Answers To The Questions You Care About

THE CREDIT UNION DIFFERENCE

The difference between credit unions and banks comes down to who we serve and why we exist. Unlike banks, which are for-profit entities focused on generating returns for stockholders, credit unions are not-for-profit financial cooperatives owned by our members. This member-owned structure means that our profits are reinvested back into better rates, lower fees, enhanced services, and the communities we serve - all with the goal of helping you succeed financially. At CME, you’re not just a customer—you’re a part of a community that puts your financial well-being first.

CREDIT UNION

  • Owned by members, focused on serving them

  • Not-for-profit financial cooperative

  • Must be eligible to join

  • Earnings returned to members

BANK

  • Owned by stockholders, focused on generating profits

  • For-profit business

  • Anyone can be a member

  • Profits distributed to stockholders

Member Eligibility

If you live, work, worship, volunteer, or attend school in Delaware, Fairfield, Franklin, Licking, Madison, Morrow, Pickaway, or Union counties, you’re eligible to join CME. If you're related to a CME member, you can join too—even if you’re outside our service area. Also, once you're a member, you stay a member, even if you move outside of our service area.

Financial Counseling and Wellness Resources

At CME Federal Credit Union, we’re committed to helping our members navigate their financial journeys with confidence. That’s why all our branch managers are certified financial counselors, ready to offer personalized guidance tailored to your unique needs. Whether you're budgeting, managing debt, or planning for the future, our experts are here to support you every step of the way. Plus, through our partnership with Apprisen, a trusted leader in financial wellness, we are able to provide even more resources and tools to empower you to achieve your financial goals.

ABOUT APPRISEN

Apprisen is a non-profit organization committed to your financial well-being. For over 60 years, they’ve been helping, empowering, and motivating people along their financial journey. They do this through financial education, financial coaching, community outreach and counseling. They focus on debt management. They provide free one-on-one sessions to collaborate on brainstorming achievable solutions to fit every individuals’ unique financial situation, regardless of what stage of their financial life they’re in. It’s financial wellness, tailored specifically for you.

How Do We Partner?

Apprisen & CME work together to help you build your financial health. As our non-profit partner, Apprisen can work with you individually to help you manage debt and understand your credit. Together, we have a wealth of resources and products to help you achieve your financial goals.

Financial Education

SAVVYMONEY

CME Federal Credit Union is proud to partner with SavvyMoney, a leading platform that empowers you to take control of your financial health. Through this partnership, CME members can access free credit score monitoring, personalized financial insights, and tools to help manage debt, all within our secure online banking system. Whether you're looking to improve your credit score, understand your financial standing, or plan for future goals, SavvyMoney offers the resources you need to make informed decisions and achieve financial success.