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Greater Cincinnati Credit Union

Popular Accounts at this Credit Union

1.52%5-year CD5 Years CD
0.25%1-year CD1 Year or Longer HSA
0.05%SavingsRegular Shares

Overview / Commentary
2721 Central Parkway
Cincinnati, OH 45225

Greater Cincinnati Credit Union is headquartered in Cincinnati and is the 63rd largest credit union in the state of Ohio. It is also the 1,631st largest credit union in the nation. It was established in 1934 and as of June of 2016, it had grown to 32 employees and 11,902 members at 5 locations. Greater Cincinnati Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to anyone who has attended school within 100 miles of the city of Cincinnati, Ohio at any time.
See current membership details

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Reviews (2)

Greater Cincinnati School Credit Union

I have been their customer approximately fifteen years.  Every experience with them has been good.  Every employee has been very courteous and efficient, whether I called on the telephone or met them face to face.

Closing My Account, Bank Employees Aren't Friendly

Posted by: Anonymous | Sep 27, 2012

I work 8-5 Monday - Friday at the University of Cincinnati. I have to rush to get over to the central parkway location by the time GCCU closes at 5:30 to do my banking in person. I make it roughly 5 minutes before they close. Everytime I come in at this time everyone is busy closing up and makes me fell like I'm a burden. No one is friendly and the bank employees are too busy dealing with closing procedures. This is the only time I can make it to the bank. I'm closing my account because I don't want to deal with bank employees that lack friendly customer service. And I don't like the banking fees. I've only had my account 3 months and I'm closing it because the bank employees are not friendly and are all to ready to close up before 5:30pm. I understand wanted to leave when it's time to close, I've worked customer service but this bank needs to remember the workers that work get off work at 5:00pm

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Greater Cincinnati Credit Union has a relatively low asset base.

Health Grade Components

NCUA #96722
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.64%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$93.5MM$92.0MM
LoansQ2 2016vs Q2 2015$58.6MM$59.8MM
DepositsQ2 2016vs Q2 2015$86.2MM$84.7MM
Equity CapitalQ2 2016vs Q2 2015$6.9MM$6.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$352.00K$200.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$246.00K$202.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Greater Cincinnati Credit Union Savings Account Rates

0.50%$25-Educational IRA Passbook Account
0.30%$25-Roth IRA Passbook Account
0.25%--Holiday Club
0.25%--Vacation Club
0.20%--Youth Account
0.20%$25-Traditional IRA Passbook Account
0.05%--Regular Shares

Greater Cincinnati Credit Union Money Market Rates

0.25%*$75k*-Money Market Account
OTHER TIERS: 0.15% $2,500 - $50k | 0.20% $50k - $75k

Greater Cincinnati Credit Union CD Rates

2.27%$300-6 Year Diamond Club Members CD
2.02%$300-5 Years Diamond Club Members CD
1.77%$300-6 Years CD
1.77%$1k-6 Years One Up CD
1.52%$300-5 Years CD
1.52%$300-3 Years Diamond Club Members CD
1.31%$300-4 Years CD
1.31%$1k-4 Years One Up CD
1.21%$300-2 Year Diamond Club Members CD
1.01%$300-3 Years CD
1.01%$300-1 Year Diamond Club Members CD
0.80%$300-30 Months CD
0.80%$1k-30 Months One Up CD
0.70%$300$100k2 Years CD
0.65%$100k-6 Month Jumbo CD
0.50%$300-1 Year CD
0.30%$300-6 Months CD
0.25%$2,500-1 Year or Longer HSA

Greater Cincinnati Credit Union IRA Rates

2.27%$300-6 Year Diamond Club IRA
2.02%$300-5 Year Diamond Club IRA
1.77%$300-6 Year IRA
1.77%$1k-6 Year One Up Share IRA
1.52%$300-3 Year Diamond Club IRA
1.52%$300-5 Year IRA
1.31%$300-4 Year IRA
1.31%$1k-4 Year One Up Share IRA
1.21%$300-2 Year Diamond Club IRA
1.01%$300-3 Year IRA
1.01%$300-1 Year Diamond Club Members IRA
0.80%$300-30 Month IRA
0.80%$1k-30 Month One Up Share IRA
0.70%$300$100k2 Year IRA
0.65%$100k-6 Month Jumbo IRA
0.50%$300-1 Year IRA

Greater Cincinnati Credit Union Locations
Branch Office2721 Central PkwyCincinnati, OH 45225
Branch Office7221 Montgomery RdCincinnati, OH 45236
Branch Office6899 Hamilton AveCincinnati, OH 45224
Branch Office3287 Werk RdCincinnati, OH 45211
Branch Office7948 S Mason Montgomery RdMason, OH 45040-8249