CME Federal Credit Union is a member-owned financial institution founded in 1935, serving Central Ohio residents with competitive savings rates, low loan rates, and personalized service.
Data compiled from public sources · Google rating shown when a stored review count is available
CME Federal Credit Union was established in 1935 by City of Columbus firefighters and police officers with a mission to protect the financial futures of public servants and their communities. Today, membership has expanded to include anyone who lives, works, worships, volunteers, or attends school in Central Ohio, making it a community-focused institution rather than a occupation-limited credit union.
The credit union offers a comprehensive suite of financial products including personal and business checking accounts, savings accounts, share and IRA certificates, health savings accounts, youth accounts, and online/mobile banking access. On the lending side, they provide auto loans, boat and motorcycle financing, personal loans, mortgage loans, home equity loans, student loans, and credit cards. They also offer listed programs like Skip-A-Pay (allowing members to skip loan payments when needed) and the Ohio Homebuyer Plus savings program with promotional interest rates.
CME Federal Credit Union distinguishes itself through member ownership structure, lower fees compared to traditional banks, higher savings rates, and a commitment to community partnership. They were recently included in the Forbes list of America's Best-In-State Credit Unions 2025. Their routing number is 244077255, and they provide comprehensive fraud prevention resources and financial planning tools like SavvyMoney.
As a credit union, CME operates on a not-for-profit model where members are owners, theoretically resulting in better rates and lower fees. However, membership is geographically limited to Central Ohio, and availability of listed products may vary compared to larger national institutions. Their website emphasizes security and member education, suggesting a focus on responsible financial management.
As a financial institution, this bank competes with both traditional banks and newer fintech personal loan lenders. Borrowers seeking personal loans for bad credit may find flexible terms through online lenders, while debt consolidation loans offer fixed rates. For credit building, secured credit cards and credit builder loans offer structured paths. Many banks offer installment loans with fixed monthly payments over 12 to 60 months.
This is state-level context for Credit Unions consumers in Columbus, OH. It does not confirm that CME Federal Credit Union or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
CME Federal Credit Union offers 17 services including Personal checking accounts with debit cards, Savings accounts and deposit accounts, Share and IRA certificates, Health savings accounts (HSAs), Youth savings accounts, and 12 more.
CME Federal Credit Union has profile signals associated with Central Ohio residents and employees seeking rate claims to verify with a community-focused financial institution, Homebuyers in Ohio looking for listed savings programs and mortgage lending, Members experiencing temporary financial hardship who need Skip-A-Pay loan payment flexibility, Business owners in Central Ohio seeking member-owned banking with lower fees.
Key strengths: Member-owned credit union structure typically offers lower fees and better rates than traditional banks; Recently recognized in Forbes' America's Best-In-State Credit Unions 2025 ranking; Comprehensive product suite including checking, savings, loans, mortgages, and credit cards. Areas to consider: Membership limited to Central Ohio geographic area (live, work, worship, volunteer, or attend school); Smaller institution may have fewer branch locations and ATMs compared to national banks.
In the Credit Unions category, comparable providers include Neighborhood Trust Federal Credit Union, Prestige Community Credit Union, Southeast Financial Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
CME Federal Credit Union is profile signals for Central Ohio residents seeking rate claims to verify and lower fees through a member-owned institution with a strong community focus and 90+ year history. The primary caveat is geographic membership limitation to Central Ohio, making it unavailable to those outside this region.
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Google rating from 111 reviews
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Prestige Community Credit Union is a Dallas-based credit union offering checking, savings, loans, and digital banking services to members with a focus on financial education and cybersecurity.
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Google rating from 331 reviews
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