No stored Google rating available.
City-County Employees Credit Union is a member-owned financial cooperative in Clearwater, FL offering checking, savings, loans, and credit cards to credit union members.
Data compiled from public sources
City-County Employees Credit Union (CCECU) is a not-for-profit, member-owned credit union based in Clearwater, Florida. The organization operates under NCUA insurance and maintains a routing number (263177712) for standard banking operations. CCECU serves its members by positioning itself as a financial institution dedicated to improving members' financial positions through quality products and rate claims to verify.
The credit union offers a comprehensive range of deposit and lending products. On the deposit side, members can access share accounts, share draft (checking), money market accounts, club accounts, and certificates of deposit. For borrowing, CCECU provides auto loans (including marine and motorcycle financing), personal loans, home equity loans, first mortgages, watercraft loans, and VISA credit cards. Additional services include online banking, mobile banking, bill pay, Zelle transfers, debit cards, and shared branching access.
CCECU distinguishes itself through several specific features: a dedicated vehicle finder tool for members shopping for autos, boats, RVs, motorcycles, and powersports; exclusive TruStage life insurance offerings for members; credit monitoring through Credit Sense; and loan protection products including guaranteed asset protection and mechanical repair coverage. The credit union emphasizes member education through financial literacy resources and maintains 24-hour telephone banking access.
As a credit union, CCECU operates on a not-for-profit model returning value to member-owners rather than external shareholders. However, the website provides limited transparency regarding membership eligibility requirements, specific rate competitiveness data, or detailed fee structures beyond referencing a fee schedule document. The organization appears to serve a general membership base from the Clearwater area rather than exclusively serving employees of a specific city or county entity despite its name.
This is state-level context for Credit Unions consumers in Clearwater, FL. It does not confirm that City-County Employees or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
City-County Employees offers 18 services including Share accounts (savings), Share draft accounts (checking), Money market accounts, Certificates of deposit, Club savings accounts, and 13 more.
City-County Employees has profile signals associated with Members seeking comprehensive auto and vehicle financing with integrated shopping tools, Credit union members in the Clearwater, Florida area wanting local financial services, Individuals interested in bundled financial products (checking, savings, loans, credit cards) under a member-owned cooperative structure.
Key strengths: 24-hour telephone banking access (727-447-1076) for member convenience; Comprehensive vehicle financing options including autos, boats, motorcycles, RVs, golf carts, and powersports through integrated Find a Vehicle tool; Exclusive TruStage life insurance plans available to credit union members with rate claims to verify. Areas to consider: Website does not clearly specify membership eligibility criteria or whether organization is open to general public membership; Limited transparency on competitive rate positioning—no specific APR or comparison data provided on website.
In the Credit Unions category, comparable providers include Adventhealth, Calhoun Liberty, Champions First. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
CCECU is profile signals for credit union members in the Clearwater area seeking a full-service financial institution with competitive lending products, particularly those interested in vehicle financing and member-owned cooperative benefits. Primary caveat: membership eligibility requirements are not clearly stated on the website, and the organization's actual service area and eligibility beyond the stated name are unclear.
AdventHealth Credit Union is a member-owned financial institution offering savings accounts, CDs, credit cards, auto loans, and home equity lines of credit to eligible members.
Profile signals: AdventHealth employees and healthcare system affiliates seeking member-owned banking, Individuals prioritizing biometric security and mobile-first banking convenience
Member-owned credit union serving six Florida counties since 1957, offering checking, savings, loans, mortgages, and CDs with rate claims to verify and higher dividends than traditional banks.
Profile signals: Residents and employees of Calhoun, Franklin, Gulf, Gadsden, Jackson, and Liberty counties in Florida seeking member-owned financial institution benefits, Homebuyers in the service area looking for competitive mortgage rates and personalized loan underwriting
Champions First is a member-owned credit union offering auto loans, share accounts, digital banking, and HELOCs with a focus on personalized member service and rate claims to verify.
Profile signals: Auto loan borrowers seeking rate claims to verify and streamlined electronic processing, FSU students and affiliated communities looking for credit union membership and financial products
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to City-County Employees and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.