Cardinal Credit Union

Overview / Commentary
8500 Westport Dr
Mentor, OH 44060

Cardinal Credit Union is headquartered in Mentor and is the 32nd largest credit union in the state of Ohio. It is also the 1,013th largest credit union in the nation. It was established in 1953 and as of June of 2021, it had grown to 69 employees and 25,038 members at 9 locations. Cardinal Credit Union has an A+ health rating.

Field of Membership Restrictions

Cardinal Credit Union offers membership to those who worship, work, go to school or live in Ashtabula, Columbiana, Cuyahoga, Geauga, Lake, Mahoning, Portage, Summit or Trumbull counties.
See current membership details

Reviews (3)

LOVE Cardinal

Love Cardinal in general. Helped me improved my credit score drastically, approved me for a credit card and we're now starting on my first house and mortgage. I've tried a lot of other banks and even credit unions, but no one has given me the attention and experience that I've gotten with Cardinal.

A Great Competitive Banking Institution

Cardinal Community Credit Union is definitely worth checking out. They offer different checking and savings accounts, as well as others, that are at competitive rates. The staff is friendly and courteous all of the time. I probably only ever saw one person who was not as friendly. Almost every staff member keeps candy at their desk for kids when they come in.The facility is clean and pleasant and centrally located within Mentor. Transferring money from savings to checking and vice versa is always extremely easy with minimal fees. The website is fairly easy to handle as well, but not any better than others like Huntington or Chase. As stated previously, they do have great competitive rates, but they're not the best in the area. If you already have a great bank, there's no immediate need to switch. I will say, however, the people working there make it worth using the credit union. Cardinal Community Credit Union is worth looking into if you're ready to switch to some friendly people and easy to handle accounts!


Cardinal Credit Union is THE worst company I have ever had to do business with. I closed my account over a month ago, and got an 800 bill in the mail this week. I have spent hours trying to get this issue cleared and have just been transferred to multiple different people. Many employees have "taken on my case" and I spend a lot of time explaining the situation and each person promises to follow up and then no one ever follows up! Worst customer service I have ever experienced, and you cant trust the company! NEVER EVER EVER do business or trust your money to Cardinal Credit Union!!


Health Grade Components

NCUA #68707
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD1.53%
Return on Equity - YTD12.34%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$276.1MM$253.2MM
LoansQ2 2021vs Q2 2020$193.6MM$192.0MM
DepositsQ2 2021vs Q2 2020$239.4MM$218.8MM
Equity CapitalQ2 2021vs Q2 2020$33.9MM$32.1MM
Loan Loss AllowanceQ2 2021vs Q2 2020$2.3MM$1.3MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$633.00K$1.6MM
Real Estate OwnedQ2 2021vs Q2 2020$52.00K$0
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Always verify rates and promotions with the bank or credit union. We are not Cardinal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cardinal Credit Union Savings Account Rates

0.20%--IRA Savings Account
0.05%$100-Savings (Share) Account
0.05%$100-Holiday Club Account

Cardinal Credit Union Money Market Rates

0.15%$25k-Platinum Money Market Savings Accounts
0.10%$15k-Jumbo Money Market Savings Accounts
0.05%$2.5k-Money Market Savings Accounts

Cardinal Credit Union Checking Account Rates

1.00%*-$15kInterest Plus Checking
OTHER TIERS: 0.05% $15k+
0.15%*$5k*-Smart Start Checking
OTHER TIERS: 0.05% $500 - $2.5k | 0.10% $2.5k - $5k
0.15%*$50k*-Interest Checking
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $50k

Cardinal Credit Union CD Rates

0.35%$500-36 Month CD
0.35%$500-60 Month CD
0.35%$500-48 Month CD
0.25%$500-24 Month CD
0.20%$500-18 Month CD
0.05%$500-3 Month CD
0.05%$500-6 Month CD
0.05%$500-9 Month CD
0.05%$500-12 Month CD

Cardinal Credit Union IRA Rates

0.35%$500-36 Month IRA
0.35%$500-60 Month IRA
0.35%$500-48 Month IRA
0.25%$500-24 Month IRA
0.20%$500-18 Month IRA
0.05%$500-3 Month IRA
0.05%$500-6 Month IRA
0.05%$500-9 Month IRA
0.05%$500-12 Month IRA

Cardinal Credit Union Locations
Branch Office34465 Euclid AveWilloughby, OH 44094
Branch Office625 Lake AveAshtabula, OH 44004
Branch Office8500 Westport DrMentor, OH 44060
Branch Office6733 Reynolds RdMentor, OH 44060
Branch Office7700 Clocktower Dr Bldg AKirtland, OH 44094-5198
Branch Office13000 Auburn RdChardon, OH 44024-9337
Branch Office6000 Mahoning Ave Ste 210Austintown, OH 44515-2242
Branch Office34050 Glen DrEastlake, OH 44095
Branch Office1220 Som Center Rd Unit ACleveland, OH 44124-2002

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