Cinfed Federal Credit Union

Overview / Commentary
4801 Kennedy Avenue
Cincinnati, OH 45209

Cinfed Federal Credit Union is headquartered in Cincinnati and is the 10th largest credit union in the state of Ohio. It is also the 567th largest credit union in the nation. It was established in 1975 and as of September of 2023, it had grown to 124 employees and 38,369 members at 9 locations. Cinfed Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Cinfed Credit Union is open to those who in live, work, worship, or regularly conduct business in the Kentucky counties of Boone, Bracken, Gallatin, Grant, Kenton, Pendleton, or Campbell; the Ohio counties of Brown, Butler, Clermont, Dearborn, Hamilton, or Warren; or Union County in Indiana.
See current membership details

Reviews (2)

Good online banking

Posted by: |

I have been a member of this credit union for years and am very satisfied with their service. I do the vast majority of my banking online and I find their website to be very easy to use and helpful. My only complaint is the few number of locations this credit union has. I wish there was more locations for the few times I need to go to the bank for something I can't do online.

Declining Convenience And Service

CINFED has very reasonable terms and a minimum of fees. When you can reach a staff member, they are generally very helpful. For that reason, I gave an overall rating of 3. However, after more than 25 years, I am moving my banking elsewhere to reduce frustration and inconvenience.

CINFED had previously been a member of the PNC ATM network, which offered numerous transaction opportunities throughout Ohio and other states plus DC. Many were drive-through and most (if not all) permitted deposits to be made as well as cash withdrawals. Recently, CINFED moved to the Allpoint network. None of the ATMs in that network that I've found permitted deposits and none were drive-through. Instead, I would have to go to a gas station, restaurant, drugstore, etc. that meant an extra stop in my day.

Additionally, all recent calls to CINFED involved inordinate wait times. You can save your place in line by leaving your number and get a callback but that generally has been more than 30 minutes later and only works if you are doing nothing else at the time.

I also do not find their monthly statements to be user friendly. The format includes extraneous information with online payments that makes finding things more difficult than need be.

If you work at a location that has a CINFED office and do not travel much, this might be a good choice for you. However, retirees and people whose whole family use CINFED may find their current method of operation too limiting.


Health Grade Components

NCUA #21930
Year Chartered1975
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD8.95%
Annual Interest Income$22.8MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$724.4MM$689.4MM
LoansQ3 2023vs Q3 2022$551.1MM$517.5MM
DepositsQ3 2023vs Q3 2022$606MM$595.5MM
Equity CapitalQ3 2023vs Q3 2022$67.7MM$63MM
Loan Loss AllowanceQ3 2023vs Q3 2022$4.9MM$3MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$2MM$1.1MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0

Rates for Cinfed Federal Credit Union are currently being reviewed.


Cinfed Federal Credit Union Locations
Branch Office550 Main St Room 5510Cincinnati, OH 45202
Branch Office925 Main StCincinnati, OH 45202
Branch Office7661 Reading RdCincinnati, OH 45237-3203
Branch Office15 George Huser DrFt Wright, KY 41011-2670
Branch Office333 Scott StCovington, KY 41011
Branch Office7170 Turfway RdFlorence, KY 41042
Branch Office5147 Glencrossing WayCincinnati, OH 45238
Corporate Office4801 Kennedy AvenueCincinnati, OH 45209
Branch Office4450 Eastgate Blvd Spc No255Cincinnati, OH 45245

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