Absolutely. Both organizations are in favor of this merger and share a strong value-based culture that will create a better, more resourceful organization that can effectively compete, develop new products and services, expand access and ease of doing business, and give back to our members and the communities we serve.

The resulting credit union will operate under the First Financial of Maryland Federal Credit Union name and brand.

The Board of Directors of Cecil County School Employees’ Federal Credit Union have called a special meeting of the members of this credit union at Cecil County Public School Board of Education Building 201 Booth Street, Elkton, MD 21921 on December 3, 2025, at 4:30pm to vote on the merger.

Ballots and the special meeting notice will be mailed by CU Ballot to Cecil County School Employees’ members on October 8, 2025. To be counted, your Ballot must be received by December 3, 2025, by 4:30pm.

All individual (non-business) primary members over 18 who were in good standing as of September 30, 2025 are eligible to vote.

Members who join Cecil County School Employees’ FCU during the election period and joint owners are not eligible.

All eligible members will receive a ballot in the mail.

You can visit ccsefcu.cuballot.com to vote online. You will need your election ID or Member Number and last four digits of your Social Security Number to access the ballot.

You can also contact Cecil County School Employees’ FCU at 410-398-6921 for more information on how to obtain a ballot.

Members will benefit from this new relationship by having access to a complete line of products and services, many of which you do not have available today. These products and services include:

• Online and mobile banking services which will allow members to conduct their financial transactions from anywhere in the world
• Access to checking accounts, debit cards, and cashback reward credit cards
• Access to various loan products including mortgages, auto loans, personal loans and more
• Access to the Allpoint ATM Network, giving members access to over 55,000 ATMs nationwide
• A dedicated Loan Call Center and Member Service Center
• Access to First Financial of Maryland Federal Credit Union’s strong community engagement and financial education resources

You would continue to be a member of the combined credit union.

If the merger is approved, Cecil County School Employees’ FCU will begin the conversion process to First Financial of Maryland Federal Credit Union. The actual conversion will occur on February 1, 2026, when all Cecil County School Employees’ members will have access to their First Financial accounts and their services.

First Financial will begin sending communications to members regarding their new First Financial accounts and what they can expect during the conversion immediately following the special meeting and vote. A new member welcome letter will be sent to all members which will include their new First Financial account number and instructions on how to access their accounts.

Yes, all First Financial accounts are federally insured by the National Credit Union Administration (NCUA).

Yes. The branch location will remain open at the same hours.

No. The same friendly branch staff you know will remain.

First Financial was founded in 1953 by a group of public-school teachers. Over the last 70 years, they have grown to serve the employees, students, and parents of the Baltimore, Carroll, Somerset, and Worcester County Public School systems. They also serve several local area hospitals, including Sinai, University of Maryland St. Joseph Medical Center, and MedStar Franklin Square, numerous healthcare facilities and many private schools, colleges, and businesses.

First Financial strives to offer the best financial products and services to meet the diverse needs of their members and help them live better every day. They give back to their community, through countless volunteer hours and millions of dollars in grants, scholarships, and donations to those they serve.