Online Banking Access
Business Bill Pay | Learn More & Sign Up

EndeavorOutstanding Servicemarching bandSlide2

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


Mortgage LoansEqual Housing Lender

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

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


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.








New Scam Alert

There is a new scam involving online banking transfers. Fraudsters transfer money between accounts, then call pretending they need a refund. They ask money to be wired out. Be diligent in checking all of your accounts and ask bank personnel any questions. Watch for red flags such as: asking you to lie to bank personnel, saying they will give you money for your trouble, the person had no reason to give you money. Educate yourself: click on Education Center and Money IQ for information regarding scams.