 members and approximate assets of $960 million. A full-service financial institution that is member-owned and not-for-profit, Point Breeze offers easy, reliable banking through offices in Hunt Valley, Rosedale, Bel Air, Westminster, and Owings Mills, as well as more than 5,600 Shared Branch locations and 30,000 surcharge-free ATMs nationwide. Membership in Point Breeze is open to individuals who work, worship, or volunteer within 20 miles of a Point Breeze location. Point Breeze is federally insured by NCUA and an Equal Housing Opportunity lender. For more information, visit www.pbcu.com.
About Central Credit Union of Maryland
Trusted for more than 75 years, Central Credit Union of Maryland serves thousands of VA Maryland Health Care System employees and their families. With locations in Towson, on the VAMHCS campus in Perry Point, and at the Baltimore VA Hospital, Central Credit Union of Maryland is a member-owned, not-for-profit financial cooperative offering nearly all traditional banking products with lower rates and fewer fees. Central Credit Union of Maryland is federally insured by NCUA and an Equal Housing Lender. For more information, visit www.ccumd.org.
Media Contacts:
Nick Jones
Abel Communications for Point Breeze CU
(908) 458-2094
[email protected]
Lisa Jester
Central CU
(410) 828-4500
[email protected]
