CME Federal Credit Union CD Rates

How CME Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Columbus, OH, where CME Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
CME Federal Credit Union
3.78%APY
Term
24 months
Minimum
$500
Earns on $10,000
$770
Share Certificates
Top rate
Homeland Credit Union
5.15%APY
Term
30 months
Minimum
$500
Earns on $10,000
$1,338
Homeland Credit Union rates
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
Term
60 months
Minimum
$500
Earns on $10,000
$2,802
Scott Associates Credit Union Inc rates

Compare CD rates near you →

CD score

Higher than 64% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.62%
9–15 months9–15 mo3.71%
16–30 months16–30 mo3.78%
31–60 months31–60 mo3.72%
QualifiedQualified3.78%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where CME Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Share Certificates

Up to 3.78%APY · 13 termsFrom $500 to open

Open with $500 ($250 for youth accounts). Add to certificate anytime without extending maturity ($50 minimum via payroll deduction/direct deposit, $250 minimum via cash/check). Penalty for early withdrawal: 90 days dividends for term < 1 year; 180 days dividends for term >= 1 year and < 6 years; 3.00% of account balance for term >= 6 years (72 and 84 months). 10 calendar days grace period upon automatic renewal.

Earnings on $10,000 over the term.
Term	APY · $500 – $15,000	APY · $15,000 – $50,000	APY · $50,000 and up	APY	Earns on $10,000Earns
3 months	3.02%	3.02%	3.12%	3.02%3.02% $15k–$50k3.12% from $50k	$75
6 months	3.62%	3.62%	3.72%	3.62%3.62% $15k–$50k3.72% from $50k	$179
9 months	3.66%	3.66%	3.76%	3.66%3.66% $15k–$50k3.76% from $50k	$273
12 months	3.69%	3.69%	3.79%	3.69%3.69% $15k–$50k3.79% from $50k	$369
15 months	3.71%	3.71%	3.81%	3.71%3.71% $15k–$50k3.81% from $50k	$466
18 months18-month bump option allows adjusting the rate once during the term to current rates	3.62%	3.62%	3.72%	3.62%3.62% $15k–$50k3.72% from $50k	$548
24 months	3.78%	3.78%	3.88%	3.78%3.78% $15k–$50k3.88% from $50k	$770
30 months30-month bump option allows adjusting the rate twice during the term to current rates	3.42%	3.42%	3.52%	3.42%3.42% $15k–$50k3.52% from $50k	$877
36 months	3.72%	3.72%	3.82%	3.72%3.72% $15k–$50k3.82% from $50k	$1,158
48 months	3.66%	3.66%	3.76%	3.66%3.66% $15k–$50k3.76% from $50k	$1,546
60 months	3.69%	3.69%	3.79%	3.69%3.69% $15k–$50k3.79% from $50k	$1,986
72 months	3.69%	3.69%	3.79%	3.69%3.69% $15k–$50k3.79% from $50k	$2,429
84 months	3.69%	3.69%	3.79%	3.69%3.69% $15k–$50k3.79% from $50k	$2,887

Sources (3)

All captured Sep 18, 2026

Special-purpose accounts

IRA Share Certificate

Up to 3.78%APY · 13 termsIRAFrom $500 to open

Open with $500. Add to certificate anytime without extending maturity ($50 minimum via payroll deduction/direct deposit, $250 minimum via cash/check). Penalty for early withdrawal: 90 days dividends for term < 1 year; 180 days dividends for term >= 1 year and < 6 years; 3.00% of account balance for term >= 6 years (72 and 84 months). 10 calendar days grace period upon automatic renewal. Subject to IRS limitations and penalties.

Earnings on $10,000 over the term.
Term	APY · $500 – $15,000	APY · $15,000 – $50,000	APY · $50,000 and up	APY	Earns on $10,000Earns
3 months	3.02%	3.02%	3.12%	3.02%3.02% $15k–$50k3.12% from $50k	$75
6 months	3.62%	3.62%	3.72%	3.62%3.62% $15k–$50k3.72% from $50k	$179
9 months	3.66%	3.66%	3.76%	3.66%3.66% $15k–$50k3.76% from $50k	$273
12 months	3.69%	3.69%	3.79%	3.69%3.69% $15k–$50k3.79% from $50k	$369
15 months	3.71%	3.71%	3.81%	3.71%3.71% $15k–$50k3.81% from $50k	$466
18 months18-month bump option allows adjusting the rate once during the term to current rates	3.62%	3.62%	3.72%	3.62%3.62% $15k–$50k3.72% from $50k	$548
24 months	3.78%	3.78%	3.88%	3.78%3.78% $15k–$50k3.88% from $50k	$770
30 months30-month bump option allows adjusting the rate twice during the term to current rates	3.42%	3.42%	3.52%	3.42%3.42% $15k–$50k3.52% from $50k	$877
36 months	3.72%	3.72%	3.82%	3.72%3.72% $15k–$50k3.82% from $50k	$1,158
48 months	3.66%	3.66%	3.76%	3.66%3.66% $15k–$50k3.76% from $50k	$1,546
60 months	3.69%	3.69%	3.79%	3.69%3.69% $15k–$50k3.79% from $50k	$1,986
72 months	3.69%	3.69%	3.79%	3.69%3.69% $15k–$50k3.79% from $50k	$2,429
84 months	3.69%	3.69%	3.79%	3.69%3.69% $15k–$50k3.79% from $50k	$2,887

Sources (3)

All captured Sep 18, 2026

Holiday Club Term Share Account

0.10%APYClub$50 to open

Open with $50.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$50 and up	0.10%	$10

Sources (1)

cmefcu.org/deposit-rates · captured Oct 16, 2026

Who can join CME Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Individuals who live, work, worship, volunteer, or attend school in Delaware, Fairfield, Franklin, Licking, Madison, Morrow, Pickaway, or Union counties are eligible to join.

Family and household

Anyone related to an existing CME member is eligible for membership, regardless of geographic location.

Cost to join

Opening an account requires a minimum $5 deposit into a CME Advantage Share Account, representing a membership share.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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