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Helping you plan for a better future is what we do best. And with our Share Certificates and IRA Accounts – you can be sure that your getting the most out of your investment.


Share Certificates can offer a high yield on deposits at CME. They’re a safe and surprisingly versatile addition to any savings program.

  • Terms ranging from 3 to 84 months
  • Open with just $500 ($250 for youth accounts)
  • Add-to your certificate (see below) without extending maturity
  • The more you save, the more you earn with our tiered rates
  • Penalties assessed for withdrawals prior to maturity
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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.

Add to certificates without extending maturity by $50 with Direct Deposit or $250 with cash or check.


  • Lock into a higher return if rates increase.
  • 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


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Saving for retirement can seem daunting. But at CME, we have options to help make it easier. Whether you’re saving for a comfortable retirement or a loved one’s college education, CME offers a full range of insured IRA products to help you prepare for a bright future.



  • Earn dividends on balances over $50
  • Monthly compounded dividends, at the highest rate of any of our share accounts
  • Use Payroll Deduction to add to your IRA automatically every paycheck
  • To get started, please call or stop by a branch

IRA Share Certificate

  • Open with just $500, and enjoy the benefits of the higher earning potential of a Certificate
  • Terms from 3 to 60 months
  • Add to your certificate at any time—$50 minimum if by Direct Deposit or $250 minimum by cash or check
  • Bump-Up Certificates available, which allow you to lock in at a higher rate once during an 18-month certificate or twice during a 30-month certificate
  • To get started, please call or stop by a branch


For complete safety and security, these CME deposit accounts are federally insured up to $250,000 per member by NCUA and another $250,000 by ESI, a private share insurer. That’s a total of $500,000 per member!

Choose your IRA

Traditional IRA

  • Contribute up to $5,500 per year, or $11,000 per couple ($13,000 if both spouses are eligible for catch-up contributions), and receive a deduction on your current year’s taxes. Over 50? You may contribute up to $6,500
  • Not pay any taxes on these contributions or their earnings until you withdraw them at retirement. This is a good deal because most people are in a lower tax bracket at retirement time than when they’re working.
  • Make your deductible contributions as late as April 15 of the following year! So, if you didn’t get started before the end of the year, you have some extra time.

Please consult your tax adviser to make sure you are eligible.

Roth IRA

  • No current-year tax deduction for contributions…but:
  • Your savings grow tax-free, which means there are no taxes due on withdrawals at retirement
  • Contribute $5,500 per person or $11,000 per couple ($13,000 if both spouses are eligible for catch-up contributions) whether or not you have a qualifying retirement plan at work
  • Those age 50 or better may also deposit $1,000 per year over the maximum contribution amount

Income restrictions apply, so check with your tax adviser or financial planner to see if a Roth IRA is right for you.

Coverdell Education Savings Account (Education IRA)

  • Contribute up to $2,000 per child per year
  • No deduction for your contribution…but:
  • Your earnings grow tax free, so there’s no tax upon withdrawal if you use the proceeds for any qualifying primary, secondary or post-secondary educational expense. Some examples include tuition, books, fees, tutoring, room and board, school uniforms and more.

Again, be sure to check with your tax adviser to make sure you’re eligible.

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 on basic accounts as well as retirement accounts. The additional $250,000 coverage is provided by Excess Share Insurance, a private share insurer.