Featured Savings Rates
Featured Accounts

CINCO Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
513-281-9988
49 William Howard Taft Rd
Cincinnati, OH 45219

CINCO Credit Union is headquartered in Cincinnati and is the 58th largest credit union in the state of Ohio. It is also the 1,479th largest credit union in the nation. It was established in 1936 and as of June of 2017, it had grown to 26 employees and 11,470 members at 2 locations. CINCO Credit Union has a B+ 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 (4)

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.

This Company Is A Nightmare

I don't even know where to begin. I normally don't leave reviews or complain about things like this but my experience with this company has been so horrible that I feel like I need to share. First of all, when I opened my account the lady who set it up somehow had it that $100 a month transferred from my savings to checking, which is not what I even remotely asked for. It also screwed me over because I didn't know what was going on at first, and ended up spending some money that was supposed to be saved. In addition to this, the website began to really inconvenience me because it constantly made me change my password. It won't even let you access your account until you do it, and it has to be done on a computer. This is really annoying especially if you only have your phone on hand and you need to check your account. It seemed to be happening almost every couple months which, to me, is excessive and inconvenient. It's aggravating enough that there's no app for this bank and you have to log in every time, changing the password made it so much more frustrating. Worst of all, the ATM. I go to the glenway location, so this may be true for just my location. But either way, it's unacceptable. TWICE, I have gone to the ATM to withdraw cash and it has literally shut down. A Windows computer screen flashes and the ATM menu goes away, and it literally says "shutting down." Both occasions happened to be on days when I needed cash specifically for something, so this was a complete inconvenience that is just unacceptable in my opinion. How does a company even let that happen? And to me since it happened twice just to me, that makes it seem as though it's happening fairly regularly to other customers as well. Just completely unacceptable. There are other minor annoyances, such as the horrible quality of the cards I've been given, but I won't even go into that because I'd be going on for days. This company is truly a nightmare and I don't understand how it's even possible to have this horrible of service.

Dissatified

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
B+

Health Grade Components

Overall
NCUA #68481
Year Chartered1936
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD2.79%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$115.0MM$113.7MM
LoansQ2 2017vs Q2 2016$66.0MM$70.3MM
DepositsQ2 2017vs Q2 2016$105.2MM$103.7MM
Equity CapitalQ2 2017vs Q2 2016$8.8MM$8.7MM
Loan Loss AllowanceQ2 2017vs Q2 2016$244.00K$267.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$76.00K$524.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$116.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

CINCO Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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