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Cardinal Credit Union

Popular Accounts at this Credit Union

1.50%Reward CheckingInterest Plus Checking
2.00%5-year CD60 Months CD
1.25%1-year CD12 Months CD

Overview / Commentary
8500 Westport Dr
Mentor, OH 44060

Cardinal Credit Union is headquartered in Mentor and is the 27th largest credit union in the state of Ohio. It is also the 899th largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 83 employees and 33,483 members at 13 locations. Cardinal Credit Union's CD rates are 39% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Cuyahoga, Lake, Geauga, Ashtabula, Portage, Summit, and Mahoning Counties in Ohio.
See current membership details

Reviews (2)

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 #96753
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD4.63%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$244.2MM$243.1MM
LoansQ4 2017vs Q4 2016$185.5MM$169.5MM
DepositsQ4 2017vs Q4 2016$212.5MM$213.4MM
Equity CapitalQ4 2017vs Q4 2016$28.6MM$27.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.5MM$1.2MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.1MM$774.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$198.00K
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* 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

0.50%--IRA Savings Account
0.10%--Savings (Share) Account
0.10%--Holiday Club Accounts

Cardinal Credit Union Money Market Rates

0.40%--Platinum Money Market Savings Accounts
0.30%--Jumbo Money Market Savings Accounts
0.25%--Money Market Savings Accounts

Cardinal Credit Union Checking Account Rates

1.50%*-$15kInterest Plus Checking - Qualifyinig
OTHER TIERS: 0.15% $15k+
0.30%*$50k*-Interest Checking
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k
0.20%*$5k*-Smart Start Checking
OTHER TIERS: 0.10% $500 - $2,500 | 0.15% $2,500 - $5k

Cardinal Credit Union CD Rates

2.00%$500-60 Months CD
1.85%$500-48 Months CD
1.75%$500-36 Months CD
1.55%$500-24 Months CD
1.45%$500-18 Months CD
1.25%$500-12 Months CD
0.90%$500-9 Months CD
0.60%$500-6 Months CD
0.30%$500-3 Months CD

Cardinal Credit Union IRA Rates

2.00%$500-60 Months IRA
1.85%$500-48 Months IRA
1.75%$500-36 Months IRA
1.55%$500-24 Months IRA
1.45%$500-18 Months IRA
1.25%$500-12 Months IRA
0.90%$500-9 Months IRA
0.60%$500-6 Months IRA
0.30%$500-3 Months IRA