Combined Employees Credit Union is a not-for-profit financial cooperative. That means when you join CECU you are more than just a member, you become an owner! And ownership can have lifelong benefits. Our existence is solely for your benefit. Our earnings are returned to our members in many forms. Higher savings rates help your savings to earn more for you. Lower interest rates on loans help you pay less when you have to borrow. Some earning are reinvested into our credit union so that we can provide improved financial products and services to you.