Combined Employees

Headquarters

593 Russell Pkwy
Warner Robins, GA 31088
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.35% 0.65% →
1-Year CD 0.80% 0.70% →
2-Year CD 0.90% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Combined Employees is an NCUA insured institution located in Warner Robins, GA. It was founded in 1969 and has approximately $11.84 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 60825
Date Established 1969
Assets $11.84 million
Loans $9.03 million
Deposits $10.69 million
Capital $1.14 million
 

Deposit Rates - June 22, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.35% $2,500 $4,999 Learn More
Money Market
0.55% $2,500 $2,999 Learn More
Money Market
0.60% $10,000 $14,999 Learn More
Money Market
0.65% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.75% $10,000 $14,999 Learn More
6 Mo CD
0.75% $100,000 $199,999 Learn More
12 Mo CD
0.80% $10,000 $14,999 Learn More
12 Mo CD
0.80% $100,000 $199,999 Learn More
18 Mo CD
0.85% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
Special: 24 Mo CD
0.85% $500 - Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
0.95% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More

Loan Rates - June 22, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for COMBINED EMPLOYEES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PADDIO
NMLS ID: 1907
2.836% 2.750% 0.13 $2,812 $1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to COMBINED EMPLOYEES
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Combined Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Combined Employees Locations


Financial Details

Combined Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Combined Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Combined Employees U.S. Average
2.22% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Combined Employees had $20,194 in non-current loans and $5,500 in owned assets. To cover these potential losses it had $1,139,686 in net worth and $18,487 in loans loss reserves. That gives it a Texas Ratio of 2.22%.

Net Worth
Combined Employees U.S. Average
9.62% 12.67%

Combined Employees FCU has a net worth of 9.62% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Combined Employees

Branches and Savings

What is Combined Employees?

A credit union, registered with the NCUA under certificate #60825.
Learn more about credit unions here.

Robert Glore | Jul 17, 2019

Actually, Combined Employees Credit Union is a State Chartered Credit Union, not a Federal Credit Union (FCU)

Is Combined Employees FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Combined Employees is insured by the NCUA.

Who can join Combined Employees?

Please see Field of Membership information above for information on who is eligible to join.

What are Combined Employees's share account and share certificate rates?

Combined Employees's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Combined Employees?

Combined Employees has total capital of $1.14 million. Full information on Combined Employees's financial position is located above.

Who owns Combined Employees?

Credit Unions are owned by their members.

Where are Combined Employees branches located?

See branch locations nearby.

Are Combined Employees ATMs Open 24/7?

Robert Glore | Jul 17, 2019

Combined ECU does not currently have any ATMs

Do Combined Employees ATMs accept cash deposits?

Can Combined Employees customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Combined Employees have a mobile app?

Robert Glore | Jul 17, 2019

Combined ECU does not have a mobile app.

Does Combined Employees have mobile deposit?

Robert Glore | Jul 17, 2019

Combined ECU does not accept mobile deposits.

Does Combined Employees have quick pay?

Robert Glore | Jul 17, 2019

Combined ECU does not have Quick Pay

How can Combined Employees transfer money to other banks or credit unions?

Robert Glore | Jul 17, 2019

Combined ECU can do wire transfers or Same Day ACH transfers.

Does Combined Employees report to credit bureaus?

Robert Glore | Jul 17, 2019

Combined ECU reports to all three credit bureaus.

Does Combined Employees use Chexsystems?

Robert Glore | Jul 17, 2019

Combined ECU does not have any share draft (checking) accounts and does not use Chexsystems at this time.

Does Combined Employees use Equifax?

Robert Glore | Jul 17, 2019

The primary credit bureau pulled by Combined ECU is through TU. But CECU does have the ability to pull Equifax reports if needed.

What is Combined Employees's toll free phone number?

Robert Glore | Jul 17, 2019

CECU Does not have a toll free number as we are a local credit union. The direct phone number is (478) 929-5700.

What is Combined Employees's ACH Routing Number?

Robert Glore | Jul 17, 2019

261173433

What is Combined Employees's SWIFT code?

Where can I find Combined Employees's wire transfer form?

Robert Glore | Jul 17, 2019

On their web-site under the services tab http://www.combinedecu.com/pages/services-index.php

What is the Combined Employees address for deposits?

Robert Glore | Jul 17, 2019

593 Russell Parkway Warner Robins GA 31088

What Products Does Combined Employees Offer

Does Combined Employees offer mortgages?

Compare mortgage rates here.

Robert Glore | Jul 17, 2019

CECU does have access to mortgage loans through a 3rd party provider for members of the credit union. Substantial savings can be derived from specific exclusions to normal closing costs.

Does Combined Employees offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Robert Glore | Jul 17, 2019

Not at this time

Does Combined Employees offer auto and RV loans?

Compare auto loan rates here.

Robert Glore | Jul 17, 2019

Yes, CECU is a major competitor in the market for these types of loans. Rates are always very competitive in the market.

Does Combined Employees offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Combined Employees


  • July 17, 2019 |

    CECU is the best kept secret in the Middle Georgia area! In 2019, CECU will be celebrating their 50th year in business! The credit union is not open to the general public. Their composition of members include the brotherhood and sisterhood of First Responders (Police, Sheriff, Fire, Medical, and 911 Operators). Employees of the local municipalities are eligible to join CECU as well.

  • July 17, 2019 |

    Yes, CECU is a major competitor in the market for these types of loans. Rates are always very competitive in the market.

  • July 17, 2019 |

    Not at this time

  • July 17, 2019 |

    CECU does have access to mortgage loans through a 3rd party provider for members of the credit union. Substantial savings can be derived from specific exclusions to normal closing costs.

  • July 17, 2019 |

    593 Russell Parkway
    Warner Robins GA 31088

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