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Sharefax Credit Union


Overview / Commentary
www.sharefax.org
513-753-2440
604 Ivy Gateway
Cincinnati, OH 45245

Sharefax Credit Union is headquartered in CINCINNATI and is the 19th largest credit union in the state of Ohio. It is also the 721st largest credit union in the nation. It was established in 1960 and as of December of 2021, it had grown to 68 employees and 31,634 members at 6 locations. Sharefax Credit Union's savings rates are 15% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Sharefax Credit Union is open to anyone who lives, works, worships, or attends school in the Ohio counties of Adams, Brown, Butler, Clermont, Clinton, Fayette, Greene, Hamilton, Highland, Montgomery, Preble, or Warren. Employees of more than 400 SEGs also qualify for membership.
See current membership details

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Reviews (4)

Positive Experience

Posted by: |

My experiences have been positive. Overall they are competitive. Better than average. You could do a lot worse. Provides a good option between the Cincinnati and Dayton (Ohio) based credit unions.

1

Sharefax Evendale Branch Is #1!!!

Posted by: |

My granddaughter has the champion savings and it has allowed us to save for college and any other expenses. We appreciate the ease when coming in to check on her account. Our granddaughter enjoys coming in to make deposits and withdrawals which teaches her how to be responsible and mange her finances for later on in life. We love the family atmosphere at the Evendale Branch; the employees/tellers are very patient and are more than willing to help!! Thank you!!!

1

Great Credit Union!!!

Posted by: |

*Great share branching convenience
*Great polite customer service
*Makes $200 of deposit available immediately..(no unfair or long check hold days....two days max)
*Offers products and services to help build or rebuild credit.
*No credit check Telecheck,Earlywarning or Chexsytems to get an account
*Very forgiving to overdraft fees !

Sign up while it's this good :)

3

WORST BANK/CREDIT UNION EVEE

Posted by: |

DON'T WASTE YOUR TIME GO RO A REAL BANK! Terrible customer services, zero communication, automated system will NOT get you to a representative despite the hold music "we value you" total BS!!! Been a customer for over 6 years and the past 2 have been a NIGHTMARE!!! Over 20 days both times I've ordered a new debit card!!!! I would have been luck getting Trump on the phone than a representative!!! OPEN A REAL BANK ACCT OR HSE NAVY FEDERAL OR ANYTHING BUT THIS COMPANY!!!

2


Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #61090
Year Chartered1960
Employees68
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.59%
Annual Interest Income$11.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$476.7MM$430.8MM
LoansQ4 2021vs Q4 2020$316.8MM$283.3MM
DepositsQ4 2021vs Q4 2020$429.6MM$388.4MM
Equity CapitalQ4 2021vs Q4 2020$45.5MM$40.9MM
Loan Loss AllowanceQ4 2021vs Q4 2020$691.00K$832.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$506.00K$679.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$81.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Sharefax 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.

Sharefax Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Maximizer Savings Account
OTHER TIERS: 0.25% → $10k - $25k | 0.30% → $25k - $50k | 0.40% → $50k - $75k | 0.50% → $75k - $100k
0.50%*$10k*-Champion Savers
OTHER TIERS: 0.15% → Up to $1.5k | 0.20% → $1.5k - $5k | 0.25% → $5k - $10k
0.25%*$25k*-IRA Share Savings Account
OTHER TIERS: 0.05% → Up to $1k | 0.10% → $1k - $5k | 0.15% → $5k - $10k | 0.20% → $10k - $25k
0.25%*$25k*-Health Savings Account
OTHER TIERS: 0.05% → Up to $1k | 0.10% → $1k - $5k | 0.15% → $5k - $10k | 0.20% → $10k - $25k
0.05%$50-Basic Shares
0.05%--Christmas Club
0.05%$50-Vacation Account

Sharefax Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Money Market Checking
OTHER TIERS: 0.15% → $1.5k - $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k

Sharefax Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$10k*-Ultimate Advantage Checking
OTHER TIERS: 0.05% → $500 - $3k | 0.10% → $3k - $10k
0.15%*$5k*-Business Benefits Checking
OTHER TIERS: 0.10% → $3k - $5k

Sharefax Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%$15k-80 Month Gold Share Certificate
1.51%$15k-80 Month Silver Share Certificate
1.51%$500-5 Year Gold Share Certificate
1.46%$500-5 Year Silver Share Certificate
1.41%$500-4 Year Gold Share Certificate
1.41%$10k-4 Year Bump Gold Share Certificate
1.36%$500-4 Year Silver Share Certificate
1.36%$10k-4 Year Bump Silver Share Certificate
1.31%$15k-80 Month Share Certificate
1.26%$500-5 Year Share Certificate
1.26%$500-3 Year Gold Share Certificate
1.26%$10k-3 Year Bump Gold Share Certificate
1.21%$500-3 Year Silver Share Certificate
1.21%$500-2 Year Gold Share Certificate
1.21%$10k-3 Year Bump Silver Share Certificate
1.16%$500-4 Year Share Certificate
1.16%$500-2 Year Silver Share Certificate
1.16%$10k-4 Year Bump Share Certificate
1.11%$500-15 Month Gold Share Certificate
1.06%$500-15 Month Silver Share Certificate
1.00%$500-3 Year Share Certificate
1.00%$500-12 Month Gold Share Certificate
1.00%$10k-3 Year Bump Share Certificate
0.95%$500-2 Year Share Certificate
0.95%$500-12 Month Silver Share Certificate
0.90%$500-6 Month Gold Share Certificate
0.85%$500-15 Month Share Certificate
0.85%$500-6 Month Silver Share Certificate
0.75%$500-12 Month Share Certificate
0.75%$500-3 Month Gold Share Certificate
0.70%$500-3 Month Silver Share Certificate
0.65%$500-6 Month Share Certificate
0.50%$500-3 Month Share Certificate

Sharefax Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-60 Month Gold IRA Certificate
1.46%$500-60 Month Silver IRA Certificate
1.41%$500-48 Month Gold IRA Certificate
1.36%$500-48 Month Silver IRA Certificate
1.26%$500-36 Month Gold IRA Certificate
1.26%$500-60 Month IRA Certificate
1.21%$500-24 Month Gold IRA Certificate
1.21%$500-30 Month Gold IRA Certificate
1.21%$500-36 Month Silver IRA Certificate
1.15%$500-24 Month Silver IRA Certificate
1.15%$500-30 Month Silver IRA Certificate
1.15%$500-48 Month IRA Certificate
1.10%$500-18 Month Gold IRA Certificate
1.05%$500-18 Month Silver IRA Certificate
1.00%$500-12 Month Gold IRA Certificate
1.00%$500-36 Month IRA Certificate
0.95%$500-24 Month IRA Certificate
0.95%$500-30 Month IRA Certificate
0.95%$500-12 Month Silver IRA Certificate
0.85%$500-18 Month IRA Certificate
0.75%$500-12 Month IRA Certificate
Locations


Sharefax Credit Union Locations
Branch Office1147 OLD STATE ROUTE 74BATAVIA, OH 45103
Branch Office10590 READING RDCINCINNATI, OH 45241
Branch Office7443 S MASON MONTGOMERY RDMASON, OH 45040
Branch Office5855 CINEMA DRMILFORD, OH 45150
Branch Office1550 GENNTOWN DRLEBANON, OH 45036
Corporate Office604 IVY GATEWAYCINCINNATI, OH 45245

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