Credit Unions are not-for-profit organisations that exist to serve their members and is owned and controlled by its members. Credit Unions provide a safe place to save and borrow at reasonable rates.

Membership is open to:

• Employees of our associated companies. Please refer to FAQ #7 to view our list of associated companies
• Immediate family members of an existing member (parent, spouse, children, brother, sister)

CECU offers a wide array of financial and non-financial products and services to members such as Shares Accounts, Golden Star, Loan Products (Personal loans, Car loans and Mortgages), Medical Insurance and CUNA’s Family Indemnity Plan.

Members can use any of the following options to make contributions to their account:

• Salary deductions from their place of work
• Standing order from the bank
• Deposits over the counter
• Free direct debit service (CECU pulls funds directly from member's bank account)

Yes. Members who have retired/ resigned from their place of work can still enjoy the benefits of being a CECU member.

Members have two (2) options to access funds from their accounts:

ACH – Funds will be transferred directly to member’s bank account. Members are required to complete an ACH and Withdrawal Form and submit completed forms along with a copy of their ID and bank statement (first time ACH) to info@mycecu.com.

Cheque – Members are required to fill out a Withdrawal Form and submit the completed form along with a copy of their ID to info@mycecu.com before 12PM and can collect the cheque at 2PM on the same day.

The following is a listing of CECU's member companies:

• B.H.P. Billiton
• Babash Media & Events Ltd.
• Be Well
• Beach House Entertainment Ltd.
• Biomedical Enterprises of T&T
• C.V.A. Ltd.
• Carib Brewery Ltd.
• Carib Clean Ltd.
• Caribbean Bottlers (Trinidad & Tobago) Ltd.
• Cars (2005) Ltd.
• Creamery Novelties Ltd.
• CUNA Caribbean Insurance
• Dairy Distributions Ltd.
• Disko Mart
• Dollar Valu Supermarket
• Ecoimpact Co. Ltd.
• Egret Ltd.
• El Dovin Ltd.
• Embassy of the U.S.A.
• Food Giant Supermarket
• G4S Secure Solutions
• HADCO Ltd.
• HD Café Ltd
• Imanex Ltd.
• John Dickinson & Co. Ltd.
• Kiss Baking Co. Ltd.
• Laughlin & De Gannes
• Leon Ambrose & Co.
• Les Amantes de Jesus
• Lighthouse Ltd.
• Lorson Resources Ltd.
• Mario's Pizzeria
• M. Hamel Smith & Co.
• Market Fact & Opinion
• Massy Distribution (Trinidad) Ltd.
• Massy Energy
• Massy Finance GFC
• Massy Ltd.
• Massy Motors Ltd.
• Massy Pres-T-Con
• Massy Stores
• Massy Technologies (InfoCom)
• Mc Cann Erickson
• Melville Shipping Ltd.
• Metropolitan Networks Caribbean
• Micon Marketing Ltd.
• National Carnival Commission
• National Enterprises Ltd..
• Neville C. Pouchet Ltd.
• Nova Lighting (Trinidad)
• Patcon Ltd.
• Plantation Beach Villas
• Prism Services Trinidad Ltd.
• R.C. Archdiocese of P.O.S
• Rentokil Initial (T'dad) Ltd.
• Rotoplastics Trinidad Ltd.
• The Buzz Ltd.
• The Office Authority
• Toyota Trinidad & Tobago Ltd.
• Trinidad Systems Ltd.
• Trinidad Tissues Ltd.
• Tru Valu
• V.K. Marketing Services Ltd.
• Very Exciting Things Ltd.
• Waste Disposal Ltd.
• Z. Muzaffar (Trinidad) Ltd.

Members can sign up for online banking to view balances, request statements and update their information. To sign up for online banking, please visit this link https://mycecu.com/online-banking-application/

Once submitted before 10:30AM daily, ACH transactions take 24-48 hours to be reflected in member’s bank account. Note that ACH transactions submitted on a Friday may be reflected in the member’s bank account the following Monday.

To view all the plans and benefits of the Family Indemnity Plan (FIP) and access the enrolment form, please visit the FIP page on our website here https://mycecu.com/additional-services/fip/

For more information on the Medical Plan and access the enrolment form, please visit the CECU Care page on our website here https://mycecu.com/additional-services/cecu-care-2/

For members who are renting and are unable to obtain an authorisation letter for the proof of address, a copy of the rental agreement will be accepted. Members can also use a bank statement as a proof of address. CECU does not accept credit card statement or mobile bills as a proof of address.

Yes, once a parent is a member of the credit union they can join their child. The parent will be required to complete the membership form on behalf of the child and provide the following supporting documents:

Parent’s 2 valid forms of ID, job letter, payslip, proof of address

Child’s birth certificate

A dormant account is an account that has had no transactions or member-initiated activity for at least seven (7) consecutive years.

An account is classified as inactive where there has been no transactions or member-initiated activity for at lease two (2) consecutive years.

The requirements for reactivation are as follows:

Completed Know-Your-Customer (KYC) Form

Utility Bill (no older than 3 months) - where the bill is not in your name an authorization letter and one (1) valid ID of bill owner

Two (2) forms of valid ID

Recent Job Letter