Credit union · NCUA insured
City County Employees Credit Union
A $42.2M credit union headquartered in Clearwater, FL, with 3,958 members and 1 branch in Florida. Best rates: CDs 3.75% and savings 1.36% APY.
City County Employees Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#20 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About City County Employees Credit Union
Chartered in 1941 as a state-chartered credit union, City County Employees Credit Union is headquartered in Clearwater, Florida.
The institution is a member-owned non-profit cooperative organized to provide its members with low-cost financial services.
- Headquarters
- 1810 N Belcher Rd, Clearwater, FL 33765-1448
- NCUA charter
- 67323
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Pasco County is eligible for membership.
- Anyone who lives, works, or worships in Pinellas County is eligible for membership.
Employers and groups
- Members of CWA Local 3108 are eligible for membership.
- Members of Friends of the Foundation are eligible for membership.
Military, government and schools
- Employees and retirees of the City of Clearwater are eligible for membership.
- Employees and retirees of the City of Largo are eligible for membership.
3 more ways to join
Military, government and schools
- Employees and retirees of Pinellas County are eligible for membership.
- Employees and retirees of the Town of Belleair are eligible for membership.
Family and household
- Family members of eligible persons are eligible for membership.
Branches
1 branch in Florida
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Florida
1 branch
- Main OfficeMain office1810 N Belcher Rd, Clearwater, FL 33765Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.29% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.59% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.66% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio8.29%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.59%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of City County Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.