Cincinnati Federal CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 5.00%, 6-month CD rates at 2.75% and 3-month CD rates at 1.86%. Current savings rates are at 5.05% and money market rates are at 0.05%. Mortgage rates today on 30-year fixed loans are around 6.19%. Credit Card rates are at 29.99%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates. Cincinnati Federal's 18-Month CD rates are at 5.00%, 15-Month CD rates are at 5.00%, 6-Month CD rates are at 4.75%, 9-Month CD rates are at 4.75%, 60-Month CD rates are at 0.60%. Cincinnati Federal's savings rates are at 0.02%.

Cincinnati Federal

To see how these rates compare to Cincinnati Federal CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Cincinnati Federal, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Cincinnati Federal CD rates. You can also compare Cincinnati Federal savings rates, MMA rates and mortgage rates using our other rate lists.

Cincinnati Federal 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 Cincinnati Federal? Share your experience about Cincinnati Federal by leaving a review below, or read customer reviews before you decide to use Cincinnati Federal.

Cincinnati Federal Texas Ratio

Cincinnati Federal's Texas Ratio is at 0.16%, which is considered excellent. The Texas Ratio for Cincinnati Federal is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Cincinnati Federal is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
0.25%
18-Month CD
5.00%
24-Month CD
0.30%
36-Month CD
0.35%
48-Month CD
0.40%
60-Month CD
0.60%
Savings
0.02%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Cincinnati Federal
6581 Harrison Ave
Cincinnati, OH 45247
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Cincinnati Federal CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Cincinnati Federal
Cincinnati Federal
18-Month CD
5.00%
$500
Cincinnati Federal
Cincinnati Federal
15-Month CD
5.00%
$500
Cincinnati Federal
Cincinnati Federal
9-Month CD
4.75%
$500
Cincinnati Federal
Cincinnati Federal
6-Month CD
4.75%
$500
Cincinnati Federal
Cincinnati Federal
Savings Account Premier
4.00%
$500,000
Cincinnati Federal
Cincinnati Federal
60-Month CD
0.60%
$500
Cincinnati Federal
Cincinnati Federal
48-Month CD
0.40%
$500
Cincinnati Federal
Cincinnati Federal
36-Month CD
0.35%
$500
Cincinnati Federal
Cincinnati Federal
24-Month CD
0.30%
$500
Cincinnati Federal
Cincinnati Federal
12-Month CD
0.25%
$500
Cincinnati Federal
Cincinnati Federal
Checking Account Premier
0.20%
$1,500
Cincinnati Federal
Cincinnati Federal
Savings Account
0.02%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Cincinnati Federal Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
FSB of Wyoming
6-Month CD
0.20%
$2,000
Park National Bank
Park National Bank
Savings Account
0.75%
$100,000
FNB of Brownstown
Money Market
0.10%
$1,500
Flatwater Bank
Flatwater Bank
13-Month CD Special Bump-Up
5.30%
$500
Wolf River Community Bank
Wolf River Community Bank
12-Month CD
1.40%
$1,000
CNB Bank Berkeley Springs, WV
CNB Bank Berkeley Springs, WV
24-Month CD
1.50%
$500
North Dallas Bank & Trust (NDBT)
North Dallas Bank & Trust (NDBT)
6-Month CD
5.00%
$1,000
Home Loan Investment Bank
Home Loan Investment Bank
Premier Checking
1.50%
$2,500
Balboa Thrift and Loan Association
Balboa Thrift and Loan Association
6-Month CD
5.13%
$10,000
American Plus Bank, N.A.
American Plus Bank, N.A.
36-Month CD
2.50%
$25,000
First Security State Bank Evansdale, IA
First Security State Bank Evansdale, IA
60-Month CD
1.15%
$1,000
Seamens Bank
Seamens Bank
12-Month CD
2.25%
$1,000
Delaware NB of Delhi
Delaware NB of Delhi
60-Month CD
2.73%
$100
The Golden 1 Credit Union
The Golden 1 Credit Union
24-Month CD term share
3.50%
$500
4u Federal Credit Union
4u Federal Credit Union
24-Month CD certificate
3.29%
$1,000
Grove Bank
Grove Bank
24-Month CD
4.04%
$1,000
First FSB of Mascoutah
First FSB of Mascoutah
Statement Savings
1.00%
$50
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
7-Month CD special
4.50%
$1,000
Greenville Federal
Greenville Federal
60-Month CD
0.50%
$500
Peoples Bank of Kentucky
Peoples Bank of Kentucky
60-Month CD
0.75%
$1,000
Kearney Trust Company
Kearney Trust Company
48-Month CD
3.30%
$100
Salem Co-operative Bank
Salem Co-operative Bank
Partnership Savings
1.50%
$500,000
Methuen Co-operative Bank
Methuen Co-operative Bank
9-Month CD special
5.00%
$1,000
The Bank of Romney
The Bank of Romney
Money Market
4.08%
$200,000
Comerica
Comerica
Money Market High Yield special
4.50%
$15,000
Timberland Bank
Timberland Bank
60-Month CD
2.02%
$500
F&M Union Bank
48-Month CD
4.04%
$100
First Hope Bank
First Hope Bank
18-Month CD
0.25%
$2,500
1st Ed Credit Union
1st Ed Credit Union
Money Market
0.25%
$500
Freedom Bank Huntingburg, IN
Freedom Bank Huntingburg, IN
Savings Account
0.50%
$10
Central Bank Provo, UT
Central Bank Provo, UT
24-Month CD
2.62%
$500
Farmers Bank of Appomattox
Farmers Bank of Appomattox
18-Month CD special
3.90%
$1,000
Ncb
Ncb
Money Market Deposit Account
0.10%
$2,500
First National Bank in Pinckneyville
First National Bank in Pinckneyville
3-Month CD
0.05%
$500
First Federal S&L of Lorain
First Federal S&L of Lorain
12-Month CD
0.10%
$250
FinWise Bank
FinWise Bank
60-Month CD
4.06%
$500
Heritage Bank Marion, IA
Heritage Bank Marion, IA
Savings Account
0.10%
$0
SSB of Wanamingo
SSB of Wanamingo
13-Month CD special
4.58%
$10,000
Mechanics Cooperative Bank
Mechanics Cooperative Bank
60-Month CD
3.50%
$500
American State Bank of Grygla
American State Bank of Grygla
NOW Account
0.15%
$500
Busey Bank
Busey Bank
Premium Savings Account
5.00%
$100,000
1st Choice Credit Union
1st Choice Credit Union
24-Month CD certificate
0.60%
$1,000
Mvsb
24-Month CD
1.50%
$500
Kearny Bank
Kearny Bank
36-Month CD
0.55%
$500
Greene County Commercial Bank
Greene County Commercial Bank
30-Month CD
0.25%
$1,000
Union State Bank Pell City, AL
Union State Bank Pell City, AL
48-Month CD
1.50%
$500
FNB of Lacon
FNB of Lacon
48-Month CD
2.38%
$500
Golden Belt Bank, FSA
Golden Belt Bank, FSA
3-Month CD
4.75%
$1,000
Putnam County Bank
Putnam County Bank
24-Month CD
1.25%
$1,000
Headwaters State Bank
Headwaters State Bank
36-Month CD
2.52%
$1,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates February 23, 2024

Lender
Product
Rate
APR
Points
8.375%
8.432%
0.375
8.250%
8.411%
0.000
8.150%
8.354%
0.000
10-Year ARM
8.000%
8.099%
0.000
5-Year Jumbo ARM
5.875%
8.098%
2.000
30-Year Jumbo Fixed
7.750%
7.911%
1.000
5-Year ARM FHA
5.750%
7.888%
2.000
7-Year ARM
7.500%
7.847%
0.000
5Y/6M ARM
6.750%
7.841%
0.881
7-Year ARM
6.990%
7.764%
0.000
30-Year Fixed
7.421%
7.750%
0.000
7.500%
7.746%
0.000
7.500%
7.735%
1.000
5-Year ARM
6.000%
7.685%
2.000
7.500%
7.682%
1.000
6.500%
7.670%
0.500
5/6 Month ARM
6.750%
7.623%
1.000
6.500%
7.600%
0.500
7.250%
7.591%
0.000
7.500%
7.573%
0.000
30-Year Fixed FHA
6.000%
7.565%
0.000
6.875%
7.559%
0.000
7Y/6M ARM
6.500%
7.545%
0.908
7.125%
7.524%
1.000
6.625%
7.510%
0.500
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Cincinnati Federal Information

Cincinnati Federal
6581 Harrison Ave
Cincinnati, OH 45247
Hamilton
Established Date: 01/01/1922
FDIC Certificate #: 28346
Date of FDIC Deposit Insurance: 09/25/1935
Bank Holding Company: CINCINNATI BCORP INC
How Many Domestic U.S. Offices? 5
How Many Branches are There? 5
Is Cincinnati Federal FDIC Insured? Yes
What is Cincinnati Federal's Cert number? 28346
What is the maximum amount for insured deposits? $250,000 per holder, per account

Cincinnati Federal Financials

Total Assets:
$305,017,000
Total Deposits:
$226,713,000
Equity Capital:
$38,334,000
Domestic Deposits:
$226,713,000
Net Income:
$407,000
Return on Assets:
0.7383%
Quarterly Return on Assets:
0.5400%
Pretax Return on Assets:
0.6850%
Pretax Quarterly Return on Assets:
0.6900%
Return on Equity:
5.3600%
Quarterly Return on Equity:
4.2800%
Common Equity Tier 1 Capital Ratio:
16.3429%
Tier 1 Risk-Based Capital Ratio:
16.3429%
Leverage Tier 1 (Core Capital) Ratio:
13.2691%
Total Risk-Based Capital Ratio (YTD):
17.1291%
Total Interest Income (YTD):
3.7561%
 
 
Headquarters:
Cincinnati
FDIC Field Office:
Columbus
Regulator:
OCC
County:
Hamilton
# of Offices:
5
Metropolitan Statistical Area (MSA):
Cincinnati, OH-KY-IN
Consolidated Metropolitan Statistical Area (CMSA):
Cincinnati-Hamilton, OH-KY-IN
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC

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