• CECU Care Health Plan
  • Loans
  • Mortgages
  • Investments
CECU Care
Comprehensive Health Plan
CECU is pleased to offer a one of a kind affordably priced comprehensive health plan designed just for our members!

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Download CECU Care Brochure

Enrol in CECU Care
CECU Care Benefits
  • Major Medical Coverage: $300,000, $500,000 or $1,000,000
  • Ground and Air Ambulance Coverage
  • International Medical Card
  • Surgery Coverage

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CECU Care Reimbursements
  • Dental Expenses
  • Vision Expenses
  • Doctor visits
  • Prescription Drugs
  • X-rays and Lab Expenses
  • Hospital Expenses
  • Preventative Care Expenses

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Loan Types

At CECU, our loans include:

  • Car loans
  • Educational loans
  • Housing loans
  • Vacation loans
  • Life Event loans and more.

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Current Loan Offers

Check out our current loan offers:

Read more about CECU's Loan Policy.
Apply for a Loan through CECU.

 Apply for a Loan Through CECU
Mortgages

CECU can work with you to secure your home. Monthly payments are based on:

  • Mortgage amount
  • Repayment period
  • Interest rate applicable
  • Earnings/Joint Earnings and Age.

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Mortgage Types

Find out more about our:

Try our mortgage calculators:

 Try Out Our Mortgage Qualifier Calculator
Investments

CECU pursues policies that enhance
our investment management service.
We offer our members stability as we
make investments with the potential to:

  • Minimize risk, and
  • Maximize return.

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Investment Options

Find out more about our:

Contact Us for further information on these and other CECU investment options.


 Learn More About CECU Investment Options

Membership Application Form

The CECU Membership Application Form is available for download in Adobe Acrobat format.
Get Adobe Reader
Download a free version of Adobe Reader.

To join CECU, download and print a member application form and Know Your Customer Form (KYC) by clicking on the links provided below, complete the form and drop it off to CECU at #10 Victoria Avenue, Port of Spain.

Membership Application Form

Know Your Customer Form (KYC)

Mortgage Payment Calculator

What will my monthly mortgage payment be?

The mortgage calculator can help you work out how much your monthly mortgage payment will be.  All you need to do is enter:

  • The purchase price of the property
  • The % downpayment you will make
  • The mortgage term
  • The mortgage rate (e.g. 8%).

The calculator will then provide you with your monthly mortgage payment.

Please note that results are for illustration purposes only.  Actual figures may vary for individual cases and depend upon a number of assumptions and factors, which may change.

Mortgage Policy Brochure.

Income

Enter the Purchase Price of the Property (e.g. 700000):
(Do not use commas.)

$

Enter % Downpayment:
(e.g. 10) (Do not use commas.)

%

Total Mortgage Amount

$

Enter Mortgage Term in Years (e.g. 30):
(The mortgage term can be no more than 30 years.)

Yrs.

Enter Mortgage Rate %
(e.g. 8):

%

Your Monthly Mortgage Payment:

$

Mortgage Qualifier Calculator

How much of a mortgage do I qualify for?

The mortgage qualifier calculator can help you work out how much of a mortgage you qualify for.  All you need to do is enter:

  1. Gross monthly income for yourself and the joint applicant (if any)
  2. Your monthly debt/loan payments e.g. for a car or credit card
  3. The mortgage term(e.g. 10 years)**
  4. The mortgage rate (e.g. 8%)
  5. 20% of member's shares must be unencumbered.

The calculator will then provide you with the total mortgage amount for which you will qualify.

Please note that results are for illustration purposes only.  Actual figures may vary for individual cases and depend upon a number of assumptions and factors, which may change.

** CECU provides its members with short term mortgage financing for periods not exceeding ten (10) years.  Through our strategic alliances with Trinidad and Tobago Mortgage Finance (TTMF) and Home Mortgage Bank (HMB), CECU is also able to provide its members with an array of mortgage options.

Mortgage Policy Brochure.

Income

Enter Your Gross Monthly Income (before deductions e.g. 6000):
(Do not use commas.)

$

Enter Joint Applicant's (if any) Gross Monthly Income (before deductions e.g. 6000):
(Do not use commas.)

$

Total Income

$
 

Debt

Enter Monthly Car Loan Payment(s) (e.g. 1000):
(Do not use commas.)

$

Enter Monthly Credit Card Payment(s) (e.g. 1000):
(Do not use commas.)

$

Enter Any Other Monthly Loan Payment(s) (e.g. 1000):
(Do not use commas.)

$

Total Debt

$

Mortgage Terms

Enter Mortgage Term in Years (e.g. 10):
(**The mortgage term can be no more than 10 years for a CECU mortgage and no more than 30 years for a mortgage through TTMF or HMB.)

 

Enter Mortgage Rate % (e.g. 8):

%

*Mortgage Amount You Qualify For:

$

*Based on a total debt service ratio (TDSR) of 40%.

Loan Calculator

What will my repayments be?

The loan calculator can help you work out your loan repayments. All you need to do is enter:

  • The amount you wish to borrow
  • The repayment frequency
  • The interest rate (12%)

The calculator will then give you your first monthly installment.

Please note that results are for illustration purposes only. Actual figures may vary for individual cases and depend upon a number of assumptions and factors, which may change.

Enter Loan Amount (e.g. 10000)
(Please do not use commas.)

 $

Enter Loan Term in Years (e.g. 5)
(The loan term can be no more than 5 years)

Enter Interest Rate % (e.g. 12%)

 % 

Your Monthly Installment:

$