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Overview / Commentary
49 William Howard Taft Rd
Cincinnati, OH 45219

CINCO Credit Union is headquartered in Cincinnati and is the 52nd largest credit union in the state of Ohio. It is also the 1,321st largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 36 employees and 13,064 members. CINCO Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Cincinnati and most of the surrounding area which includes Hamilton, Butler and Clermont County, Ohio. Membership requires a minimum balance of $5 in the savings account. - See Details

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Reviews (2)

Pretty Basic Credit Union

I have multiple credit unions. I use Cinco because it is the only CU that I am a member of that is actually located where I live. All other credit unions are remote from me. Internet makes that possible.

Cinco is pretty basic. They have an actual branch by me, but I do most banking via the Internet so I do not go to the branch that often. Even their Internet banking system is pretty basic.

I would put more money there into savings, but the interest rate is one of the lowest in Cincinnati with Kemba CU being the absolute worst in Cincinnati.

So all in all, if you do not need a lot of services and looking for a basic credit union, Cinco is a pretty good choice.

Worst Choice You Could Make

This institution has the most crooked financial practices that I ahve ever experienced in my life. I would warn anyone considering doing business with them to take their money elsewhere.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 CINCO Credit Union had $843,000 in non-current loans and owned real-estate with $9.42 million in equity and loan loss allowances on hand to cover it. This gives CINCO Credit Union a Texas Ratio of 8.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for CINCO Credit Union decreased slightly from 10.30% as of March 31, 2013 to 8.95% as of March 31, 2014, resulting in a positive change of 13.10%.This indicates that the balance sheet and financial strength for CINCO Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, CINCO Credit Union has decreased its total deposits by -$5.36 million, resulting in -4.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CINCO Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CINCO Credit Union has $123.63 million in assets with $9.42 million in equity, resulting in a capitalization level of 7.62%, which is below average.

Institution Statistics

NCUA #68481
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$123.63 million
Loans$73.01 million
Deposits$114.34 million
Equity Capital$8.83 million
Loan Loss Allowance$589,000
Unbacked Noncurrent Loans$833,000
Real Estate Owned$10,000
Historic Data - March 2013
Assets$129.45 million
Equity Capital$9.07 million
Loan Loss Allowance$517,000
Unbacked Noncurrent Loans$833,000
Real Estate Owned$379,000
Profit Margin - Quarterly
Return on Assets-0.14%
Return on Equity-1.9%
Interest Income$929,000

Always verify rates and promotions with the bank or credit union. We are not CINCO Credit Union, we are a rate comparison website and can not provide official rates or promotions.

CINCO Credit Union Savings Account Rates

0.20%$50k-Super Flex Rate IRA
0.20%$50k-Super Flex Rate Roth IRA
0.20%$50k-Super Flex Rate CESA
0.10%--Flex Rate IRA
0.10%--Flex Rate Roth IRA
0.10%--Flex Rate CESA
0.05%$200-Primary Share
0.05%--It's for Me
0.05%--Christmas Club
0.05%--Vacation Club
0.05%--Youth Savings

CINCO Credit Union Money Market Rates

0.20%$30k-Money Market Account

CINCO Credit Union Checking Account Rates

1.51%-$15kWePayU Checking - Qualifying
0.15%$25k-Business Checking
0.10%--WePayU Checking - Non Qualifying
0.10%$2,500-Select Checking
0.10%$2,500-Select Plus Checking
0.10%$2,500-Heritage Checking

CINCO Credit Union CD Rates

1.26%$500$100k60 Month Share Certificate
1.00%$500$100k48 Month Share Certificate
0.80%$500$100k36 Month Share Certificate
0.50%$500$100k24 Month Share Certificate
0.40%$500$100k18 Month Share Certificate
0.30%$500$100k12 Month Share Certificate
0.20%$500$100k6 Month Share Certificate

CINCO Credit Union IRA Rates

1.26%$500$100k60 Month IRA
1.00%$500$100k48 Month IRA
0.80%$500$100k36 Month IRA
0.50%$500$100k24 Month IRA
0.40%$500$100k18 Month IRA
0.30%$500$100k12 Month IRA
0.20%$500$100k6 Month IRA

CINCO Credit Union Locations
Branch Office7466 Beechmont AveCincinnati, OH 45255-4106
Branch Office6321 Glenway AveCincinnati, OH 45211
Main Office49 William Howard Taft RdCincinnati, OH 45219