Current Rates


New Auto
100% financing 2.50%**
Used Auto
100% financing 3.50%**
10% down 10.25%**
Loan 14.00%**
Loan 12.00%**
Secured Loans
share or cd rate +3.00%**

*Rates subject to change without notice. Please contact CMEFCU for complete terms.

** Annual Percentage Rate

Services Offered

Share Accounts

You need to have a share account to be a member of the credit union. It requires a minimum of $25.00 to open up your share account.

Christmas Clubs

The credit union sends out the checks October 1st.  It is a good way to save for christmas and not have all the bills after!!

Vacation Clubs

The credit union sends out the checks on June 1st. You don't have to use it only for vacation. You can use it for lots of things.

Miscellaneous Clubs

The credit union sends out checks on March 1st. This can be used for anything you are saving for. It is nice to get that check in the mail!

Certificate of Deposits

We have cds for 6 months and 12 months.


Payroll Deductions

Payroll Deduction is the automatic deposit of a fixed dollar amount from your pay by your employer to your Cumberland Municipal Employees Federal Credit Union share account. A payroll deduction is a great way to save. With your Credit Union payroll deduction you can:

  • Open a regular savings account
  • Make your monthly loan payment
  • Start a Christmas Club account
  • Start a Vacation Club account

Notary Public

Cumberland Municipal Employes Federal Credit Union offers Free Notary Public service to our members during our regular business hours.


IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents