Better Rates to Ensure A Brighter Future
Explore our competitive rates to learn how we help you make the most of your hard-earned savings. See below and contact us to find out which option is right for you. (The following deposit rates are effective 11/12/24).
CME PLATINUM CHECKING / CME PREMIUM PLUS CHECKING
| MINIMUM TO EARN DIVIDEND | APY(*) | DIVIDEND RATE |
|---|---|---|
| $1,000 - $14,999 | 0.03% | 0.03% |
| $15,000 – $49,999 | 0.03% | 0.03% |
| Over $50,000 | 0.03% | 0.03% |
MONEY MARKET / BUSINESS MONEY MARKET/ RETIREMENT CARE ACCOUNT
| MINIMUM TO EARN DIVIDEND | APY(*) | DIVIDEND RATE |
|---|---|---|
| $1,000 - $14,999 | 1.31% | 1.30% |
| $15,000 – $49,999 | 1.51% | 1.50% |
| $50,000 - $99,999 | 1.92% | 1.90% |
| Over $100,000 | 2.17% | 2.15% |
ADVANTAGE AND SUPPLEMENTAL SHARE
| RANGE | APY(*) | DIVIDEND RATE |
|---|---|---|
| $100 - $999 | 0.00% | 0.00% |
| $1,000 - $14,999 | 0.05% | 0.05% |
| $15,000 - $49,999 | 0.05% | 0.05% |
| Over $50,000 | 0.05% | 0.05% |
BUSINESS SHARE
| RANGE | APY(*) | DIVIDEND RATE |
|---|---|---|
| $100 - $999 | 0.00% | 0.00% |
| $1,000 – $14,999 | 0.03% | 0.03% |
| $15,000 - $49,999 | 0.03% | 0.03% |
| Over $50,000 | 0.03% | 0.03% |
HEALTH SAVINGS ACCOUNTS
| RANGE | APY(*) | DIVIDEND RATE |
|---|---|---|
| $0 - $999 | 0.30% | 0.30% |
| $1,000 - $14,999 | 0.60% | 0.60% |
| $15,000 - $24,000 | 0.90% | 0.90% |
| Over $25,000 | 1.16% | 1.15% |
HOLIDAY CLUB
| RANGE | APY(*) | DIVIDEND RATE |
|---|---|---|
| $50 | 0.10% | 0.10% |
IRA SHARE
| RANGE | APY(*) | DIVIDEND RATE |
|---|---|---|
| $50 | 0.15% | 0.15% |
SHARE CERTIFICATES & IRA CERTIFICATES
| TERM | RANGE | APY(*) | DIVIDEND RATE |
|---|---|---|---|
| 3 months | $500 – $14,999.99 | 3.45% | 3.40% |
| 3 months | $15,000 – $49,999.99 | 3.45% | 3.40% |
| 3 months | Over $50,000 | 3.55% | 3.49% |
| 6 months | $500 – $14,999.99 | 4.18% | 4.10% |
| 6 months | $15,000 – $49,999.99 | 4.18% | 4.10% |
| 6 months | Over $50,000 | 4.28% | 4.20% |
| 9 months | $500 – $14,999.99 | 4.13% | 4.05% |
| 9 months | $15,000 – $49,999.99 | 4.13% | 4.05% |
| 9 months | Over $50,000 | 4.23% | 4.15% |
| 12 months | $500 – $14,999.99 | 4.13% | 4.05% |
| 12 months | $15,000 – $49,999.99 | 4.13% | 4.05% |
| 12 months | Over $50,000 | 4.23% | 4.15% |
| 15 months | $500 – $14,999.99 | 3.97% | 3.90% |
| 15 months | $15,000 – $49,999.99 | 3.97% | 3.90% |
| 15 months | Over $50,000 | 4.07% | 4.00% |
| 24 months | $500 – $14,999.99 | 3.71% | 3.65% |
| 24 months | $15,000 – $49,999.99 | 3.71% | 3.65% |
| 24 months | Over $50,000 | 3.81% | 3.75% |
| 36 months | $500 – $14,999.99 | 3.61% | 3.55% |
| 36 months | $15,000 – $49,999.99 | 3.61% | 3.55% |
| 36 months | Over $50,000 | 3.71% | 3.65% |
| 48 months | $500 – $14,999.99 | 3.40% | 3.35% |
| 48 months | $15,000 – $49,999.99 | 3.40% | 3.35% |
| 48 months | Over $50,000 | 3.50% | 3.55% |
| 60 months | $500 – $14,999.99 | 3.35% | 3.30% |
| 60 months | $15,000 – $49,999.99 | 3.35% | 3.30% |
| 60 months | Over $50,000 | 3.45% | 3.40% |
| 72 months | $500 – $14,999.99 | 3.35% | 3.30% |
| 72 months | $15,000 – $49,999.99 | 3.35% | 3.30% |
| 72 months | Over $50,000 | 3.45% | 3.40% |
| 84 months | $500 – $14,999.99 | 3.35% | 3.30% |
| 84 months | $15,000 – $49,999.99 | 3.35% | 3.30% |
| 84 months | Over $50,000 | 3.45% | 3.40% |
| 18-month bump | $500 – $14,999.99 | 3.82% | 3.75% |
| 18-month bump | $15,000 – $49,999.99 | 3.82% | 3.75% |
| 18-month bump | Over $50,000 | 3.92% | 3.85% |
| 30-month bump | $500 – $14,999.99 | 3.66% | 3.60% |
| 30-month bump | $15,000 – $49,999.99 | 3.66% | 3.60% |
| 30-month bump | Over $50,000 | 3.76% | 3.70% |
Open A Certificate
If you live, work, worship, volunteer, or attend school in Delaware, Fairfield, Franklin, Licking, Madison, Morrow, Pickaway and Union counties, you can join. If you’re related to someone who’s a CME member, you can join…even if you don’t live in our geographic area. Plus, if you joined CME then moved out of the county, you’re still a member.
All of CME’s savings products are insured up to a combined total of $500,000. The National Credit Union Administration ( NCUA ) provides $250,000 of federal coverage. The additional $250,000 of coverage is provided by Excess Share Insurance ( ESI ), a private share insurer. CME provides members the highest combination of federal/private share savings deposit insurance available.
Deposits may be made to new and existing Share, Youth and IRA Certificates without extending the maturity date. Members can add to the certificate anytime through payroll deduction/automatic allocation ($50/pay minimum) or by cash or check ($250 minimum) without extending maturity.
Savings and Loan Rates are subject to change without notice.
APY=Annual Percentage Yield
*APY Annual Percentage Yield at next dividend posting if dividends are not withdrawn during the term. We will impose a penalty if you withdraw any of the funds before the maturity date.
The penalty imposed will be either:
1) equal to 90 days of dividends of the amount withdrawn for Accounts having a term of less than one year; and 180 days of dividends on the amount withdrawn for Accounts having a term equal to or greater than one year and less than six years, or
2) equal to 3.00% of the Account balance at the time of early withdrawal for Accounts having a term greater than or equal to six years.
Minimum balance required on Share Certificates is $500.
Minimum balance required on IRA Certificates is $500.
Minimum balance required on Youth Share Certificate is $250.