What are the current interest rates at Childrens Medical Center Federal Credit Union?

Current rates for Childrens Medical Center Federal Credit Union include: 12-Month CD: 4.31%, 18-Month CD: 4.31%, 24-Month CD: 4.36%, 60-Month CD: 4.02%, MMA: 2.75%

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Childrens Medical Center Federal Credit Union

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Childrens Medical Center Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Childrens Medical Center Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Childrens Medical Center Federal Credit Union's 2 year CD rates are at 4.36%, 1 year CD rates are at 4.31%, 1 Year IRA rates are at 4.31%, 18 month CD rates are at 4.31%, 3 year CD rates are at 4.11%. Childrens Medical Center Federal Credit Union's money market rates are at 2.75%. Childrens Medical Center Federal Credit Union's First Mortgage 10 Year Fiixed Rate rates are at 4.75%, First Mortgage 15 Year Fixed Rate rates are at 5.25%. Childrens Medical Center Federal Credit Union's Personal Loan Rates are as low as 8.90%. MonitorBankRates evaluates the financial stability of Childrens Medical Center Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.15%. Rates last updated and verified on 09/21/2026.

Childrens Medical Center Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Childrens Medical Center Federal Credit Union? Share your experience about Childrens Medical Center Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Childrens Medical Center Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.15%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Childrens Medical Center Federal Credit Union
Main Office

3333 Burnet Ave
Cincinnati, OH 45229-3026

https://www.cmcfcu.org

Childrens Medical Center Federal Credit Union CD Rates

Product	Rate	APY	Term
2 year Certificate	4.35%	4.36%	2 year
Min Deposit $500 Details CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
1 year Certificate	4.30%	4.31%	1 year
Min Deposit $500 Details CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
1 Year IRA	4.30%	4.31%	1 Year
Min Deposit $500 Details CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
18 month Certificate	4.30%	4.31%	18 months
Min Deposit $500 Details CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
3 year Certificate	4.10%	4.11%	3 year
Min Deposit $500 Details CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
3 Year IRA	4.10%	4.11%	3 Year
Min Deposit $500 Details CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
5 Year IRA	4.00%	4.11%	5 Year
Min Deposit $500 Details CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
5 year Certificate	4.00%	4.02%	5 year
Min Deposit $500 Details CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
6 month Certificate	4.00%	4.02%	6 months
Min Deposit $500 Details CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Childrens Medical Center Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	3.00%	3.00%
Min Balance $50,000 Details Balance: Accounts over $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Money Market Accounts	2.75%	2.75%
Min Balance $20,000 Details Balance: Accounts $20,000-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Childrens Medical Center Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage 10 Year Fiixed Rate	4.75%	-	4.75%	120 months
Details THESE PROMOTIONAL RATES ARE AVAILABLE FOR A LIMITED TIME AS APPROVED BY THE CMC FEDERAL CREDIT UNION BOARD OF DIRECTORS Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
First Mortgage 15 Year Fixed Rate	5.25%	-	5.25%	180 months
Details THESE PROMOTIONAL RATES ARE AVAILABLE FOR A LIMITED TIME AS APPROVED BY THE CMC FEDERAL CREDIT UNION BOARD OF DIRECTORS Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Childrens Medical Center Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos	-	-	6.50%	up to 72 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Used Autos 1 to 2 years old	-	-	6.50%	up to 72 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Used Autos 3 to 5 years old	-	-	6.70%	up to 66 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Used Autos 6 years old	-	-	6.95%	up to 54 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Used Autos 7 years old	-	-	7.20%	up to 36 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Childrens Medical Center Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Home Improvement loans	8.90%	up to 36 months
Details over $2,000.00; Current Prime Rate is 6.75% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Unsecured loans	10.25%	up to 36 months
Details over $1,000.00; Current Prime Rate is 6.75% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%
Unsecured loans	14.50%	12 months
Details $500.00 - $1,000.00; Current Prime Rate is 6.75% Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Childrens Medical Center Federal Credit Union’s Texas Ratio stayed near 1.00% in Q2 2023 to 1.15% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$47M	1.15%	5.0	A+
December 31, 2025	$46M	0.90%	5.0	A+
September 30, 2025	$45M	0.57%	5.0	A+
June 30, 2025	$44M	0.52%	5.0	A+
March 31, 2025	$45M	0.24%	5.0	A+
December 31, 2024	$43M	0.29%	5.0	A+
September 30, 2024	$44M	0.17%	5.0	A+
June 30, 2024	$44M	0.25%	5.0	A+
March 31, 2024	$45M	0.68%	5.0	A+
December 31, 2023	$44M	0.80%	5.0	A+
September 30, 2023	$46M	0.99%	5.0	A+
June 30, 2023	$47M	1.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Childrens Medical Center Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Childrens Medical Center Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Childrens Medical Center Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Childrens Medical Center Federal Credit Union

Website https://www.cmcfcu.org

Address 3333 Burnet Ave, Cincinnati, OH 45229-3026

Phone 513-636-4470

Fax 513-636-8208

President Walter Dobbins

CEO Alice Jenkins

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.15%

Return on Assets (ROA)

0.3868%

Return on Equity (ROE)

1.9334%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

46,719,711

Total Amount of Shares and Deposits

37,146,380

Total Shares and Deposits < 1 Year

35,802,228

Total Shares and Deposits 1 3 Years

1,246,928

Total Shares and Deposits > 3 Years

97,224

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,000,121

Total Uninsured Shares and Deposits > $250K (F+J)

6,000,121

Total Insured Shares and Deposits > $250K (item 17 less item K)

31,146,259

Total Interest Expense (Sum of items 6 8)

149,739

Share Certificates

174

Number of Accounts for Share Drafts

1,743

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,585

Money Market Shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,518,011

Total Liabilities

37,373,036

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Childrens Medical Center Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Childrens Medical Center Federal Credit Union

How many branches does Childrens Medical Center Federal Credit Union operate?

Childrens Medical Center Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Childrens Medical Center Federal Credit Union?

Yes, to access services at Childrens Medical Center Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Childrens Medical Center Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Childrens Medical Center Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Childrens Medical Center Federal Credit Union offer online and mobile banking?

Most modern institutions like Childrens Medical Center Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cmcfcu.org.