---
title: "Cranston Municipal Employees Credit Union Rates - Rhode Isla"
description: "Current mortgage, auto loan, heloc, personal loan, and savings & cd rates from Cranston Municipal Employees Credit Union in Rhode Island. Updated daily with source verification. See who can join Cranston Municipal Employees Credit Union — verified membership eligibility with the requirements and cost to join."
canonical: "https://rateapi.dev/credit-unions/rhode-island/cranston-municipal-employees"
last-updated: "2026-11-13"
source: "https://rateapi.dev/llms.txt"
---

# Cranston Municipal Employees Credit Union Rates - Rhode Isla

### Mortgage rates

3 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **CME CU's Home Everything Loan. A loan for every part of your life.** other |  — APR |  7.240% |  — |  Standard |
| **Low, fixed rate loans that has you in mind always!** other |  — APR |  9.990% |  — |  Standard |
| **Lower your rate, payment or both when you refinance.** other |  — APR |  5.740% |  — |  Standard |
Cranston Municipal Employees Credit Union mortgage rates as of November 12, 2026

### Auto & vehicle rates

13 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Featured Rates (Auto Loans)** auto |  — APR |  4.490% |  — |  Standard |
| **New or Used Autos (Up to 48 months)** auto_any_48mo |  — APR |  4.990% |  48 mo · any |  Standard |
| **New or Used Autos (Up to 60 months)** auto_any_60mo |  — APR |  5.240% |  60 mo · any |  Standard |
| **New or Used Autos (Up to 72 months)** auto_any_72mo |  — APR |  5.490% |  72 mo · any |  Standard |
| **You May Also Be Interested In (Auto Refinance)** auto |  — APR |  5.740% |  — |  Standard |
| **New or Used Autos (Up to 84 months)** auto_any_84mo |  — APR |  6.740% |  84 mo · any |  Standard |
| **CME CU's Home Everything Loan.** auto |  — APR |  6.990% |  — |  Standard |
| **Up to 84-Month New Auto Loan** auto_new_84mo |  — APR |  7.990% |  84 mo · new |  Standard |
| **Let us help you get away.** auto |  — APR |  9.750% |  — |  Standard |
| **Up to 60-Month Used Auto Loan** auto_used_60mo |  — APR |  9.990% |  60 mo · used |  Standard |
| **Up to 120-Month New Auto Loan** auto_new_120mo |  — APR |  10.500% |  120 mo · new |  Standard |
| **Up to 120-Month Used Auto Loan** auto_used_120mo |  — APR |  11.000% |  120 mo · used |  Standard |
| **Up to 84-Month Used Auto Loan** auto_used_84mo |  — APR |  11.240% |  84 mo · used |  Standard |
Cranston Municipal Employees Credit Union auto & vehicle rates as of November 12, 2026

### HELOC rates

5 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Featured Rates (HELOC)** heloc_variable |  — APR |  5.990% |  — |  Standard |
| **Up to 5-Year Home Equity Loan (Fixed)** heloc_fixed |  — APR |  6.250% |  — |  Standard |
| **Up to 10-Year Home Equity Loan (Fixed)** heloc_fixed |  — APR |  6.500% |  — |  Standard |
| **Up to 15-Year Home Equity Loan (Fixed)** heloc_fixed |  — APR |  7.000% |  — |  Standard |
| **You May Also Be Interested In (Home Equity - Fixed)** heloc_fixed |  — APR |  7.240% |  — |  Standard |
Cranston Municipal Employees Credit Union heloc rates as of November 12, 2026

### Personal loan rates

6 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Up to 60-Month Unsecured Personal Loan** personal_unsecured_60mo |  — APR |  4.100% |  60 mo |  Standard |
| **60-Month Share-Secured Loan** personal_secured_60mo |  — APR |  4.100% |  60 mo |  Standard |
| **Featured Rates (Personal Loans)** personal_unsecured |  — APR |  9.490% |  — |  Standard |
| **Up to 24-Month Unsecured Personal Loan** personal_unsecured_24mo |  — APR |  9.490% |  24 mo |  Standard |
| **You May Also Be Interested In (Personal Loan)** personal_unsecured |  — APR |  9.990% |  — |  Standard |
| **60-Month Personal Loan** personal_unsecured_60mo |  — APR |  11.500% |  60 mo |  Standard |
Cranston Municipal Employees Credit Union personal loan rates as of November 12, 2026

### Savings & CD rates

38 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **You May Also Be Interested In (FREE Checking)** checking |  — APY |  0.05% |  — |  Standard |
| **We start with Free and then you get so much more.** savings |  — APY |  0.05% |  — |  Standard |
| **$25** savings |  — APY |  0.10% |  — |  Standard |
| **MyLife Money Market Accounts ($25)** money_market |  — APY |  0.10% |  — |  Standard |
| **$0.00** savings |  — APY |  0.30% |  — |  Standard |
| **$25** savings |  — APY |  0.30% |  — |  Standard |
| **3-Month Certificate** cd_3mo |  — APY |  0.40% |  3 mo |  Standard |
| **3-Month Certificate** cd_3mo |  — APY |  0.40% |  3 mo |  Standard |
| **6-Month Certificate** cd_6mo |  — APY |  0.50% |  6 mo |  Standard |
| **6-Month Certificate** cd_6mo |  — APY |  0.50% |  6 mo |  Standard |
| **$25,000** savings |  — APY |  0.55% |  — |  Standard |
| **MyLife Money Market Accounts ($25,000)** money_market |  — APY |  0.55% |  — |  Standard |
| **$50,000** savings |  — APY |  0.95% |  — |  Standard |
| **MyLife Money Market Accounts ($50,000)** money_market |  — APY |  0.95% |  — |  Standard |
| **12-Month Certificate** cd_12mo |  — APY |  0.99% |  12 mo |  Standard |
| **$75,000** savings |  — APY |  1.00% |  — |  Standard |
| **MyLife Money Market Accounts ($75,000)** money_market |  — APY |  1.00% |  — |  Standard |
| **12-Month Certificate** cd_12mo |  — APY |  1.00% |  12 mo |  Standard |
| **$0.00 - $29,999.99** savings |  — APY |  1.49% |  — |  Standard |
| **MyLife Tiered Savings ($0.00 - $29,999.99)** savings |  — APY |  1.50% |  — |  Standard |
| **$100,000** savings |  — APY |  2.50% |  — |  Standard |
| **MyLife Money Market Accounts ($100,000)** money_market |  — APY |  2.50% |  — |  Standard |
| **36-Month Certificate** cd_36mo |  — APY |  2.72% |  36 mo |  Standard |
| **36-Month Certificate** cd_36mo |  — APY |  2.75% |  36 mo |  Standard |
| **48-Month Certificate** cd_48mo |  — APY |  2.96% |  48 mo |  Standard |
| **30-Month Certificate** cd_30mo |  — APY |  2.96% |  30 mo |  Standard |
| **30-Month Certificate** cd_30mo |  — APY |  3.00% |  30 mo |  Standard |
| **48-Month Certificate** cd_48mo |  — APY |  3.00% |  48 mo |  Standard |
| **24-Month Certificate** cd_24mo |  — APY |  3.20% |  24 mo |  Standard |
| **60-Month Certificate** cd_60mo |  — APY |  3.20% |  60 mo |  Standard |
| **18-Month Certificate** cd_18mo |  — APY |  3.20% |  18 mo |  Standard |
| **18-Month Certificate** cd_18mo |  — APY |  3.25% |  18 mo |  Standard |
| **60-Month Certificate** cd_60mo |  — APY |  3.25% |  60 mo |  Standard |
| **24-Month Certificate** cd_24mo |  — APY |  3.25% |  24 mo |  Standard |
| **$30,000.00 And Greater** savings |  — APY |  3.45% |  — |  Standard |
| **Featured Rates (Tiered Savings)** savings |  — APY |  3.50% |  — |  Standard |
| **MyLife Tiered Savings ($30,000.00 and greater)** savings |  — APY |  3.50% |  — |  Standard |
| **Featured Rates (6 Mth CD)** cd_6mo |  — APY |  3.75% |  6 mo |  Standard |
Cranston Municipal Employees Credit Union savings & cd rates as of November 12, 2026

Cranston Municipal Employees Credit Union is a credit union in Rhode Island. Rate data is being verified.

> Source: [RateAPI.dev](https://rateapi.dev/credit-unions/rhode-island/cranston-municipal-employees) , verified from [Cranston Municipal Employees Credit Union's official website](https://www.cmecreditunion.org/)

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## About Cranston Municipal Employees Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members

3.2K

Assets

$78.6M

Founded

1946

Locations reported

2

NCUA charter

60780

Charter type

Federally insured state-chartered credit union

### Services and member support

- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- First-time homebuyer program
- Student scholarships

Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union.

### Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

[**Navigant** Cranston · Cranston · RI · 02920 About 1.0 miles away](https://rateapi.dev/credit-unions/rhode-island/navigant) [**Coastal1** Sockanosset Crossroad Branch · Cranston · RI · 02920-5566 About 1.2 miles away](https://rateapi.dev/credit-unions/rhode-island/coastal1) [**Rhode Island** Rhode Island Credit Union · Cranston · RI · 02910-4414 About 1.2 miles away](https://rateapi.dev/credit-unions/rhode-island/rhode-island) [**Wave** Corporate Office · Warwick · RI · 02886-1606 About 3.1 miles away](https://rateapi.dev/credit-unions/rhode-island/wave) [**Greenwood** Operations Center · Warwick · RI · 02886-3003 About 4.0 miles away](https://rateapi.dev/credit-unions/rhode-island/greenwood) [**Ocean State** PHENIX BRANCH · WEST WARWICK · RI · 02893 About 4.6 miles away](https://rateapi.dev/credit-unions/rhode-island/ocean-state)

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

## Who Can Join Cranston Municipal Employees Credit Union

Membership eligibility from Cranston Municipal Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) .

Membership criteria are published on Cranston Municipal Employees Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from [Cranston Municipal Employees Credit Union's membership page](https://www.cmecreditunion.org/) . Final membership determination is always made by the credit union.

## Work at Cranston Municipal Employees Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Cranston Municipal Employees Credit Union ranks against Rhode Island peers.

- See which AI assistants fetched Cranston Municipal Employees Credit Union’s rates, and how often
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- Correct anything we publish about you that is wrong

[Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=cranston-municipal-employees&state=rhode-island&code=RI&name=Cranston%20Municipal%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions)

## Frequently Asked Questions

### What rates does Cranston Municipal Employees Credit Union offer?

Cranston Municipal Employees Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website.

### How often are Cranston Municipal Employees Credit Union rates updated?

RateAPI verifies Cranston Municipal Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026.

### Where does RateAPI get Cranston Municipal Employees Credit Union's rate data?

Rate data is collected directly from Cranston Municipal Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

### Who can join Cranston Municipal Employees Credit Union?

Cranston Municipal Employees Credit Union publishes its membership criteria on its own website.

## Related Rate Data

Compare Cranston Municipal Employees Credit Union's rates against national credit-union benchmarks.

[More Rhode Island credit unions](https://rateapi.dev/credit-unions/rhode-island) [Rhode Island mortgage rate leaders](https://rateapi.dev/mortgage-rates/rhode-island) [Rhode Island auto loan rate leaders](https://rateapi.dev/auto-loan-rates/rhode-island) [Rhode Island HELOC rate leaders](https://rateapi.dev/heloc-rates/rhode-island) [Rhode Island personal loan leaders](https://rateapi.dev/personal-loan-rates/rhode-island) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology)

### Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

[View Original Source](https://www.cmecreditunion.org/)

### Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

[View Methodology](https://rateapi.dev/methodology)

## Track Cranston Municipal Employees Credit Union rates

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Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails)

## Use it via API

Access this data programmatically with our REST API

terminal

```
# Get rates for Cranston Municipal Employees Credit Union
curl "https://api.rateapi.dev/credit-unions/rhode-island /cranston-municipal-employees " \
  -H "Authorization : Bearer YOUR_API_KEY"
```

[Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp)

Branch locator

## Cranston Municipal Employees Credit Union locations

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---

Source: https://rateapi.dev/credit-unions/rhode-island/cranston-municipal-employees
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp