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Overview / Commentary
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 1,456th largest credit union in the nation. It was established in 1936 and as of September of 2016, it had grown to 30 employees and 11,644 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 (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 - YTD0.09%
Return on Equity - YTD1.21%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$114.0MM$114.9MM
LoansQ3 2016vs Q3 2015$70.1MM$71.7MM
DepositsQ3 2016vs Q3 2015$104.2MM$106.0MM
Equity CapitalQ3 2016vs Q3 2015$8.7MM$8.7MM
Loan Loss AllowanceQ3 2016vs Q3 2015$271.00K$331.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$472.00K$586.00K
Real Estate OwnedQ3 2016vs Q3 2015$495.00K$0

Rates for CINCO Credit Union are currently being reviewed.


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