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Welcome to Cumberland Federal Bank

Cumberland Federal Bank is a locally owned and controlled mutual community bank that is focused on safety, soundness, and exceptional customer and community service.  Our customers are truly the Number One Priority at Cumberland Federal Bank.  Lenders are available at nontraditional times, loan decisions are made locally and our staff will assist you to achieve your financial goals.

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Person-to-Person Payments Available Now!

  Click on "Zelle" for additional information.


Ladysmith Branch


Cumberland Federal Bank


Cumberland Federal Bank is pleased to be a part of the Ladysmith community. With over 85 years of serving the Cumberland area, Cumberland Federal Bank looks forward to supporting the thriving commercial small business enterprises, community organizations and families that call Ladysmith home. Located at 312 W. 9th Street, North, Cumberland Federal Bank is a full service bank providing commercial banking services and traditional banking products with friendly exceptional service. Cumberland Federal Bank is now open Ladysmith to serve you.


To continue to keep our customers and staff safe and well, our lobby will remain closed at this time. If you need to conduct business that requires you to come into the building, please call and we will make arrangements. 


The drive-thru, ATM and night deposit are open.
We encourage you to use our online tools from the control of your home or business, including Internet Banking, Transfer Now, Mobile Banking, Bill Pay, Zelle Person to Person payments, Mobile Deposit and Telebanking.


Thank you for your patience, understanding and continued trust. Stay informed by visiting our website.