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Cecil County School Employees

203 BOOTH STREET, Elkton, MD 21921
NCUA Insured3.9 (12 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

203 BOOTH STREET

Elkton, MD 21921

Service Area

This credit union is located in Elkton and serves members in the MD area. Currently serving 2,497 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.11%

Used Auto Loan

5.70%

Personal Loan

13.23%

Credit Card APR

9.41%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MD

Lowest rates currently reported by credit unions in MD (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

3.9

12 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Lydia Whiteley

Lydia Whiteley

a year ago

I had a loan with CCSEFCU years ago and they were great. I needed another car loan and was hoping to go with this credit union. I applied for a loan in Sept and they called to inform me I was pre-approved a few days later and would receive an email which I never received. I told them when they called that I would be purchasing a vehicle from an out of state dealer and was informed that it would not be a problem. A few weeks later I found a vehicle that I wanted to purchase and called the credit union on Friday the 25th. I left several messages and did not receive a call back. I called on Monday morning and spoke with Maranda. Over the course of 3 days and multiple phone calls I felt like I was not getting anywhere with the loan despite me and the dealership attempting to contact CCSEFCU and providing more and more information to them. On Thursday at 1pm I spoke with Deb and asked if they had received a fax with more information that they had requested. Deb informed me that the fax had been received and Maranda was "assisting an existing customer and she will deal with you once she has lunch". I was shocked at Deb's level of undisguised rudeness but thought maybe I was interpreting her tone the wrong way. By 4:10 pm I decided to go with another bank as this credit union closes at 4:30 and I realized the chances of me receiving a call back prior to closing were slim. I called to let them know that I no longer needed the loan. The bank I ended up using had the loan taken care of in less than 2 hours without pre-approval and I was driving my new vehicle the next day!

Melanie Huse

Melanie Huse

a year ago

I love CCSEFCU and I tell everybody that! They come through for me every time I need them for an auto loan or personal loan. Their credit card and loan rates can't be beat! The customer service is great from the tellers to the loan manager. I'm truly grateful to be a member of this credit union!

Angel Lopez

Angel Lopez

4 months ago

This bank is the worst of worst don't use this organization go different they don't work with people they just still people money I had really bad experience I hope other people don't have to what I went with this bank

Robert Stephen Wallace, II

Robert Stephen Wallace, II

3 years ago

This is my bank. LOVE it - rate it 5-stars ⭐⭐⭐⭐⭐. Cordial tellers and president who went out of their way when my account was hacked. They set up everything for me, and I just signed. New checks and log-in style. The Fraud department is on top of things and sends red flags expeditiously. 🙂

Big D

Big D

a year ago

Caring, Professional, Compassion. ❤❤❤ keep up the good work. They explain your situation very clear, no rudeness etc. ❤

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).