Credit union · NCUA insured
Combined Employees Credit Union
Top CarrotA $18M credit union headquartered in Warner Robins, GA, with 2,685 members and 1 branch in Georgia. Best rates: CDs 3.75% and savings 0.65% APY.
Combined Employees Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#3 of 9 in Warner Robins, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Combined Employees Credit Union
Combined Employees Credit Union has been serving members since 1969 and is located in Warner Robins, Georgia.
The member-owned credit union focuses on serving Houston County.
- Headquarters
- 593 Russell Pkwy, Warner Robins, GA 31088
- NCUA charter
- 60825
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who work or live in Houston County are eligible for membership.
Employers and groups
- Individuals in one of CECU's Select Employee Groups (SEG) are eligible for membership.
Cost to join
- Membership requires a minimum deposit of $5.00 to a share savings account.
Branches
1 branch in Georgia
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Georgia
1 branch
- Combined Employees Credit UnionMain office593 Russell Pkwy, Warner Robins, GA 31088Directions
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 | 8.39% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.05% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.71% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $81 | $59 | — |
- CapitalNet worth ratio8.39%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.05%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.71%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$81Peers’ 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 Combined 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.