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CME Federal Credit Union

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CME Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at CME Federal Credit Union?

Current rates for CME Federal Credit Union include: 12-Month CD: 3.80%, 24-Month CD: 3.91%, 60-Month CD: 4.04%, Savings: 2.75%, MMA: 1.81%

Q: What CD terms does CME Federal Credit Union offer?

CME Federal Credit Union CD rates are 3.80% APY for a 12 month CD, 3.95% APY for a 15 month CD, 4.01% APY for a 2 year CD, 4.09% APY for a 3 year CD, 4.10% APY for a 4 year CD and 4.14% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with CME Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

CME Federal Credit Union's CD - 60 month rates are at 4.14%, CD - 48 month rates are at 4.10%, CD - 36 month rates are at 4.09%, CD - 24 month rates are at 4.01%, CD - 15 month rates are at 3.95%. CME Federal Credit Union's savings rates are at 2.75%. CME Federal Credit Union's money market rates are at 1.81%. CME Federal Credit Union's Mortgage Loan - 7-year Fixed rates are at 5.00%, Mortgage Loan - 10-year Fixed rates are at 5.40%, Mortgage Loan - 30-year 5/1 ARM (2.a) rates are at 5.35%, Mortgage Loan - 30-year 7/1 ARM (2.b) rates are at 5.60%, Mortgage Loan - Non-Owner Occupied 15-year 5/1 ARM rates are at 6.75%. CME Federal Credit Union's Personal Loan Rates are as low as 11.00%. CME Federal Credit Union's Credit Card Rates are at 10.95%. CME Federal Credit Union's CD rates are 40% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of CME Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.42%. Rates last updated and verified on 10/28/2026.

CME Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CME Federal Credit Union? Share your experience about CME Federal Credit Union by leaving a review below, or read customer reviews before you decide to use CME Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.42%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

CME Federal Credit Union
Corporate Office

150 E Mound St
Columbus, OH 43215

https://www.cmefcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

CME Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 60 month	4.06%	4.14%	60 months
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.79% → 4.14% ▲ 0.35 pts · high 4.14% / low 3.79% Oct 23, 20264.14%▲ from 3.79% Sep 25, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 48 month	4.02%	4.10%	48 months
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.76% → 4.10% ▲ 0.34 pts · high 4.10% / low 3.76% Oct 23, 20264.10%▲ from 3.76% Sep 25, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 36 month	4.02%	4.09%	36 months
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.82% → 4.09% ▲ 0.27 pts · high 4.09% / low 3.82% Oct 23, 20264.09%▲ from 3.82% Sep 25, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 60 month	3.97%	4.04%	60 months
Min Balance $500 Details Balance: $500 - $14,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.69% → 4.04% ▲ 0.35 pts · high 4.04% / low 3.69% Oct 23, 20264.04%▲ from 3.69% Sep 25, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 60 month	3.97%	4.04%	60 months
Min Balance $15,000 Details Balance: $15,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79% Oct 23, 20264.04%▲ from 3.79% Sep 25, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 24 month	3.94%	4.01%	24 months
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.88% → 4.01% ▲ 0.13 pts · high 4.01% / low 3.88% Oct 23, 20264.01%▲ from 3.88% Sep 25, 20263.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 48 month	3.93%	4.00%	48 months
Min Balance $500 Details Balance: $500 - $14,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.66% → 4.00% ▲ 0.34 pts · high 4.00% / low 3.66% Oct 23, 20264.00%▲ from 3.66% Sep 25, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 48 month	3.93%	4.00%	48 months
Min Balance $15,000 Details Balance: $15,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.76% → 4.00% ▲ 0.24 pts · high 4.00% / low 3.76% Oct 23, 20264.00%▲ from 3.76% Sep 25, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 36 month	3.92%	3.99%	36 months
Min Balance $500 Details Balance: $500 - $14,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.72% → 3.99% ▲ 0.27 pts · high 3.99% / low 3.72% Oct 23, 20263.99%▲ from 3.72% Sep 25, 20263.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 36 month	3.92%	3.99%	36 months
Min Balance $15,000 Details Balance: $15,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.82% → 3.99% ▲ 0.17 pts · high 3.99% / low 3.82% Oct 23, 20263.99%▲ from 3.82% Sep 25, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 15 month	3.88%	3.95%	15 months
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.81% → 3.95% ▲ 0.14 pts · high 3.95% / low 3.81% Oct 23, 20263.95%▲ from 3.81% Sep 25, 20263.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 24 month	3.84%	3.91%	24 months
Min Balance $500 Details Balance: $500 - $14,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.78% → 3.91% ▲ 0.13 pts · high 3.91% / low 3.78% Oct 23, 20263.91%▲ from 3.78% Sep 25, 20263.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 24 month	3.84%	3.91%	24 months
Min Balance $15,000 Details Balance: $15,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.88% → 3.91% ▲ 0.03 pts · high 3.91% / low 3.88% Oct 23, 20263.91%▲ from 3.88% Sep 25, 20263.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 12 month	3.83%	3.90%	12 months
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.79% → 3.90% ▲ 0.11 pts · high 3.90% / low 3.79% Oct 23, 20263.90%▲ from 3.79% Sep 25, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 15 month	3.78%	3.85%	15 months
Min Balance $500 Details Balance: $500 - $14,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.71% → 3.85% ▲ 0.14 pts · high 3.85% / low 3.71% Oct 23, 20263.85%▲ from 3.71% Sep 25, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 15 month	3.78%	3.85%	15 months
Min Balance $15,000 Details Balance: $15,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.81% → 3.85% ▲ 0.04 pts · high 3.85% / low 3.81% Oct 23, 20263.85%▲ from 3.81% Sep 25, 20263.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 9 month	3.76%	3.83%	9 months
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.76% → 3.83% ▲ 0.07 pts · high 3.83% / low 3.76% Oct 23, 20263.83%▲ from 3.76% Sep 25, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 12 month	3.74%	3.80%	12 months
Min Balance $500 Details Balance: $500 - $14,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.69% → 3.80% ▲ 0.11 pts · high 3.80% / low 3.69% Oct 23, 20263.80%▲ from 3.69% Sep 25, 20263.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 12 month	3.74%	3.80%	12 months
Min Balance $15,000 Details Balance: $15,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.79% → 3.80% ▲ 0.01 pts · high 3.80% / low 3.79% Oct 23, 20263.80%▲ from 3.79% Sep 25, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 9 month	3.67%	3.73%	9 months
Min Balance $500 Details Balance: $500 - $14,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.66% → 3.73% ▲ 0.07 pts · high 3.73% / low 3.66% Oct 23, 20263.73%▲ from 3.66% Sep 25, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 9 month	3.67%	3.73%	9 months
Min Balance $15,000 Details Balance: $15,000 - $74,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.76% → 3.73% ▼ 0.03 pts · high 3.76% / low 3.73% Oct 23, 20263.73%▼ from 3.76% Sep 25, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 6 month	3.66%	3.72%	6 months
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.72% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 6 month	3.56%	3.62%	6 months
Min Balance $500 Details Balance: $500 - $14,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.62% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 6 month	3.56%	3.62%	6 months
Min Balance $15,000 Details Balance: $15,000 - $74,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.62% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 3 month	3.08%	3.12%	3 months
Min Balance $75,000 Details Balance: Over $75,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 3 month	2.98%	3.02%	3 months
Min Balance $500 Details Balance: $500 - $14,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Share Certificate - 3 month	2.98%	3.02%	3 months
Min Balance $15,000 Details Balance: $15,000 - $74,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	2.72%	2.75%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
High Yield Savings	1.24%	1.25%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Health Savings Account	0.90%	0.90%
Min Balance $25,000 Details Balance: Over $25,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Health Savings Account	0.75%	0.75%
Min Balance $15,000 Details Balance: $15,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
High Yield Savings	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Health Savings Account	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000 - $14,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Health Savings Account	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Holiday Club	0.10%	0.10%
Min Balance $50 Details Balance: $50 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
IRA Share	0.10%	0.10%
Min Balance $50 Details Balance: $50 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Advantage and Supplemental Share	0.03%	0.03%
Min Balance $1,000 Details Balance: $1,000 - $14,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Advantage and Supplemental Share	0.03%	0.03%
Min Balance $15,000 Details Balance: $15,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Advantage and Supplemental Share	0.03%	0.03%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
High Yield Savings	0.03%	0.03%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Advantage and Supplemental Share	0.00%	0.00%
Min Balance $100 Details Balance: $100 - $999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
High Yield Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.72% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Share	0.01%	0.01%
Min Balance $1,000 Details Balance: $1,000 - $14,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Business Share	0.01%	0.01%
Min Balance $15,000 Details Balance: $15,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Business Share	0.01%	0.01%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Business Share	0.00%	0.00%
Min Balance $100 Details Balance: $100 - $999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.80%	1.81%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.81% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Money Market	1.60%	1.61%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.61% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Money Market	1.40%	1.41%
Min Balance $15,000 Details Balance: $15,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.41% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Money Market	1.20%	1.21%
Min Balance $1,000 Details Balance: $1,000 - $14,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.21% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.60%	1.61%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Business Money Market	1.40%	1.41%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.41% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Business Money Market	1.20%	1.21%
Min Balance $15,000 Details Balance: $15,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.21% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Business Money Market	1.00%	1.00%
Min Balance $1,000 Details Balance: $1,000 - $14,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loan - 7-year Fixed	5.00%	-	5.18%	7 years
Details Published APR range: 5.18% - 6.68%; Published rate range: 5.00% - 6.50%. Effective as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.18% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Mortgage Loan - 10-year Fixed	5.40%	-	5.53%	10 years
Details Published APR range: 5.53% - 7.03%; Published rate range: 5.40% - 6.90%. Effective as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.53% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Mortgage Loan - 30-year 5/1 ARM (2.a)	5.35%	-	6.71%	30 years
Details Published APR range: 6.71% - 8.23%; Published rate range: 5.35% - 6.85%. 5/1 ARM; footnote (2.a); Effective as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.71% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Mortgage Loan - 30-year 7/1 ARM (2.b)	5.60%	-	6.96%	30 years
Details Published APR range: 6.96% - 8.49%; Published rate range: 5.60% - 7.10%. 7/1 ARM; footnote (2.b); Effective as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.96% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Mortgage Loan - Non-Owner Occupied 15-year 5/1 ARM	6.75%	-	7.77%	15 years
Details Published APR range: 7.77% - 8.27%; Published rate range: 6.75% - 7.25%. Non-owner occupied; 5/1 ARM; Effective as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.77% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit (1)	7.00%	-	7.01%
Details Published APR range: 7.01% - 10.76%; Published rate range: 7.00% - 10.75%. Variable rate loan; adjusted quarterly per footnote (1) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.01% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Home Equity Closed End	7.35%	-	7.36%
Details Published APR range: 7.36% - 11.11%; Published rate range: 7.35% - 11.10%. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 7.11% → 7.36% ▲ 0.25 pts · high 7.36% / low 7.11% Oct 2, 20267.36%▲ from 7.11% Sep 16, 20267.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	4.75%	-	4.75%	Up to 48 months
Details Rate range: 4.75% - 17.99% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Auto Loan	5.25%	-	5.25%	Up to 60 months
Details Rate range: 5.25% - 17.99% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Auto Loan	5.50%	-	5.50%	Up to 72 months
Details Rate range: 5.50% - 17.99% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Auto Loan	5.75%	-	5.75%	Up to 84 months
Details Rate range: 5.75% - 17.99% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - Up to 48 months	5.10%	5.10%	Up to 48 months
Details Published rate range: 5.10% - 17.99%. Rate range; effective as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Motorcycle Loan - Up to 60 months	5.60%	5.60%	Up to 60 months
Details Published rate range: 5.60% - 17.99%. Rate range; effective as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Motorcycle Loan - Up to 72 months	5.85%	5.85%	Up to 72 months
Details Published rate range: 5.85% - 17.99%. Rate range; effective as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Motorcycle Loan - Up to 84 months	6.10%	6.10%	Up to 84 months
Details Published rate range: 6.10% - 17.99%. Rate range; effective as of 10/01/26 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Boat & RV Loans	6.85%	6.85%	Up to 48 months
Details Published rate range: 6.85% - 17.99%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Boat & RV Loans	7.10%	7.10%	Up to 60 months
Details Published rate range: 7.10% - 17.99%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.10% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Boat & RV Loans	7.35%	7.35%	Up to 72 months
Details Published rate range: 7.35% - 17.99%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.35% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Boat & RV Loans	7.85%	7.85%	Up to 84 months
Details Published rate range: 7.85% - 17.99%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Boat & RV Loans	8.35%	8.35%	Up to 96 months++
Details Published rate range: 8.35% - 16.35%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.35% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Boat & RV Loans	9.10%	9.10%	Up to 120 months++
Details Published rate range: 9.10% - 12.35%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.10% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Boat & RV Loans	9.85%	9.85%	Up to 144 months++
Details Published rate range: 9.85% - 13.10%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Boat & RV Loans	10.85%	10.85%	Up to 180 months++
Details Published rate range: 10.85% - 13.60%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	10.95%
Details Published APR range: 10.95% - 17.99%. Credit card; Regular APR: 10.95% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 10.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Platinum Rewards Credit Card	-	11.95%
Details Published APR range: 11.95% - 17.99%. Credit card; Regular APR: 11.95% - 17.99% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Business Platinum Rewards Credit Card	-	15.75%
Details Business credit card; Regular APR: 15.75% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 15.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.00%	Up to 60 months
Details Rate range: 11.00% - 17.99% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
Unsecured Home Improvement+	11.85%
Details Rate range: 11.85% - 12.85% Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

CME Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Pledge Loans	12.00%	-	12.00%	1 - 36 months
Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%
EZ Line of Credit	14.59%	-	14.59%
Details Rate range: 14.59% - 17.99%; Footnote (3) on source page Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 14.04% → 14.59% ▲ 0.55 pts · high 14.59% / low 14.04% Oct 8, 202614.59%▲ from 14.04% Sep 16, 202614.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

CME Federal Credit Union’s Texas Ratio rose from 4.87% in Q3 2023 to 5.42% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$481M	5.42%	5.0	A+
March 31, 2026	$486M	6.04%	5.0	A
December 31, 2025	$476M	6.75%	5.0	A
September 30, 2025	$466M	6.12%	5.0	A
June 30, 2025	$474M	5.28%	5.0	A+
March 31, 2025	$480M	6.59%	5.0	A
December 31, 2024	$466M	7.53%	5.0	A
September 30, 2024	$450M	6.55%	5.0	A
June 30, 2024	$450M	5.85%	5.0	A+
March 31, 2024	$446M	5.91%	5.0	A+
December 31, 2023	$448M	6.00%	5.0	A+
September 30, 2023	$456M	4.87%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for CME Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather CME Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CME Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CME Federal Credit Union

Website https://www.cmefcu.org

Address 150 E Mound St, Columbus, OH 43215

Phone 614-224-8890

Fax 614-220-4295

President Edward Montgomery

CEO Brian Warner

Full-Time Employees 87

Part-Time Employees 1

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.42%

Return on Assets (ROA)

0.3819%

Return on Equity (ROE)

4.4198%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

480,865,874

Total Amount of Shares and Deposits

439,077,683

Total Shares and Deposits < 1 Year

409,194,696

Total Shares and Deposits 1 3 Years

25,506,737

Total Shares and Deposits > 3 Years

4,376,247

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

40,393,382

Total Uninsured Shares and Deposits > $250K (F+J)

40,393,382

Total Insured Shares and Deposits > $250K (item 17 less item K)

398,684,301

Total Interest Expense (Sum of items 6 8)

3,447,507

Share Certificates

2,617

Number of Accounts for Share Drafts

12,694

IRA KEOGH Accounts

818

Number of Accounts for Regular Shares

43,653

All other shares

13,701

Money Market Shares

3,101

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

38,456,857

Total Liabilities

441,812,951

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

CME Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About CME Federal Credit Union

Does CME Federal Credit Union offer CDs?

Yes. CME Federal Credit Union current CD rates include its CD - 60 month at 4.14% APY, its CD - 48 month at 4.10% APY and its CD - 36 month at 4.09% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from CME Federal Credit Union NCUA insured?

Yes. CME Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at CME Federal Credit Union?

The highest CME Federal Credit Union CD rate is its CD - 60 month at 4.14% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does CME Federal Credit Union offer?

CME Federal Credit Union CD rates are 3.80% APY for a 12 month CD, 3.95% APY for a 15 month CD, 4.01% APY for a 2 year CD, 4.09% APY for a 3 year CD, 4.10% APY for a 4 year CD and 4.14% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with CME Federal Credit Union for its full lineup.

What is the highest savings rate at CME Federal Credit Union?

The highest CME Federal Credit Union savings rate is its High Yield Savings at 2.75% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at CME Federal Credit Union?

The highest CME Federal Credit Union money market rate is its Money Market at 1.81% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest mortgage rate at CME Federal Credit Union?

The lowest CME Federal Credit Union mortgage rate is its Mortgage Loan - 7-year Fixed at 5.00%, verified by MonitorBankRates as of October 28, 2026. CME Federal Credit Union mortgage rates are 5.40% for a 10 year mortgage, 5.00% for a 7 year mortgage, 5.35% for a 5/1 ARM and 5.60% for a 7/1 ARM.

What is the lowest auto loan rate at CME Federal Credit Union?

The lowest CME Federal Credit Union auto loan rate is its Auto Loan at 4.75%, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at CME Federal Credit Union?

The lowest CME Federal Credit Union personal loan rate is its Personal Loan at 11.00%, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at CME Federal Credit Union?

The lowest CME Federal Credit Union credit card APR is its Platinum Credit Card at 10.95% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does CME Federal Credit Union operate?

CME Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join CME Federal Credit Union?

Yes, to access services at CME Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, CME Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CME Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does CME Federal Credit Union offer online and mobile banking?

Most modern institutions like CME Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cmefcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do CME Federal Credit Union rates compare?

CME Federal Credit Union's CD rates are 40% higher than the MonitorBankRates national average, and it has an A+ health rating. CME Federal Credit Union's top rates are its CD - 60 month at 4.14% APY, its High Yield Savings at 2.75% APY, its Money Market at 1.81% APY, its Mortgage Loan - 7-year Fixed at 5.00%, its Personal Loan at 11.00% APR and its Platinum Credit Card at 10.95% APR, verified by MonitorBankRates on October 28, 2026.

Current CME Federal Credit Union Rates

12-Month CD3.80%
24-Month CD3.91%
60-Month CD4.04%
Savings2.75%
MMA1.81%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

CME Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

CME Federal Credit Union Texas Ratio

CME Federal Credit Union Health Trend

CME Federal Credit Union CD Rates

CME Federal Credit Union Savings Rates

CME Federal Credit Union Business Savings Rates

CME Federal Credit Union Money Market Rates

CME Federal Credit Union Business Money Market Rates

CME Federal Credit Union Mortgage Rates

CME Federal Credit Union Home Equity & HELOC

CME Federal Credit Union Auto Loan Rates

CME Federal Credit Union RV, Boat and Powersport Loan Rates

CME Federal Credit Union Credit Card Rates

CME Federal Credit Union Personal Loan Rates

CME Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

CME Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About CME Federal Credit Union

Does CME Federal Credit Union offer CDs?

Are CDs from CME Federal Credit Union NCUA insured?

What is the highest CD rate at CME Federal Credit Union?

What CD terms does CME Federal Credit Union offer?

What is the highest savings rate at CME Federal Credit Union?

What is the highest money market rate at CME Federal Credit Union?

What is the lowest mortgage rate at CME Federal Credit Union?

What is the lowest auto loan rate at CME Federal Credit Union?

What is the lowest personal loan rate at CME Federal Credit Union?

What is the lowest credit card APR at CME Federal Credit Union?

How many branches does CME Federal Credit Union operate?

Is a member application needed to join CME Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does CME Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do CME Federal Credit Union rates compare?

Current CME Federal Credit Union Rates

Compare to Other Credit Unions