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CME Certificates

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CME Share Certificates
Long-term savings get big-time returns at CME. With a share certificate, you leave your money with us for a fixed amount of time, and you receive a predictable (and very nice) dividend on it. CME certificates offer great versatility and benefits:

  • Terms ranging from 3 to 60 months
  • Open with just $500 ($250 for youth accounts)
  • Add-to your certificate (see below)
  • Tiered rates, so the more you save, the more you earn
  • Penalties assessed for withdrawals prior to maturity

Add to your certificate
You can add to your CME certificate anytime you want while maintaining the term. With Payroll Deduction and Direct Deposit, you can add $50 or more to your certificate. Using cash or check, you can add $250 or more.

Bump-Up Certificates
Not sure about where rates are going? With a CME Bump-Up Certificate, you can lock into a higher rate. On the 18-month Bump-Up Certificate you can adjust the rate once during the term, on the 30-month Bump-Up Certificate, you can adjust the rate twice during the term.

Insured Savings
All CME savings accounts and certificates are insured up to a combined total of 500,000. The National Credit Union Administration provides $250,000 of federal coverage. The additional $250,000 coverage is provided by Excess Share Insurance, a private share insurer.