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 City County Employees Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: October 30, 2026
City County Employees Credit Union's Regular CD - 12 month rates are at 3.75%, Regular CD - 6 month rates are at 3.70%, Regular CD - 24 month rates are at 3.50%, Regular CD - 36 month rates are at 3.25%, Regular CD - 60 month rates are at 3.04%. City County Employees Credit Union's savings rates are at 0.50%. City County Employees Credit Union's money market rates are at 2.22%. City County Employees Credit Union's checking rates are as high as 0.05%. City County Employees Credit Union's Personal Loan Rates are as low as 9.95%. City County Employees Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of City County Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.92%. Rates last updated and verified on 10/30/2026. City County Employees 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 City County Employees Credit Union? Share your experience about City County Employees Credit Union by leaving a review below, or read customer reviews before you decide to use City County Employees Credit Union. City County Employees Credit Union
MAIN OFFICE 1810 N Belcher Rd
https://www.ccecu.org Clearwater, FL 33765-1448  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. City County Employees Credit Union CD Rates
City County Employees Credit Union Savings Rates
City County Employees Credit Union Money Market Rates
City County Employees Credit Union Checking Rates
City County Employees Credit Union Home Equity & HELOC
City County Employees Credit Union Auto Loan Rates
City County Employees Credit Union RV, Boat and Powersport Loan Rates
City County Employees Credit Union Personal Loan Rates
City County Employees Credit Union Other Rates
Financial Health HistoryCity County Employees Credit Union’s Texas Ratio fell from 11.55% in Q3 2023 to 3.92% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for City County Employees 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 City County Employees 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 City County Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
City County Employees Credit Union
Website
https://www.ccecu.org
Address
1810 N Belcher Rd,
Clearwater, FL 33765-1448
Phone
727-442-7746
Fax
727-449-1637
President
James Mehr Sr.
CEO
Lois Blithe
Full-Time Employees
8
Part-Time Employees
1
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.92%
Return on Assets (ROA)
0.3268%
Return on Equity (ROE)
3.9437%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
42,459,259
Total Amount of Shares and Deposits
39,198,054
Total Shares and Deposits < 1 Year
38,603,981
Total Shares and Deposits 1 3 Years
590,105
Total Shares and Deposits > 3 Years
3,967
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,940,895
Total Uninsured Shares and Deposits > $250K (F+J)
3,940,895
Total Insured Shares and Deposits > $250K (item 17 less item K)
35,257,159
Total Interest Expense (Sum of items 6 8)
250,994
Share Certificates
299
Number of Accounts for Share Drafts
1,881
IRA KEOGH Accounts
54
Number of Accounts for Regular Shares
3,544
All other shares
332
Money Market Shares
30
Net Income (unless the amount is already included in Undivided Earnings)
138,777
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)
3,304,368
Total Liabilities
38,940,261
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About City County Employees Credit UnionDoes City County Employees Credit Union offer CDs?Yes. City County Employees Credit Union current CD rates include its Regular CD - 12 month at 3.75% APY, its Regular CD - 6 month at 3.70% APY and its Regular CD - 24 month at 3.50% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from City County Employees Credit Union NCUA insured?Yes. City County Employees Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at City County Employees Credit Union?The highest City County Employees Credit Union CD rate is its IRA CD - 12 month at 3.75% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does City County Employees Credit Union offer?City County Employees Credit Union CD rates are 3.70% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.50% APY for a 2 year CD, 3.25% APY for a 3 year CD and 3.04% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with City County Employees Credit Union for its full lineup. What is the highest savings rate at City County Employees Credit Union?The highest City County Employees Credit Union savings rate is its Lighthouse Savings at 0.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at City County Employees Credit Union?The highest City County Employees Credit Union money market rate is its Money Market Accounts at 2.224% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at City County Employees Credit Union?The highest City County Employees Credit Union checking rate is its Prime Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at City County Employees Credit Union?The lowest City County Employees Credit Union auto loan rate is its Auto Loan - New & Used (2025-2026) at 4.70% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at City County Employees Credit Union?The lowest City County Employees Credit Union personal loan rate is its Personal Loans at 9.95% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does City County Employees Credit Union operate?City County Employees 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 City County Employees Credit Union?Yes, to access services at City County Employees 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, City County Employees 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, City County Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does City County Employees Credit Union offer online and mobile banking?Most modern institutions like City County Employees 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.ccecu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do City County Employees Credit Union rates compare?City County Employees Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. City County Employees Credit Union's top rates are its IRA CD - 12 month at 3.75% APY, its Lighthouse Savings at 0.50% APY, its Money Market Accounts at 2.224% APY, its Prime Checking at 0.05% APY and its Personal Loans at 9.95% APR, verified by MonitorBankRates on October 30, 2026. Current City County Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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