Borrowing that has your back.
The key to finding the right loan is having a wide range of terms to choose from. We have loan options to fit your individual needs. Learn more by reviewing our competitive rates below. (The following loan rates are effective as of 11/15/22)
Use our free online calculators and tools to manage your money.
|See daily rates|
|10-year Fixed (4)||5.081% – 6.584%|
|7-year Fixed (4)||4.730% – 6.234%|
|5/1 ARM (2)||4.578% – 6.085%|
|Non-Owner Occupied 15-year ARM (5/1)||5.985% – 6.487%|
Home Equity Loans
|Home Equity Line of Credit (1)||7.006% – 10.756%|
|Home Equity Closed End||7.356% – 11.116%|
|Card Type||APR Rate|
|Platinum||10.20% – 17.99%|
|Platinum Rewards||11.20% – 17.99%|
|Business Platinum Rewards||15.00%|
|Up to 72 months||9.55% – 17.99%|
|EZ Line of Credit (3)||14.76% – 17.99%|
|Unsecured Home Improvement +||8.55% – 9.55%|
|Up to 48 months||4.35% – 17.99%|
|Up to 60 months||4.85% – 17.99%|
|Up to 72 months||5.10% – 17.99%|
|Up to 84 months||5.35% – 17.99%|
Boat, Motorcycle & RV Loans
|Up to 48 months||4.60% – 17.99%|
|Up to 60 months||5.10% – 17.99%|
|Up to 72 months||5.35% – 17.99%|
|Up to 84 months||5.60% – 17.99%|
|Up to 96 months++||6.10% – 13.10%|
|Up to 120 months++||6.85% – 9.10%|
|Up to 144 months++ |
(2021 or newer)
|7.85% – 10.10%|
Share / Certificate Pledge Loans
|Share Pledged Loans||Current Share Rate +3% (fixed)|
|Certificate Pledged Loans||Certificate Rate 3% (fixed)|
|Credit Builder Loans||12.00%|
Ready to become a member?
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.
For all vehicle loans a $195 fee is applicable. For Signature Loans a $25 fee is applicable. Loan rates are based on individual credit quality and subject to change without notice. First mortgage rates apply to owner-occupied properties, which may include a second home. For a personalized rate quote, contact a CME Loan Officer. A vehicle is considered new if it is 2 model years or newer and has less than 25,000 miles.
Terms available are based on model year.
+ Require a contractor bid to improve a primary residence.
++ Available for loan amounts of 50K or higher.
1) Variable rate loans. Home Equity Loans are adjusted quarterly with the adjustment not to exceed 2.00% annually and will not vary more than 6.00% from rate of issue for the first 10 years. In no event will the rate fall below 4.00%.
2) Variable rate mortgage loan with a fixed rate for the first 5 years. Adjusts every year thereafter on anniversary date with the adjustment not to exceed 2.00% and will not increase more than 5.00% from the rate of issue, and in no event will the rate fall below 4.00%. The index is the monthly average yield on the United States Treasury Securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve.
3) Variable rate consumer line of credit loan adjusts quarterly with a maximum adjustment of .50%. In no event will the rate fall below 8.00% or exceed 18.00%. The index is the monthly average yield on the United States Treasury Securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board.
4) Rates are subject to change without notice.