My Account

What are some key features of SmartHub®?

Pay your bill online. Report an outage online. View an image of your bill. View your billing history. Update your contact information. View daily usage. Sign up for email, text and mobile notifications.

When you log in, you’ll be able to view your billing history and easily make a payment. You will also be able to see your current bill, along with bills from the previous month or even the previous summer, if you want to compare costs. Not only will you see your billing history, but you’ll be able to view your actual electricity use. You can see how your usage is trending over time, which will allow you to take steps to reduce your consumption and lower your bill.

How do I get the app for my phone?

Simply look for our name in the Apple Store® or in Google® Play. Search: SmartHub (not case sensitive but must be all one word), if duplicates appear the correct App is provided by our partner, National Information Solutions Cooperative.

Person reviewing their monthly bill at a table

Electric Rates

Effective September 1, 2023

Current Rates Rates Effective Oct. 1, 2023

2023: Jan | Feb | Mar | Apr | May | Jun | Jul | Aug

2022: Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec

2021: Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec

2020: Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec

Residential Bill Calculator

Calculator for estimate only. Additional monthly charges such as the customer charge, security lights or recurring contributions to Project Help are not included in this calculation. Move the slider to calculate your bill based on kilowatt usage to see your estimated energy cost.

kWh usage

Rate Calculator

kWh

Man and woman at a desk checking their bills next to a laptop

Billing Options

CEMC has flexible billing options to help you manage your account:

Traditional billing is simply that, traditional. Under traditional billing, members receive a bill each month for the energy consumed during their most recent billing period.

Great for those that are on a budget or simply do not like large variations in their bill month to month. Levelized bills are calculated as the average of the previous 12 month’s energy usage (kWh) multiplied by the current CEMC residential rate plus the current TVA Fuel Cost Adjustment amount. Any applicable additional charges will be added to this averaged amount to calculate the total amount due. To enroll in the program, a member must have had continuous service at the home for at least twelve (12) months with no returned checks and/or not more than one (1) late payment. For more information, contact our Member Services Department at 800-987-2362.

Looking for an alternative to traditional, monthly billing and like the control pay-as-you go programs offer? Prepaid billing allows you to add money to your account before electricity is consumed. This is a great billing option for those who prefer to pay as they go, are looking to reduce a security deposit requirement, or need to make arrangements on an existing account balance. Account balances can be monitored via SmartHub®, and we will even send a notification when the account balance is low. Some limitations apply. Contact us at 800-987-2362 to learn more.

Pay when it’s convenient. Available for traditional and levelized billing, set your due date as the 5th, 10th, 15th, 20th, or 25th of the month. Contact us at 800-987-2362 to set your preferred due date.

Account FAQs

Information to help you better navigate your CEMC account.

View All FAQs

Rates have seasonal energy components —that is, metered kilowatt-hours will have a different cost associated with summer, winter and transition (spring-fall) months.

TVA generates the electricity used by nearly 10 million consumers across the seven-state Tennessee Valley. TVA sells its power to 153 local power companies (like CEMC) that in turn distribute the power to the homes and businesses of the Valley.

As the fuel costs vary from month to month, TVA uses the FCA to pass along increases and decreases in fuel costs to customers. The FCA calculation works by capturing the difference between the amount that TVA forecasts to pay for fuel during a given month and the amount collected through rates.

As a not-for-profit member-owned cooperative, CEMC must pass this energy cost on to our members.

TVA began using the FCA in October 2006 after a spike in fuel costs caused by Hurricanes Katrina and Rita the previous year. The FCA ensures TVA recovers costs as they occur, helping TVA better match its revenues to expenses as a not-for-profit energy producer.

Like every other power company in the Tennessee Valley, CEMC has no control over the fuel cost adjustment, and it is a penny-for-penny pass-through – every penny collected for the FCA goes directly to TVA.

You can estimate your monthly bill by using our Online Rate Calculator.

It’s important to keep in mind your bill is the result of not just the cost of energy, but also the amount of energy you use. By controlling your usage, you control your bill and your cost. You only pay for what you use.

Whether you have to pay a deposit depends on:
• Your payment record, if you have had service with CEMC.
• Your credit check, if you have not previously had service with us. CEMC uses Online Credit Exchange to provide a credit evaluation unique to utilities, the deposit decision is based on the risk evaluation. It is a “soft” inquiry and does not affect your credit score.
• The amount will be two times the average bill at the location or $250 dollars if there is no billing history at the location.
• May be paid over the phone with a credit/debit card
• May be paid in the District office with cash, money order, or check payable to CEMC, or credit/debit card.

Refund of Deposit: On residential services the security deposit is refunded after 36 months with no late payments or refunded on the final bill if the member moves out of our service area. On commercial and industrial services the security deposit is held until the account is closed.

If I move do I have to pay another deposit? We will transfer your deposit to your new location provided service can be disconnected within 3 days at the former location. Past due balances must be paid upon transfer.

We have implemented a redesigned electric bill format. The design incorporates new, more detailed information such as average daily use and presents existing electric bill information in a more streamlined manner. View an interactive explanation of your electric bill here.

Bank Draft Payment:  Automatically drafted from your checking/savings account each month on your due date. Enroll via SmartHub®, visit any CEMC office, or call 800-987-2362 to set up.
E-Check by Phone or SmartHub®: You can make a payment using your banking information and save for future payments with no additional fees.
Credit / Debit Card by Phone:  Pay your bill by phone using your credit card or debit card. There is no fee for this service.
Mail:  Mail your payment in the return envelope included with your monthly statement.
SmartHub®:  Pay your bill online via one-time credit/debit card, or set up recurring payments for no additional fee.
Cash at Local Retailers: We offer cash payments on your CEMC bill at many local retailers. Use the SmartHub® app to find a participating retailer, show the barcode at checkout and make a cash payment (service charges apply).
District offices:  You may make a payment at our district offices M-F 7:30 a.m. – 4:00 p.m. (except holidays). For your convenience each district office is equipped with a payment Kiosk station that accepts credit/debit card or cash 24/7. (Kiosk is unable to provide change on cash payment. Any overage is credited to the account.)
Other Billing Questions

The due date noted on the bill is 15 days after the bill was mailed from CEMC. If the bill is not paid by the due date, it is subject to disconnection after 5 business days.

CEMC does not extend the Disconnect Date or offer payment arrangements. Members may choose to enroll in Pre-Paid Meter (PPM) Billing or be directed to contact a local Energy Assistance Agency for help paying a delinquent bill. Members may also apply for Medical Hardship status where applicable.

Occasionally, scammers will pose as CEMC/Cumberland Connect attempting to get payment from you.

Know that CEMC/Cumberland Connect will NEVER call you and ask for banking or payment information.

If you receive a call from someone pretending to be CEMC, do not give out any personal or banking information. Hang up! If you are unsure, call us.

As always, you can make a secure payment by calling (800) 987-2362 or using the SmartHub® app.

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