Greater Cincinnati Credit Union

Overview / Commentary
7221 Montgomery Rd
Cincinnati, OH 45236

Greater Cincinnati Credit Union is headquartered in Cincinnati and is the 64th largest credit union in the state of Ohio. It is also the 1,627th largest credit union in the nation. It was established in 1934 and as of March of 2024, it had grown to 28 employees and 8,948 members at 4 locations. Greater Cincinnati Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Greater Cincinnati Credit Union is open to anyone who: 1) has attended school within 100 miles of the city of Cincinnati, Ohio at any time; 2) lives or works in the North College Hill community; 3) works for any of the sponsor organizations, including: Cincinnati State Technical & Community College, Cincinnati Public Schools, Moeller High School, Hebrew Union College, Kings Local Schools, Mason City Schools, Ursuline Academy, or Cincinnati Hills Christian Academy; 3) is immediate family of credit union members.
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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

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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


Health Grade Components

NCUA #96722
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD1.92%
Return on Equity - YTD17.65%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$126.2MM$130.7MM
LoansQ1 2024vs Q1 2023$57.3MM$57.2MM
DepositsQ1 2024vs Q1 2023$111.7MM$120MM
Equity CapitalQ1 2024vs Q1 2023$13.7MM$10MM
Loan Loss AllowanceQ1 2024vs Q1 2023$232K$244K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$268K$69K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not Greater Cincinnati 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.

Greater Cincinnati Credit Union Savings Account Rates

0.50%$10-Holiday Club
0.50%$10-Vacation Club
0.25%$25-Educational IRA Passbook Account
0.20%$5-Youth Account
0.15%$25-Roth IRA Passbook Account
0.15%$0-Health Savings Account
0.10%$25-Traditional IRA Passbook Account
0.05%$5-Regular Shares

Greater Cincinnati Credit Union Money Market Rates

2.94%*$75k*-Money Market Account
OTHER TIERS: 2.78% $2.5k - $25k | 2.84% $25k - $50k | 2.89% $50k - $75k

Greater Cincinnati Credit Union CD Rates

4.23%$300-6 Year Diamond Club Members CD
4.18%$300-3 Year Diamond Club Members CD
4.18%$300-5 Year Diamond Club Members CD
4.13%$300-2 Year Diamond Club Members CD
4.07%$300-1 Year Diamond Club Members CD
3.71%$300-6 Year CD
3.71%$1k-6 Year One Up CD
3.66%$300-3 Year CD
3.66%$300-4 Year CD
3.66%$300-5 Year CD
3.66%$1k-4 Year One Up CD
3.66%$100k-6 Month Jumbo CD
3.61%$300$100k2 Year CD
3.61%$300-30 Month CD
3.61%$1k-30 Month One Up CD
3.56%$300-1 Year CD
3.55%$300-6 Month CD

Greater Cincinnati Credit Union IRA Rates

4.23%$300-6 Year Diamond Club IRA
4.18%$300-3 Year Diamond Club IRA
4.18%$300-5 Year Diamond Club IRA
4.13%$300-2 Year Diamond Club IRA
4.07%$300-1 Year Diamond Club Members IRA
3.71%$300-6 Year IRA
3.71%$1k-6 Year One Up Share IRA
3.66%$300-3 Year IRA
3.66%$300-4 Year IRA
3.66%$1k-4 Year One Up Share IRA
3.66%$300-5 Year IRA
3.66%$100k-6 Month Jumbo IRA
3.61%$300$100k2 Year IRA
3.61%$300-30 Month IRA
3.61%$1k-30 Month One Up Share IRA
3.56%$300-1 Year IRA
3.55%$300-6 Month IRA

Greater Cincinnati Credit Union Locations
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

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