Cranston Municipal Employees Credit Union

Cranston, Rhode Island
Last verified: August 4, 2026
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Verified rate book

Current Cranston Municipal Employees Credit Union rates

71 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

13 offers
Cranston Municipal Employees Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.500% APR6.500%—Standard
30-Year Fixed30 year fixed6.548% APR6.548%—Standard
15-Year Fixed15 year fixed5.750% APR5.750%—Standard
15-Year Fixed15 year fixed5.828% APR5.828%—Standard
5/1 ARM - Treasury5 1 arm6.976% APR6.976%—Standard
First Mortgage Rates (5/1 ARM - Treasury)5 1 arm7.000% APR7.000%—Standard
7/1 ARM - Treasury7 1 arm7.057% APR7.057%—Standard
First Mortgage Rates (7/1 ARM - Treasury)7 1 arm7.125% APR7.125%—Standard
10/1 ARM - Treasury10 1 arm7.265% APR7.265%—Standard
First Mortgage Rates (10/1 ARM - Treasury)10 1 arm7.375% APR7.375%—Standard
CME CU's Home Everything Loan. A loan for every part of your life.other7.240% APR7.240%—Standard
Low, fixed rate loans that has you in mind always!other9.990% APR9.990%—Standard
Lower your rate, payment or both when you refinance.other5.740% APR5.740%—Standard

Auto & vehicle rates

12 offers
Cranston Municipal Employees Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
New or Used Autos (Up to 48 months)auto_any_48mo4.490% APR4.490%48 mo · anyStandard
Featured Rates (Auto Loans)auto4.490% APR4.490%—Standard
New or Used Autos (Up to 60 months)auto_any_60mo4.990% APR4.990%60 mo · anyStandard
New or Used Autos (Up to 72 months)auto_any_72mo5.240% APR5.240%72 mo · anyStandard
New or Used Autos (Up to 84 months)auto_any_84mo6.490% APR6.490%84 mo · anyStandard
CME CU's Home Everything Loan.auto6.990% APR6.990%—Standard
Up to 84-Month New Auto Loanauto_new_84mo7.990% APR7.990%84 mo · newStandard
Let us help you get away.auto9.750% APR9.750%—Standard
Up to 60-Month Used Auto Loanauto_used_60mo9.990% APR9.990%60 mo · usedStandard
Up to 120-Month New Auto Loanauto_new_120mo10.500% APR10.500%120 mo · newStandard
Up to 120-Month Used Auto Loanauto_used_120mo11.000% APR11.000%120 mo · usedStandard
Up to 84-Month Used Auto Loanauto_used_84mo11.240% APR11.240%84 mo · usedStandard

HELOC rates

4 offers
Cranston Municipal Employees Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Featured Rates (HELOC)heloc_variable5.990% APR5.990%—Standard
Up to 5-Year Home Equity Loan (Fixed)heloc_fixed6.490% APR6.490%—Standard
Up to 10-Year Home Equity Loan (Fixed)heloc_fixed6.740% APR6.740%—Standard
Up to 15-Year Home Equity Loan (Fixed)heloc_fixed6.990% APR6.990%—Standard

Personal loan rates

5 offers
Cranston Municipal Employees Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Share-Secured Loanpersonal_secured_60mo4.100% APR4.100%60 moStandard
Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo4.100% APR4.100%60 moStandard
Featured Rates (Personal Loans)personal_unsecured9.490% APR9.490%—Standard
Up to 24-Month Unsecured Personal Loanpersonal_unsecured_24mo9.490% APR9.490%24 moStandard
60-Month Personal Loanpersonal_unsecured_60mo11.500% APR11.500%60 moStandard

Savings & CD rates

37 offers
Cranston Municipal Employees Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
We start with Free and then you get so much more.savings0.05% APY0.05%—Standard
$25savings0.10% APY0.10%—Standard
MyLife Money Market Accounts ($25)money_market0.10% APY0.10%—Standard
$25savings0.30% APY0.30%—Standard
$0.00savings0.30% APY0.30%—Standard
3-Month Certificatecd_3mo0.40% APY0.40%3 moStandard
3-Month Certificatecd_3mo0.40% APY0.40%3 moStandard
6-Month Certificatecd_6mo0.50% APY0.50%6 moStandard
6-Month Certificatecd_6mo0.50% APY0.50%6 moStandard
MyLife Money Market Accounts ($25,000)money_market0.55% APY0.55%—Standard
$25,000savings0.55% APY0.55%—Standard
MyLife Money Market Accounts ($50,000)money_market0.95% APY0.95%—Standard
$50,000savings0.95% APY0.95%—Standard
12-Month Certificatecd_12mo0.99% APY0.99%12 moStandard
$75,000savings1.00% APY1.00%—Standard
MyLife Money Market Accounts ($75,000)money_market1.00% APY1.00%—Standard
12-Month Certificatecd_12mo1.00% APY1.00%12 moStandard
$0.00 - $29,999.99savings1.49% APY1.49%—Standard
MyLife Tiered Savings ($0.00 - $29,999.99)savings1.50% APY1.50%—Standard
$100,000savings2.50% APY2.50%—Standard
MyLife Money Market Accounts ($100,000)money_market2.50% APY2.50%—Standard
36-Month Certificatecd_36mo2.72% APY2.72%36 moStandard
36-Month Certificatecd_36mo2.75% APY2.75%36 moStandard
30-Month Certificatecd_30mo2.96% APY2.96%30 moStandard
48-Month Certificatecd_48mo2.96% APY2.96%48 moStandard
30-Month Certificatecd_30mo3.00% APY3.00%30 moStandard
48-Month Certificatecd_48mo3.00% APY3.00%48 moStandard
18-Month Certificatecd_18mo3.20% APY3.20%18 moStandard
60-Month Certificatecd_60mo3.20% APY3.20%60 moStandard
24-Month Certificatecd_24mo3.20% APY3.20%24 moStandard
60-Month Certificatecd_60mo3.25% APY3.25%60 moStandard
24-Month Certificatecd_24mo3.25% APY3.25%24 moStandard
18-Month Certificatecd_18mo3.25% APY3.25%18 moStandard
$30,000.00 And Greatersavings3.45% APY3.45%—Standard
MyLife Tiered Savings ($30,000.00 and greater)savings3.50% APY3.50%—Standard
Featured Rates (Tiered Savings)savings3.50% APY3.50%—Standard
Featured Rates (6 Mth CD)cd_6mo3.75% APY3.75%6 moStandard

As of August 4, 2026, Cranston Municipal Employees Credit Union offers a 30-year fixed mortgage at 6.5% APR. Auto loans available from 4.49% APR for 48 months. HELOC rates from 5.99% APR. Personal loan rates from 4.1% APR. Savings and certificate yields up to 3.75% APY.

Source: RateAPI.dev, verified from Cranston Municipal Employees Credit Union's official website

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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. 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.

Coastal1Sockanosset Crossroad Branch · Cranston · RI · 02920-5566Branch in the same ZIPNavigantCranston · Cranston · RI · 02920Branch in the same ZIPRhode IslandRhode Island Credit Union · Cranston · RI · 02910-4414About 1.6 miles awayWaveBranch-Warwick Ave · Warwick · RI · 02888-4109About 3.2 miles awayGreenwoodOperations Center · Warwick · RI · 02886-3003About 4.6 miles awayOcean StateProvidence Branch · Providence · RI · 02903-2525About 4.6 miles away

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.

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. Final membership determination is always made by the credit union.

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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 August 4, 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 August 4, 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.

What is Cranston Municipal Employees Credit Union's mortgage rate?

As of August 4, 2026, Cranston Municipal Employees Credit Union offers a 30-year fixed mortgage at 6.5% APR.

What are Cranston Municipal Employees Credit Union's auto loan rates?

As of August 4, 2026, Cranston Municipal Employees Credit Union offers auto loans from 4.49% APR.

What is Cranston Municipal Employees Credit Union's HELOC rate?

As of August 4, 2026, Cranston Municipal Employees Credit Union offers home equity lines of credit from 5.99% APR.

What is Cranston Municipal Employees Credit Union's personal loan rate?

As of August 4, 2026, Cranston Municipal Employees Credit Union offers personal loans from 4.1% APR.

What is Cranston Municipal Employees Credit Union's best CD rate?

As of August 4, 2026, Cranston Municipal Employees Credit Union offers savings and certificate (CD) yields up to 3.75% APY.

Related Rate Data

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

More Rhode Island credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

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

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Methodology

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# Get rates for Cranston Municipal Employees Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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