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CINCO Credit Union

Popular Accounts at this Credit Union

1.51%Reward CheckingWePayU Checking
1.50%5-year CD60 Month Share Certificate
0.60%1-year CD12 Month Share Certificate

Overview / Commentary
49 William Howard Taft Rd
Cincinnati, OH 45219

CINCO Credit Union is headquartered in Cincinnati and is the 57th largest credit union in the state of Ohio. It is also the 1,462nd largest credit union in the nation. It was established in 1936 and as of December of 2016, it had grown to 31 employees and 11,584 members at 2 locations. CINCO Credit Union has a C+ health rating.

Field of Membership Restrictions

CINCO Credit Union is open to the residents, people that maintain employment, people that attend church, and the registered students in Cincinnati as well as theses Ohio Counties; Hamilton, Butler, and Clermont. Membership eligibility also extends to include the current employees and retirees of the CU-affiliated SEG's, family members and household occupants of current CU members.
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Reviews (3)

Pretty Basic Credit Union

Posted by: jdb | May 9, 2012

I have multiple credit unions. I use Cinco because it is the only CU that I am a member of that is actually located where I live. All other credit unions are remote from me. Internet makes that possible.

Cinco is pretty basic. They have an actual branch by me, but I do most banking via the Internet so I do not go to the branch that often. Even their Internet banking system is pretty basic.

I would put more money there into savings, but the interest rate is one of the lowest in Cincinnati with Kemba CU being the absolute worst in Cincinnati.

So all in all, if you do not need a lot of services and looking for a basic credit union, Cinco is a pretty good choice.


Posted by: medco775 | Feb 12, 2016

Been a member since 1976.I have seen this credit union start charging for everything but charging 12.00 for a atm card is the last straw.On 03/01/16 Huntington will have all my accounts.

Worst Choice You Could Make

Posted by: customer | Jul 28, 2010

This institution has the most crooked financial practices that I ahve ever experienced in my life. I would warn anyone considering doing business with them to take their money elsewhere.


Health Grade Components

NCUA #68481
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.08%
Return on Equity - YTD1.05%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$113.7MM$115.4MM
LoansQ4 2016vs Q4 2015$70.0MM$71.4MM
DepositsQ4 2016vs Q4 2015$103.6MM$106.3MM
Equity CapitalQ4 2016vs Q4 2015$8.7MM$8.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$284.00K$276.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$663.00K$516.00K
Real Estate OwnedQ4 2016vs Q4 2015$497.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CINCO Credit Union Savings Account Rates

0.20%*$50k*-Super Flex Rate IRA
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k
0.20%*$50k*-Super Flex Rate Roth IRA
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k
0.20%*$50k*-Super Flex Rate CESA
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k
0.10%--Flex Rate IRA
0.10%--Flex Rate Roth IRA
0.10%--Flex Rate CESA
0.05%$200-Primary Share
0.05%--It's for Me
0.05%--Christmas Club
0.05%--Vacation Club
0.05%--Youth Savings

CINCO Credit Union Money Market Rates

0.20%*$30k*-Money Market Account
OTHER TIERS: 0.10% $200 - $10k | 0.15% $10k - $30k

CINCO Credit Union Checking Account Rates

1.51%*-$15kWePayU Checking
OTHER TIERS: 0.20% $15k+
0.15%*$25k*-Business Checking
OTHER TIERS: 0.05% $1,500 - $10k | 0.10% $10k - $25k

CINCO Credit Union CD Rates

1.50%$500$100k60 Month Share Certificate
1.25%$500$100k48 Month Share Certificate
1.00%$500$100k36 Month Share Certificate
0.85%$500$100k24 Month Share Certificate
0.70%$500$100k18 Month Share Certificate
0.60%$500$100k12 Month Share Certificate
0.35%$500$100k6 Month Share Certificate

CINCO Credit Union IRA Rates

1.50%$500$100k60 Month IRA
1.25%$500$100k48 Month IRA
1.00%$500$100k36 Month IRA
0.85%$500$100k24 Month IRA
0.70%$500$100k18 Month IRA
0.60%$500$100k12 Month IRA
0.35%$500$100k6 Month IRA

CINCO Credit Union Locations
Branch Office6321 Glenway AveCincinnati, OH 45211
Main Office49 William Howard Taft RdCincinnati, OH 45219