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local decisions

Personal Loans

Your Cumberland Federal Bank lenders have a commitment to the community we serve.  We are your friends, your neighbors, your partners in the development and prosperity of Cumberland.  You can depend on us to do what's right for you and the community.  Also, because we're locally owned and operated, we make decisions 
right here in town.  You won't have to wait for approval from a far-off manager in a distant state who doesn't know you or understand your needs, conditions and

  • New and Used Auto Loans.
  • Recreational Vehicle Loans.
  • Boat, Motor, Trailer Loans.
  • Snowmobile & ATV Loans.

Cumberland Federal Bank provides quick, personal service with very competitive interest rates and terms.

Our Lenders are also available during non-banking hours.

Contact us today 715-822-2249 or email us at


Loan application       Loan Pre-Qualification:   Click here to process a loan pre-qualification                                          submission.



Mortgage LoansEqual Housing Lender

As specialists in mortgage financing, we can provide all your mortgage needs.

  • Affordable Home Loans
  • Refinancing
  • Lot & Construction
  • Vacation Properties
  • Recreational Land Loans
  • Lines of Credit

Application available here----Uniform Residential Loan Application 1003

Pre-purchase Approvals Available.

Our interest rates are very competitive and our closing costs are some of the lowest in our market area.  We are flexible on amortization and down payment requirements.  Let our experienced lenders assist you with your mortgage financing.  We take pride in providing quick and convenient service to our customers. 

Our Lenders are also available during non-banking hours.

Contact us today 715-822-2249 or email us at


Watch out for

Bank imposter Scam


A scammer, having obtained your sign on information via a data breach or other means, impersonates a representative from Cumberland Federal Bank. The scammer calls or texts you claiming that suspicious activity has been detected on your account, saying he needs your password & answers to your challenge questions to verify your identity.

The scammer will then sign on to online banking with your sign on information, which permits the scammers device to be accepted. If you provide him with the password & answers to the challenge questions, you may be giving him the keys to access to your account, enabling him to perform fraudulent transactions, such as sending money to the scammer.

What you can do

  • Watch out for scammers who may be able to spoof a phone number so the caller ID reads “Cumberland Federal Bank”
  • If the request came by mail or email, verify it with a phone call to Cumberland Federal Bank. 
  • Always use the contact information that you have on file to verify the requestor.  Never use the contact information that comes with the request.
  • If you are uncomfortable with a request received via phone call or text that you didn’t initiate, don’t respond and hang up immediately. Then, contact the company using legitimate sources such as a phone number on the company’s website. If the caller claims to be from Cumberland Federal Bank, call 1-715-822-2249 to verify the authenticity of the request.
  • Reconcile your accounts daily.  If you spot an unauthorized transaction or unusual activity, notify Cumberland Federal Bank immediately.


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