How to Join CMECU

Chicago Municipal Employees Credit Union (CMECU) is a not-for-profit, federally insured financial institution chartered in 1926 to provide members with a safe place to save and borrow at favorable rates. The credit union is owned by its members, and operated by a professional staff that is overseen by a volunteer board of directors. CMECU has approx. 18,000 members.

Membership as always is open to all employees of the City of Chicago and its sister agencies. Metra employees and Metra riders who live, work or worship in CMECU's geographical service area. AS OF January 1st, 2019, if you work or live in Cook County (residents, employees employers and family members) within the following boundaries, North boundary is Central Ave., West boundary is Cook County/Will County/DuPage County intersection, then following Cook County border straight north intersecting with Central Road, East is Lake Michigan and South Cook County border.

Why pay big bank rates and endless user fees? Become a CMECU Member and start saving today!


You can also join by completing an Enrollment Form, and bring them to CMECU along with a cash, check or money order for $25.00, (a $25.00 minimum deposit), proof of membership, and unexpired Government issued ID.

Thank you for your interest in Chicago Municipal Employees Credit Union. We welcome the opportunity to serve you.

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