Cardinal Credit Union

Overview / Commentary
8500 Westport Dr
Mentor, OH 44060

Cardinal Credit Union is headquartered in Mentor and is the 34th largest credit union in the state of Ohio. It is also the 1,037th largest credit union in the nation. It was established in 1953 and as of September of 2023, it had grown to 68 employees and 23,393 members at 12 locations. Cardinal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Cardinal Credit Union offers membership to those who live, work. worship, or attend school in the Ohio counties of Ashtabula, Columbiana, Cuyahoga, Geauga, Lake, Mahoning, Portage, Summit or Trumbull.
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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 - YTD0.23%
Return on Equity - YTD2%
Annual Interest Income$9.3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$285.5MM$284.2MM
LoansQ3 2023vs Q3 2022$221.4MM$222.5MM
DepositsQ3 2023vs Q3 2022$249.2MM$247.1MM
Equity CapitalQ3 2023vs Q3 2022$32.5MM$31.9MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2.2MM$2.3MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$752K$750K
Real Estate OwnedQ3 2023vs Q3 2022$0$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

2.25%$25k-Platinum Money Market Savings Accounts
1.00%$15k-Jumbo Money Market Savings Accounts
0.50%$2.5k-Money Market Savings Accounts

Cardinal Credit Union Checking Account Rates

1.00%*-$15kInterest Plus Checking
OTHER TIERS: 0.50% $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

5.25%$5k-7 Month CD Special
5.25%$5k-13 Month CD Special
4.50%$500-6 Month CD
4.00%$500-12 Month CD
3.50%$500-18 Month CD
2.50%$500-9 Month CD
2.25%$500-24 Month CD
2.25%$500-36 Month CD
2.25%$500-60 Month CD
2.25%$500-48 Month CD
1.00%$500-3 Month CD

Cardinal Credit Union IRA Rates

5.25%$5k-13 Month IRA Special
5.25%$5k-7 Month IRA Special
4.50%$500-6 Month IRA
4.00%$500-12 Month IRA
3.50%$500-18 Month IRA
2.50%$500-9 Month IRA
2.25%$500-24 Month IRA
2.25%$500-36 Month IRA
2.25%$500-60 Month IRA
2.25%$500-48 Month IRA
1.00%$500-3 Month IRA


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