Cincinnati Federal

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Overview / Commentary

www.cincinnatifederal.com

513-574-3025

6581 Harrison Avenue
Cincinnati, OH 45247

Cincinnati Federal is headquartered in Cincinnati and is the 86^th largest bank in the state of Ohio. It is also the 2,800^th largest bank in the nation. It was established in 1922 and as of September of 2021, it had grown to 80 employees at 6 locations. Cincinnati Federal has an A+ health rating.

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2016

12/30 - 24Mo CD 1.52% APY

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Health

A+

Data as of Q3 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	28346
Year Established	1922
Employees	80
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.83%
Return on Equity - YTD	5.67%
Annual Interest Income	$6.1MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$248.6MM$232.1MM
Loans	Q3 2021vs Q3 2020	$205.9MM$188.0MM
Deposits	Q3 2021vs Q3 2020	$192.9MM$155.5MM
Equity Capital	Q3 2021vs Q3 2020	$36.3MM$32.9MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$1.7MM$1.5MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$130.00K$175.00K
Real Estate Owned	Q3 2021vs Q3 2020	$0$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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$50k^*	-	Premier Interest Savings
OTHER TIERS: 0.15% → $2.5k - $50k
0.15%^*	$25k^*	-	Interest Plus IRA
OTHER TIERS: 0.05% → $200 - $2.5k \| 0.10% → $2.5k - $25k
0.02%	$100	-	Simply Savings

Cincinnati Federal Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$1.5k^*	-	Premier Interest Checking
OTHER TIERS: 0.02% → Up to $1.5k
0.20%	-	-	Business Interest Checking
0.02%	-	-	Direct Interest Checking
0.02%	-	-	50 Plus Interest Checking
0.02%	-	-	Commercial Checking

Cincinnati Federal CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$500	-	48 Month CD
0.60%	$500	-	60 Month CD
0.60%	$500	-	120 Month CD
0.45%	$500	-	36 Month CD
0.35%	$500	-	30 Month CD
0.30%	$500	-	24 Month CD
0.25%	$500	-	18 Month CD
0.20%	$500	-	12 Month CD
0.05%	$500	-	6 Month CD
0.05%	$500	-	9 Month CD

Cincinnati Federal IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$500	-	48 Month IRA
0.60%	$500	-	60 Month IRA
0.60%	$500	-	120 Month IRA
0.45%	$500	-	36 Month IRA
0.35%	$500	-	30 Month IRA
0.30%	$500	-	24 Month IRA
0.25%	$500	-	18 Month IRA
0.25%	-	-	18 Month Variable-Rate IRA
0.20%	$500	-	12 Month IRA
0.05%	$500	-	6 Month IRA
0.05%	$500	-	9 Month IRA

Locations

Cincinnati Federal Locations
1270 Nagel Road Branch	1270 Nagel Road	Cincinnati, OH 45255
Price Hill Branch	4310 Glenway Avenue	Cincinnati, OH 45205
Cincinnati Federal Savings and Loan Association	6581 Harrison Avenue	Cincinnati, OH 45247
7553 Bridgetown Road Branch	7553 Bridgetown Road	Cincinnati, OH 45248
6890 Dixie Highway Branch	6890 Dixie Highway	Florence, KY 41042
Covington Br	1050 Scott Street	Covington, KY 41011

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