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CME Federal Credit Union

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CME Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

CME Federal Credit Union's 10-year Fixed rates are at 5.40%, 30-year 5/1 ARM rates are at 5.35%, 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%. 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 6.04%. Rates last updated and verified on 09/23/2026.

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

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.04%

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

CME Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10-year Fixed	5.40%	-	5.53%	10-year Fixed
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
30-year 5/1 ARM	5.35%	-	6.11%	30-year 5/1 ARM
Details (2) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Non-Owner Occupied 15-year 5/1 ARM	6.75%	-	7.38%	15
Details Term: Non-Owner Occupied 15-year 5/1 ARM Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

CME Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	6.75%	-	6.76%
Details 1 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Home Equity Closed End	7.10%	-	7.11%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Home Equity Line of Credit	8.00%	-	8.00%
Details Variable rate consumer line of credit loan adjusts quarterly with a maximum adjustment of .50%. In no event will the rate fall below 8.00% or exceed 18.00%. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

CME Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	4.75%	-	4.75%	Up to 48 months
Details As Low As; Rates may vary based on creditworthiness and loan term. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Auto Loan	5.25%	-	5.25%	Up to 60 months
Details As Low As; Rates may vary based on creditworthiness and loan term. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Auto Loan	5.50%	-	5.50%	Up to 72 months
Details As Low As; Rates may vary based on creditworthiness and loan term. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Auto Loan	5.75%	-	5.75%	Up to 84 months
Details As Low As; Rates may vary based on creditworthiness and loan term. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Auto Loan	-	-	8.00%	72 Months
Details New vehicle; Rates are based on individual credit quality and subject to change without notice. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

CME Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
MOTORCYCLE LOANS	5.10%	5.10%	Up to 48 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
MOTORCYCLE LOANS	5.60%	5.60%	Up to 60 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
MOTORCYCLE LOANS	5.85%	5.85%	Up to 72 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
MOTORCYCLE LOANS	6.10%	6.10%	Up to 84 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
BOAT & RV LOANS	6.85%	6.85%	Up to 48 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
BOAT & RV LOANS	7.10%	7.10%	Up to 60 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
BOAT & RV LOANS	7.35%	7.35%	Up to 72 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
BOAT & RV LOANS	7.85%	7.85%	Up to 84 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
BOAT & RV LOANS	8.35%	8.35%	Up to 96 months++
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
BOAT & RV LOANS	9.10%	9.10%	Up to 120 months++
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
BOAT & RV LOANS	9.85%	9.85%	Up to 144 months++
Details RATE range: 9.85% - 13.10%% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
BOAT & RV LOANS	10.85%	10.85%	Up to 180 months++
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

CME Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	11.00%	Up to 60 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Unsecured Home Improvement Loan	11.85%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

CME Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
7-year Fixed	5.00%	-	5.18%	7-year Fixed
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Business Platinum Rewards Loan	-	-	15.50%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Credit Builder Pledge Loans	12.00%	-	12.00%	1 - 36 months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
EZ Line of Credit	-	-	14.04%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Platinum Loan	-	-	10.70%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%
Platinum Rewards Loan	-	-	11.70%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.04%

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 5.08% in Q2 2023 to 6.04% in Q1 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 and its Health Grade from A+ to A. 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
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+
June 30, 2023	$448M	5.08%	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 88

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

6.04%

Return on Assets (ROA)

0.1614%

Return on Equity (ROE)

1.9357%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

485,796,027

Total Amount of Shares and Deposits

445,497,642

Total Shares and Deposits < 1 Year

417,815,751

Total Shares and Deposits 1 3 Years

23,801,795

Total Shares and Deposits > 3 Years

3,880,095

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

41,363,593

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

41,363,593

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

404,134,049

Total Interest Expense (Sum of items 6 8)

1,727,119

Share Certificates

2,667

Number of Accounts for Share Drafts

13,239

IRA KEOGH Accounts

823

Number of Accounts for Regular Shares

43,878

All other shares

13,626

Money Market Shares

3,094

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)

52,039,557

Total Liabilities

447,615,689

Source: NCUA — Last Updated 03/31/2026

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 — no need to download or upload anything.

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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

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.