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Cecil County School Employees Federal Credit Union Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Cecil County School Employees Federal Credit Union's 3-Month CD Special rates are at 3.55%. Cecil County School Employees Federal Credit Union's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of Cecil County School Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.18%. Rates last updated and verified on 08/28/2026.

Cecil County School Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cecil County School Employees Federal Credit Union? Share your experience about Cecil County School Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cecil County School Employees Federal Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.18%
Excellent Lower than avg
Cecil County School Employees Federal Credit Union
Cecil County School EFCU
203 Booth St
Elkton, MD 21921 5646
https://www.ccsefcu.org
Member NCUA

Cecil County School Employees Federal Credit Union CD Rates

Product Rate APY Term View More
3-Month Certificate Special - 3.55% 3 months
Min Deposit $500
Details New Money Minimum
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%

Cecil County School Employees Federal Credit Union Checking Rates

Product Rate APY View More
Better Rewards Checking - 3.00%
Details Good Vibes. Great Rewards.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%

Cecil County School Employees Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan - - 4.49%
Details As Low As; First Payment may be deferred up to 60 days!
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%

Cecil County School Employees Federal Credit Union Student Loan Rates

Product Rate Points APR Term View More
Student Loans - - 4.24%
Details Variable Rates
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.18%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Cecil County School Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Cecil County School Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cecil County School Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cecil County School Employees Federal Credit Union
Website https://www.ccsefcu.org
Address 203 Booth St, Elkton, MD 21921 5646
Phone 410-398-6921
Fax 410-398-0032
President James Raab
CEO Kimberly Wyre
Full-Time Employees 4
Part-Time Employees 2
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.18%
Return on Assets (ROA)
0.0016%
Return on Equity (ROE)
0.0158%
Non-Performing Loans Ratio (NPL)
1.48%
Total Assets
26,050,496
Total Amount of Shares and Deposits
23,319,361
Total Shares and Deposits < 1 Year
23,319,361
Total Insured Shares and Deposits > $250K (item 17 less item K)
23,319,361
Total Interest Expense (Sum of items 6 8)
33,011
Share Certificates
19
Number of Accounts for Share Drafts
1,549
IRA KEOGH Accounts
9
Number of Accounts for Regular Shares
2,823
Money Market Shares
14
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,264,140
Total Liabilities
23,434,433
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Cecil County School Employees Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Cecil County School Employees Federal Credit Union

How many branches does Cecil County School Employees Federal Credit Union operate?

Cecil County School Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Cecil County School Employees Federal Credit Union?

Yes, to access services at Cecil County School Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Cecil County School Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cecil County School Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cecil County School Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Cecil County School Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ccsefcu.org.

Compare to Other Credit Unions

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