2. Cincinnati Federal

Cincinnati Federal


Overview / Commentary
www.cincinnatifederal.com
513-574-3025
6581 Harrison Avenue
Cincinnati, OH 45247

Cincinnati Federal is headquartered in Cincinnati and is the 83rd largest bank in the state of Ohio. It is also the 2,918th largest bank in the nation. It was established in 1922 and as of December of 2018, it had grown to 54 employees at 7 locations. Cincinnati Federal's savings rates are 3X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #28346
Year Established1922
Employees54
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.37%
Annual Interest Income$7.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$198.1MM$170.8MM
LoansQ4 2018vs Q4 2017$171.7MM$149.3MM
DepositsQ4 2018vs Q4 2017$144.5MM$116.6MM
Equity CapitalQ4 2018vs Q4 2017$23.0MM$18.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.4MM$1.4MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$744.00K$153.00K
Real Estate OwnedQ4 2018vs Q4 2017$102.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cincinnati Federal Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$50k*-e-Savings
OTHER TIERS: 0.02% → $200 - $1k | 0.05% → $1k - $5k | 0.10% → $5k - $50k
0.25%*$25k*- Interest Plus IRA
OTHER TIERS: 0.10% → $200 - $2.5k | 0.15% → $2.5k - $25k
0.15%*$25k*-Interest Plus Statement Savings
OTHER TIERS: 0.05% → $2.5k - $25k
0.05%*$5k*-Statement Savings
OTHER TIERS: 0.02% → $200 - $5k
0.01%$25-Holiday Savings

Cincinnati Federal Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$25k*-Direct Plus Checking
OTHER TIERS: 0.05% → Up to $10k | 0.20% → $10k - $25k
1.00%*$25k*-Corporate Plus Checking
OTHER TIERS: 0.25% → $500 - $10k | 0.50% → $10k - $25k
0.02%--50 Plus Checking

Cincinnati Federal CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.73%$500-30 Month CD
2.73%$500-48 Month CD
2.73%$500-60-120 Month CD
2.73%$500-36 Month CD
2.73%$500-27 Month CD Special
2.52%$500-24 Month CD
2.47%$500-18 Month CD
2.27%$500-15 Month CD
2.02%$500-12 Month CD
1.51%$500-9 Month CD
0.75%$500-6 Month CD
0.25%$500-3 Month CD

Cincinnati Federal IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.73%$500-27 Month IRA
2.73%$500-30 Month IRA
2.73%$500-48 Month IRA
2.73%$500-60-120 Month IRA
2.73%$500-36 Month IRA
2.52%$500-24 Month IRA
2.47%$500-18 Month IRA
2.27%$500-15 Month IRA
2.02%$500-12 Month IRA
1.51%$500-9 Month IRA
0.75%$500-6 Month IRA
0.25%--18 Month Variable-Rate IRA
Locations


Cincinnati Federal Locations
6890 Dixie Highway Branch6890 Dixie HighwayFlorence, KY 41042
Covington Br1050 Scott StreetCovington, KY 41011
1270 Nagel Road Branch1270 Nagel RoadCincinnati, OH 45255
Price Hill Branch4310 Glenway AvenueCincinnati, OH 45205
Cincinnati Federal Savings and Loan Association6581 Harrison AvenueCincinnati, OH 45247
7553 Bridgetown Road Branch7553 Bridgetown RoadCincinnati, OH 45248

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