2. Cinfed Federal Credit Union

Cinfed Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.00%Reward Checking
2.09% - National Average
1.00%Reward Savings
0.96% - National Average
3.10%5-year CD
3.10% - American Express National Bank 60 Month CDAdvertisement
View all Cinfed Federal Credit Union rates »

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 12th largest credit union in the state of Ohio. It is also the 609th largest credit union in the nation. It was established in 1975 and as of September of 2018, it had grown to 115 employees and 35,981 members at 8 locations. Cinfed Federal Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attends school in or regularly conduct business in Hamilton, Kenton, Campbell and Boone Counties.
See current membership details

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Reviews (2)

Good online banking

Posted by: Sam2 | Aug 13, 2014

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.

1

Declining Convenience And Service

Posted by: Bonnie Esrig | Aug 3, 2015

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.

1


Health
A

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #21930
Year Chartered1975
Employees115
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD10.36%
Annual Interest Income$13.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$446.6MM$415.8MM
LoansQ3 2018vs Q3 2017$365.4MM$336.0MM
DepositsQ3 2018vs Q3 2017$363.4MM$338.4MM
Equity CapitalQ3 2018vs Q3 2017$49.4MM$44.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$3.7MM$3.9MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$3.7MM$3.7MM
Real Estate OwnedQ3 2018vs Q3 2017$150.00K$65.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cinfed Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$20kKasasa Saver
OTHER TIERS: 0.50% → $20k+
0.50%--IRA Passbook
0.50%--Health Savings Account (HSA)
0.05%--Main Share
0.05%--Christmas Club
0.05%--Go Account

Cinfed Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%*$100k*-Super Share
OTHER TIERS: 0.90% → Up to $50k | 1.15% → $50k - $100k

Cinfed Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$20kKasasa Cash
OTHER TIERS: 0.50% → $20k+

Cinfed Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%$500-60 Month CD
3.10%$500-60 Month HSA CD
2.85%$500-48 Month CD
2.85%$500-48 Month HSA CD
2.60%$500-36 Month CD
2.60%$500-36 Month HSA CD
2.50%$50$20k30 Month Smart30 CD
2.35%$500-24 Month CD
2.35%$500-24 Month HSA CD
2.10%$500-12 Month CD
2.10%$500-12 Month HSA CD
1.80%$500-6 Month CD
1.80%$500-6 Month HSA CD
1.50%$500-3 Month CD
1.50%$500-3 Month HSA CD

Cinfed Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%$500-60 Month IRA
2.85%$500-48 Month IRA
2.60%$500-36 Month IRA
2.35%$500-24 Month IRA
2.10%$500-12 Month IRA
1.80%$500-6 Month IRA
1.50%$500-3 Month IRA
Locations


Cinfed Federal Credit Union Locations
Branch Office15 George Huser DrFt Wright, KY 41011-2670
Branch Office333 Scott StCovington, KY 41011
Branch Office7170 Turfway RdFlorence, KY 41042
Branch Office550 Main St Room 5510Cincinnati, OH 45202
Branch Office830 Main StCincinnati, OH 45202
Branch Office7661 Reading RdCincinnati, OH 45237-3203
Branch Office5147 Glencrossing WayCincinnati, OH 45238
Corporate Office4801 Kennedy AvenueCincinnati, OH 45209

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