Sharefax Credit Union

Overview / Commentary
604 Ivy Gateway
Cincinnati, OH 45245

Sharefax Credit Union is headquartered in CINCINNATI and is the 17th 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 March of 2024, it had grown to 72 employees and 30,859 members at 6 locations. Sharefax Credit Union's money market rates are 8X 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

Reviews (4)

Positive Experience

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.

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!!!

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 :)


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!!!


Health Grade Components

NCUA #61090
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.42%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$512MM$511.6MM
LoansQ1 2024vs Q1 2023$354.7MM$359.9MM
DepositsQ1 2024vs Q1 2023$463.3MM$454MM
Equity CapitalQ1 2024vs Q1 2023$47.6MM$45.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$994K$968K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$701K$605K
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 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

2.02%*$100k*-Maximizer Savings Account
OTHER TIERS: 0.85% $0 - $10k | 1.11% $10k - $25k | 1.26% $25k - $50k | 1.41% $50k - $75k | 1.61% $75k - $100k
0.65%*$25k*-IRA Share Savings Account
OTHER TIERS: 0.15% $0 - $1k | 0.25% $1k - $5k | 0.35% $5k - $10k | 0.50% $10k - $25k
0.65%*$10k*-Champion Savers
OTHER TIERS: 0.30% $0 - $1.5k | 0.45% $1.5k - $5k | 0.55% $5k - $10k
0.25%*$25k*-Health Savings Account
OTHER TIERS: 0.05% $0 - $1k | 0.10% $1k - $5k | 0.15% $5k - $10k | 0.20% $10k - $25k
0.10%$50-Basic Shares
0.10%$0-Holiday Savings Club

Sharefax Credit Union Money Market Rates

3.56%*$100k*-Money Market Checking
OTHER TIERS: 0.85% $1.5k - $10k | 1.11% $10k - $25k | 1.26% $25k - $50k | 1.41% $50k - $75k | 3.04% $75k - $100k

Sharefax Credit Union Checking Account Rates

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

4.15%$500-12 Month Gold Share Certificate
4.10%$500-12 Month Silver Share Certificate
4.05%$500-15 Month Gold Share Certificate
4.05%$500-2 Year Gold Share Certificate
4.05%$500-3 Year Gold Share Certificate
4.05%$500-4 Year Gold Share Certificate
4.05%$500-5 Year Gold Share Certificate
4.05%$10k-3 Year Bump Gold Share Certificate
4.05%$10k-4 Year Bump Gold Share Certificate
4.00%$500-15 Month Silver Share Certificate
4.00%$500-2 Year Silver Share Certificate
4.00%$500-3 Year Silver Share Certificate
4.00%$500-4 Year Silver Share Certificate
4.00%$500-5 Year Silver Share Certificate
4.00%$10k-3 Year Bump Silver Share Certificate
4.00%$10k-4 Year Bump Silver Share Certificate
3.90%$500-12 Month Share Certificate
3.80%$500-15 Month Share Certificate
3.80%$500-2 Year Share Certificate
3.80%$500-3 Year Share Certificate
3.80%$500-4 Year Share Certificate
3.80%$500-5 Year Share Certificate
3.80%$10k-3 Year Bump Share Certificate
3.80%$10k-4 Year Bump Share Certificate
3.75%$15k-80 Month Gold Share Certificate
3.70%$15k-80 Month Silver Share Certificate
3.65%$10k-11 Months No Penalty Share Certificate
3.50%$15k-80 Month Share Certificate
3.50%$500-6 Month Gold Share Certificate
3.45%$500-6 Month Silver Share Certificate
3.25%$500-6 Month Share Certificate
3.25%$500-3 Month Gold Share Certificate
3.20%$500-3 Month Silver Share Certificate
3.00%$500-3 Month Share Certificate

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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