Combined Employees Credit Union
Headquarters
593 Russell Pkwy
Warner Robins, GA 31088
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2024 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 $15.65 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60825 |
| Date Established | 1969 |
| Assets | $15.65 million |
| Loans | $12.69 million |
| Deposits | $14.22 million |
| Capital | $1.43 million |
Deposit Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.35% | $2,500 | $4,999 |
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|
|
Money Market
|
0.55% | $2,500 | $2,999 |
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|
|
Money Market
|
0.60% | $10,000 | $14,999 |
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|
|
Money Market
|
0.65% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
Loan Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.787% | 6.750% | 0.38 | $1,203 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 1907 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Combined Employees
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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:
Columbus,Ohio
Climate Policy and Initiatives
COMBINED EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 2.65% | 6.97 |
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, 2023, Combined Employees had $32,761 in non-current loans and $5,500 in owned assets. To cover these potential losses it had $1,432,896 in net worth and $11,079 in loans loss reserves. That gives it a Texas Ratio of 2.65%.
Net Worth
| Combined Employees | U.S. Average |
|---|---|
| 9.13% | 13.62% |
Combined Employees FCU has a net worth of 9.13% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Combined Employees
Robert Glore
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.
Is this review helpful? Yes:0 / No: 0
Robert Glore
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.
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Robert Glore
July 17, 2019 |
Not at this time
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Robert Glore
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.
Is this review helpful? Yes:0 / No: 0
Robert Glore
July 17, 2019 |
593 Russell Parkway
Warner Robins GA 31088
Is this review helpful? Yes:0 / No: 0
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