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Cecil County School Employees Federal Credit Union


Overview / Commentary
www.ccsefcu.org
410-398-6921
203 Booth St
Elkton, MD 21921

Cecil County School Employees Federal Credit Union is headquartered in Elkton and is the 51st largest credit union in the state of Maryland. It is also the 2,901st largest credit union in the nation. It was established in 1953 and as of December of 2019, it had grown to 8 employees and 6,371 members at 2 locations. Cecil County School Employees Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership is open to employees and students of Cecil County Public Schools and Cecil College, employees of Cecil County Activity Center and Group Residence, Haven House Treatment Programs, Radiology Associates of Union Hospital, The Jacob Tome Institute, Tri-State Christian Academy, Union Hospital of Cecil County, or members of Elkton High School Alumni Association.
See current membership details

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Health
C

Data as of Q4 2019

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cecil County School Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #8549
Year Chartered1953
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD-0.07%
Return on Equity - YTD-0.81%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$29.4MM$29.4MM
LoansQ4 2019vs Q4 2018$14.3MM$14.0MM
DepositsQ4 2019vs Q4 2018$26.9MM$26.9MM
Equity CapitalQ4 2019vs Q4 2018$2.4MM$2.4MM
Loan Loss AllowanceQ4 2019vs Q4 2018$219.00K$116.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$461.00K$290.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cecil County School Employees Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%--EZ Pay IRA Account
0.25%$25-Regular Share Account
0.25%--Holiday Club Account
0.20%--Vacation Club Account
0.20%--Summer Savings Account
0.20%--Serendipity Account

Cecil County School Employees Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$50k*-Money Market Account
OTHER TIERS: 0.25% → $2.5k - $15k | 0.30% → $15k - $50k

Cecil County School Employees Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Regular Share Draft Account
0.05%$100-Silver Advantage Checking Account

Cecil County School Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$5k$5k24-Month Share Certificate
0.60%$2.5k$5k12-Month Share Certificate
0.55%$1k-6-Month Share Certificate
Locations


Cecil County School Employees Federal Credit Union Locations
Branch Office203 Booth StElkton, MD 21921-5646
Branch Office3135 Biggs Hwy Ste 7North East, MD 21901

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