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Cecil County School Employees Federal Credit Union

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

Q: What are the current interest rates at Cecil County School Employees Federal Credit Union?

Current rates for Cecil County School Employees Federal Credit Union include: 12-Month CD: 4.20%

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Cecil County School Employees Federal Credit Union's 12-Month CD rates are at 4.20%. Cecil County School Employees Federal Credit Union's Student Loan Rates are as low as 4.24%. 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 6.30%. Rates last updated and verified on 09/20/2026.

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

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.30%

Excellent Higher than avg

Health Trend

Improving 11 quarters

Full history ›

Cecil County School Employees Federal Credit Union
Cecil County School EFCU

203 Booth St
Elkton, MD 21921-5646

https://www.ccsefcu.org

Cecil County School Employees Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
12-Month Certificate	-	4.20%	12 Months
Min Deposit $500 Details Reach your goals faster with only a $500 minimum deposit! Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Cecil County School Employees Federal Credit Union Checking Rates

Product	Rate	APY	View More
Better Rewards Checking	-	3.00%
Details Good Vibes. Great Rewards. Earn 3.00% APY* with Better Rewards Checking. Earn More Today* Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Cecil County School Employees Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term	View More
Student Loans	-	-	4.24%
Details Variable Rates as low as 4.24% APR*. College costs less here with our affordable Student Choice private lending solution. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Cecil County School Employees Federal Credit Union’s Texas Ratio fell from 7.90% in Q2 2023 to 6.30% in Q4 2025, so its financial health has improved over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
December 31, 2025	$25M	6.30%	5.0	A
September 30, 2025	$26M	5.18%	5.0	A+
June 30, 2025	$26M	3.95%	5.0	A+
March 31, 2025	$26M	3.88%	5.0	A+
December 31, 2024	$26M	7.17%	5.0	A
September 30, 2024	$26M	7.59%	5.0	A
June 30, 2024	$27M	6.82%	5.0	A
March 31, 2024	$28M	7.78%	5.0	A
December 31, 2023	$27M	6.44%	5.0	A
September 30, 2023	$28M	4.82%	5.0	A+
June 30, 2023	$28M	7.90%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 Jody Leftwich

Full-Time Employees 4

Part-Time Employees 1

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

6.30%

Return on Assets (ROA)

-2.3393%

Return on Equity (ROE)

-28.1482%

Non-Performing Loans Ratio (NPL)

1.54%

Total Assets

25,132,156

Total Amount of Shares and Deposits

22,857,570

Total Shares and Deposits < 1 Year

22,797,435

Total Shares and Deposits 1 3 Years

60,136

Total Insured Shares and Deposits > $250K (item 17 less item K)

22,857,570

Total Interest Expense (Sum of items 6 8)

45,616

Share Certificates

Number of Accounts for Share Drafts

1,532

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,920

Money Market Shares

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)

3,677,531

Total Liabilities

23,043,490

Source: NCUA — Last Updated 12/31/2025

Customer Reviews

There are no reviews for Cecil County School Employees Federal Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Cecil County School Employees Federal Credit Union

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.