The 12-12-12 Holiday Loan
Borrow $1,200 for the holidays, pay it back over 12 months, at a rate no higher than 12% APR*. Shop, travel and celebrate without the credit card stress.
Cash
Term
Less
Need breathing room this holiday? Skip a loan payment.
Skip one month of loan payments for just $30 per loan. Conditions apply.
Featured Rates
View All RatesOur Services
Here to help you with all your financial needs and goals. From easy to access savings and checking, to competitive loan rates, and inclusive member services, we’ve got you covered!
Become a Member
Becoming a member of CECU is very simple. If you are in one of our Select Employee Groups (SEG), or work or live in Houston County, then all it takes is a minimum deposit of $5.00 to a share savings account. That’s it! Once you are a member you can immediately apply for any other services that we offer.
Apply for a Loan
CECU wants to be your lender of choice when you need to borrow funds. We are very competitive in the market place with our rates and stand eager to lend. Simply sign up for a membership, become a member, and apply for a loan! It’s that easy!
Red, White, & Blue Checking
Enjoy a feature-packed checking account with added benefits designed to protect your finances and simplify everyday banking.
More Than a Bank. We’re Your Financial Partner.
Serving Members Since 1969
- Member-Owned (you’re not a number)
- Better Rates (higher savings, lower loans)
- Community-Focused (serving Houston County)
Financial Resources & Tips
Supporting our members with educational articles, helpful tips, and current financial news.
What Goes Into a Credit Score? The 5 Factors That Actually Matter
Your credit score is built from five ingredients. Payment history and credit-card utilization do most of the work. Here is how each factor is weighted — and which habits move the number
How to Talk to Your Kids About Money
How to Talk to Your Kids About Money Money is often at the center of life’s biggest decisions, and sometimes its biggest disagreements. That’s why one of the greatest gifts parents can give their children is the confidence to understand and manage money early in life. The good news? Teaching kids about money doesn’t have […]
Can You Spot the Signs of Elder Abuse
Protecting Our Seniors: Recognizing and Preventing Elder Financial Abuse As we age, we gain valuable life experience, wisdom, and knowledge. Unfortunately, older adults are also increasingly targeted by scammers, fraudsters, and even individuals they know and trust. Elder financial abuse is one of the fastest-growing forms of exploitation in the United States, costing seniors billions […]
Ready to Experience the CECU Difference?
Whether you’re opening your first account, financing a new vehicle, or planning for the future, Combined Employees Credit Union is here to help. Enjoy competitive products, local decision-making, and the personal service you deserve.