Credit union · NCUA insured
CME Federal Credit Union Savings Rates
CME Federal Credit Union’s best savings rate is 1.21% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How CME Federal Credit Union’s savings 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
1.25%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $125
High Yield Savings
Top rate
CFBank
4.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
CME Federal Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0001.21%
- $10,000 balance$10,0001.21%
- $100,000 balance$100,0001.81%
- QualifiedQualified1.25%
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.
Where CME Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Ohio Homebuyer Plus
6.50%APY
Offered in conjunction with the Ohio Treasurer's office. Accountholder must be an Ohio resident at least 18 years of age with a primary residence in Ohio, and must only use account proceeds toward the down payment or closing costs of a home purchased in Ohio that will become their new primary residence. Maximum contribution limit is $100,000. Funds must be used within 5 years (or 12 months once the maximum $100,000 is met). Minimum balance of $500 must be maintained. After 5 years, funds will be moved into Primary Savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $100,000Variable-rate account. $500 minimum to open and minimum to earn dividends. Maximum deposit/contribution limit of $100,000. Account duration is limited to 5 years, or 12 months once the maximum $100,000 is met.$500 – $100,000 | 6.50% | $650 | Variable-rate account. $500 minimum to open and minimum to earn dividends. Maximum deposit/contribution limit of $100,000. Account duration is limited to 5 years, or 12 months once the maximum $100,000 is met. |
High Yield Savings
1.25%APY
Open with as little as $5. Limit one account per membership. Rates are variable and may change at any time. To earn the higher advertised APY, members must receive at least $750 in qualifying direct deposits to a checking account or complete 10 qualifying debit card transactions per monthly qualification cycle. If qualifications are not met, the standard Advantage Share rate will apply to the full balance. Qualification criteria are evaluated monthly prior to dividend posting.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999To earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. | 0.00% | — | To earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. |
| $1,000 – $9,999To earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. | 2.75% | — | To earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. |
| $10,000 – $24,999To earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. | 1.25% | $125 | To earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. |
| $25,000 – $49,999To earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. | 0.50% | — | To earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. |
| $50,000 and upTo earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. | 0.03% | — | To earn advertised APY, members must receive at least $750 in qualifying direct deposits to checking account or complete 10 qualifying debit card transactions each month; otherwise standard Advantage Share rate applies. |
Sources (4)
All captured Oct 6, 2026
Money Market
1.21%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $14,999 | 1.21% | $121 |
| $15,000 – $49,999 | 1.41% | — |
| $50,000 – $99,999 | 1.61% | — |
| $100,000 and up | 1.81% | — |
Sources (1)
- cmefcu.org/deposit-rates · captured Oct 6, 2026
Advantage and Supplemental Share
0.03%APY
Subject to a Tiered Variable Rate. You must maintain an average daily balance of $100.00 during each dividend period to obtain the disclosed Annual Percentage Yield. Share Account minimum balance is $5.00 to maintain membership in good standing.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $999Must maintain an average daily balance of $100.00 during each dividend period to obtain the disclosed APY. | 0.00% | — | Must maintain an average daily balance of $100.00 during each dividend period to obtain the disclosed APY. |
| $1,000 – $14,999Must maintain an average daily balance of $100.00 during each dividend period to obtain the disclosed APY. | 0.03% | $3 | Must maintain an average daily balance of $100.00 during each dividend period to obtain the disclosed APY. |
| $15,000 – $49,999Must maintain an average daily balance of $100.00 during each dividend period to obtain the disclosed APY. | 0.03% | — | Must maintain an average daily balance of $100.00 during each dividend period to obtain the disclosed APY. |
| $50,000 and upMust maintain an average daily balance of $100.00 during each dividend period to obtain the disclosed APY. | 0.03% | — | Must maintain an average daily balance of $100.00 during each dividend period to obtain the disclosed APY. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Health Savings Accounts
0.40%APY
Works in conjunction with a qualifying high-deductible health plan. No set-up fee or annual fee. Subject to IRS limitations and penalties. Investment options available with a minimum balance of $1,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.15% | — |
| $1,000 – $14,999 | 0.40% | $40 |
| $15,000 – $24,999 | 0.75% | — |
| $25,000 and up | 0.90% | — |
Sources (3)
- cmefcu.org/s/824-Membership-Ag…Disclosure-CMEFT44-1.pdf
- cmefcu.org/deposit-rates
- cmefcu.org/health-savings-account
All captured Oct 6, 2026
Holiday Club Term Share Account
0.10%APY
Subject to a Variable Rate. You must maintain an average daily balance of $50.00 during each dividend period to obtain the disclosed Annual Percentage Yield. Matures on October 31st of each year. A penalty of $20.00 is imposed for each withdrawal made before the maturity date. Automatically renews at maturity without a grace period. On October 31st of each year (or the next business day), the entire balance is automatically transferred to your Share Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain an average daily balance of $50.00 during each dividend period to obtain the disclosed APY. Early withdrawal penalty is $20.00 per withdrawal before October 31st maturity.$50 and up | 0.10% | $10 | Must maintain an average daily balance of $50.00 during each dividend period to obtain the disclosed APY. Early withdrawal penalty is $20.00 per withdrawal before October 31st maturity. |
Sources (2)
All captured Oct 6, 2026
IRA Share Account
0.10%APY
Subject to a Variable Rate. In order to avoid a fee, during each dividend period you must: (a) have an average daily balance at the end of each dividend period equal to or greater than $1,000.00; or (b) maintain an aggregate balance (loan and deposit combined) of $10,000.00. Subject to IRS limitations and penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upTo avoid a fee, during each dividend period must have an average daily balance at the end of each dividend period equal to or greater than $1,000.00 or maintain an aggregate balance (loan and deposit combined) of $10,000.00.$50 and up | 0.10% | $10 | To avoid a fee, during each dividend period must have an average daily balance at the end of each dividend period equal to or greater than $1,000.00 or maintain an aggregate balance (loan and deposit combined) of $10,000.00. |
Sources (2)
All captured Oct 6, 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.