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Cecil County School Employees Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 47th largest credit union in the state of Maryland. It is also the 3,011th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 6 employees and 2,748 members at 1 location. Cecil County School Employees Federal Credit Union's CD rates are 4X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Cecil County School Employees Federal Credit Union 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, West Nottingham Academy, 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 Q1 2025

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, and a negative return on assets.

Health Grade Components

Overall
NCUA #8549
Year Chartered1953
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD-2.3%
Return on Equity - YTD-22.93%
Annual Interest Income$261K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$26.3MM$28.1MM
LoansQ1 2025vs Q1 2024$10.5MM$10.5MM
DepositsQ1 2025vs Q1 2024$23.6MM$25.3MM
Equity CapitalQ1 2025vs Q1 2024$2.6MM$2.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$166K$105K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$108K$212K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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
0.25%$0-Holiday Club Account
0.20%$25-Regular Share Account
0.15%$0-Vacation Club Account
0.15%$0-Summer Savings Account
0.15%$0-Serendipity Account

Cecil County School Employees Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Money Market Account
OTHER TIERS: 0.20% → $2.5k - $15k | 0.25% → $15k - $50k

Cecil County School Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$2.5k$5k12-Month Share Certificate
3.00%$5k$5k24-Month Share Certificate
2.50%$1k-6-Month Share Certificate

Cecil County School Employees Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$0-EZ Pay IRA Account
0.35%$100-IRA Share Certificate
Locations


Cecil County School Employees Federal Credit Union Locations
Branch Office203 Booth StElkton, MD 21921-5646

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