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First Financial Federal Credit Union announced Thursday it will merge with Cecil County School Employees’ Federal Credit Union (CCSEFCU), following CCSEFCU members’ approval of the agreement on Dec. 3. The merger will bring CCSEFCU’s Elkton, Md.-based membership, primarily employees of Cecil County Public Schools and local education and healthcare organizations, into one of Maryland’s largest education-focused credit unions with $1.5 billion in assets and serving roughly 80,000 members.
CCSEFCU Board Chair James Raab said the partnership will greatly expand resources available to members, noting First Financial’s broader product suite, digital services and financial wellness programs. With the merger, First Financial adds a sixth county school system to its field of membership and strengthens its presence in Maryland’s education and healthcare sectors, which already include more than 30 hospital partners and over 175 employer groups.
First Financial President James Wheeler called the decision a vote of confidence in the credit union’s long-term vision. “We look forward to bringing the benefits and value of First Financial membership to their members and are excited to be a part of the Cecil County community,” Wheeler said.
The CCSEFCU branch located on the Cecil County Board of Education campus will remain open, with the full legal merger and systems conversion scheduled for Feb. 1, 2026.
First Financial serves school systems across Baltimore, Carroll, Accomack, Somerset and Worcester counties, in addition to a large network of community partners.
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