Accounts

Savings

Whether you just need a place to stash your cash for the short term or you’re looking for long-term investment vehicles, our savings account has what you need. Our savings pay a higher rate than the area market rates pay for regular savings. You can access it with your Debit/ATM card. You can use it for overdraft protection on your checking account. You can make transfers into and out of it using Tellerline, our 24 hour audio response system or on-line using cecuonline.com.

Free Checking

CECU checking is free and loaded with features to help make your life easier. A checking account from your City Employees Credit Union offers you the savings and convenience you want to manage your personal day-to-day finances.

-No Monthly Service Fees
-No Minimum Balance Required
-Earn above market interest on balances
-Free Unlimited check writing
-Free Visa Debit and ATM card
-Free Online Bill Pay
-Free Online Account Access 

Free Online Check Images
-Free Access to thousands of ATMs in the U S
-Free Overdraft Protection
-Free Direct Deposit
-Free Box of Checks annually for our 55+ seniors
-Courtesy Overdraft for members that qualify

We offer overdraft protection to protect you from NSF charges. You can use your other savings accounts and/or a line of credit loan. If a check is going to overdraft our system will withdraw the needed funds from your savings or add the needed amount to your line of credit balance. This protects you from fees and embarrassment. For those who qualify, we offer a Courtesy Overdraft program to offer you extra protection from bounced checks at cost below those at check cashing businesses.

If your Debit/ATM card is lost or stolen you now need to call (888) 918-7889

Certificates

Certificates from City Employees Credit Union are an excellent investment opportunity if you do not need immediate access to your funds and want to invest for longer periods to obtain high rates of return. Minimum deposit requirement is $2500. The Certificates pay monthly interest. This allows your interest to compound and increases your yield.

Current Rates

Money Market Savings

Our Money Market account is an excellent way to maximize your dividends on deposits you wish to keep more liquid than Certificates. There is no minimum balance and the dividend increases for balances kept above $25,000. Only three (3) withdrawals per calendar month are allowed from the money market accounts. An initial $500.00 deposit is required to open a money market account.

Current Rates

IRAs

Start planning for your retirement today by opening an IRA account at City Employees Credit Union. With outstanding rates and funds that grow tax deferred year after year, an IRA account is an important part of your long-term savings portfolio. A Traditional IRA offers tax-deferred earnings and the possibility of tax deductible contributions. A Roth IRA is funded by non-deductible contributions but gives owners the opportunity for tax-free withdrawals. New in 2002, an Education IRA enables parents and others to deposit $2000 per year to be used for educational purposes. Earnings grow tax-free if you meet the income requirements.

Current Rates

Club Accounts

We offer two types of club accounts, Vacation and Christmas. These accounts are designed to allow you to make deposits each month to save for vacation or Christmas. Both clubs pay a higher than market dividend. The Vacation Club pays out on March 31 and the Christmas Club pays out on September 30.

Dedicated Savings

Use savings accounts geared toward your individual goals. Dedicated savings accounts can be used for situations such as saving for your child’s education, paying your property taxes and insurance, or any other future expense.

Youth Programs

For fun games plus savings and financial tips for kids of all ages, check out this credit union educational site at pocket cents.

Teach your children the value of saving! CECU wants to help our young members to understand the time value of money, and to help families and individuals plan for important expenditures in the future.

The credit union also helps to get young people started with savings accounts and as they get older their first checking account and debit/atm cards. We also have a credit starter program for when they start their career and need a way to establish credit in a very inexpensive way.

Graduating High School Seniors are allowed to apply for the annual $2000 college scholarship.

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