Cinfed Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.cinfed.com

513-333-3800

4801 Kennedy Avenue
Cincinnati, OH 45209

Cinfed Federal Credit Union is headquartered in Cincinnati and is the 10^th largest credit union in the state of Ohio. It is also the 557^th largest credit union in the nation. It was established in 1975 and as of March of 2025, it had grown to 145 employees and 38,189 members at 10 locations. Cinfed Federal Credit Union's CD rates are 4X the national average, and it boasts 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

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	21930
Year Chartered	1975
Employees	145
Primary Regulator

Profit Margin
Return on Assets - YTD	0.46%
Return on Equity - YTD	4.21%
Annual Interest Income	$9.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$773.1MM$743.6MM
Loans	Q1 2025vs Q1 2024	$609.9MM$556.5MM
Deposits	Q1 2025vs Q1 2024	$651.7MM$619.8MM
Equity Capital	Q1 2025vs Q1 2024	$83.2MM$73.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.8MM$5.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.7MM$1.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cinfed Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$0	-	Kasasa Saver
2.00%	$0	-	Health Savings Account Checking
0.05%	$0	-	Main Share
0.05%	$0	-	Christmas Club
0.05%	$0	-	Go Account
0.05%	$0	-	Health Savings Account (HSA)

Cinfed Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.25%^*	$1m^*	-	Super Share
OTHER TIERS: 2.00% → $0 - $50k \| 2.25% → $50k - $100k \| 2.50% → $100k - $500k \| 3.00% → $500k - $1m

Cinfed Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%^*	$0	$20k	Kasasa Cash
OTHER TIERS: 0.50% → $20k+

Cinfed Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.25%	$500	$25k	25 Month CD Special
4.20%	$50	-	18 Month Legacy CD
4.00%	$500	-	3 Month CD
4.00%	$500	-	6 Month CD
4.00%	$500	-	12 Month CD
4.00%	$50	$20k	30 Month Smart30 CD
3.90%	$500	-	24 Month CD
3.80%	$500	-	36 Month CD
3.80%	$500	-	48 Month CD
3.80%	$500	-	60 Month CD

Cinfed Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$0	-	IRA Passbook

Locations

Cities: Cincinnati, Covington, Florence, Ft Wright

Cincinnati Branches
Branch Office	550 Main St Room 5510	Cincinnati, OH 45202
Branch Office	925 Main St	Cincinnati, OH 45202
Branch Office	7661 Reading Rd	Cincinnati, OH 45237-3203
Branch Office	5147 Glencrossing Way	Cincinnati, OH 45238
Corporate Office	4801 Kennedy Avenue	Cincinnati, OH 45209
Branch Office	4450 Eastgate Blvd Spc No255	Cincinnati, OH 45245
Branch Office	3688 Springdale Rd	Cincinnati, OH 45251

Covington Branches
Branch Office	333 Scott St	Covington, KY 41011

Florence Branches
Branch Office	7170 Turfway Rd	Florence, KY 41042

Ft Wright Branches
Branch Office	15 George Huser Dr	Ft Wright, KY 41011-2670

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