Cinfed Federal Credit Union


Overview / Commentary
513-333-3800
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 557th 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

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Health
A+

Health Grade Components

Overall
NCUA #21930
Year Chartered1975
Employees145
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD4.21%
Annual Interest Income$9.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$773.1MM$743.6MM
LoansQ1 2025vs Q1 2024$609.9MM$556.5MM
DepositsQ1 2025vs Q1 2024$651.7MM$619.8MM
Equity CapitalQ1 2025vs Q1 2024$83.2MM$73.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.8MM$5.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.7MM$1.4MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Cinfed Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$20kKasasa Cash
OTHER TIERS: 0.50% $20k+

Cinfed Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$500$25k25 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$20k30 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-IRA Passbook
Locations


Cities: Cincinnati, Covington, Florence, Ft Wright

Cincinnati Branches
Branch Office550 Main St Room 5510Cincinnati, OH 45202
Branch Office925 Main StCincinnati, OH 45202
Branch Office7661 Reading RdCincinnati, OH 45237-3203
Branch Office5147 Glencrossing WayCincinnati, OH 45238
Corporate Office4801 Kennedy AvenueCincinnati, OH 45209
Branch Office4450 Eastgate Blvd Spc No255Cincinnati, OH 45245
Branch Office3688 Springdale RdCincinnati, OH 45251

Covington Branches
Branch Office333 Scott StCovington, KY 41011

Florence Branches
Branch Office7170 Turfway RdFlorence, KY 41042

Ft Wright Branches
Branch Office15 George Huser DrFt Wright, KY 41011-2670

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