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CINCINNATI OHIO POLICE Rates & Review March 2026

CINCINNATI OHIO POLICE's 1 yr. CD rates are at 3.45%, 18 mo. CD rates are at 3.45%, IRA Savings & CDs 18 mo. rates are at 3.45%, 2 yr. CD rates are at 3.25%, 3 yr. CD rates are at 3.25%. CINCINNATI OHIO POLICE's savings rates are at 0.05%. CINCINNATI OHIO POLICE's money market rates are at 1.90%. CINCINNATI OHIO POLICE's 15-Year Conventional rates are at 5.75%, 20-Year Conventional rates are at 6.00%, 30-Year Conventional rates are at 6.12%, 30-Year FHA rates are at 6.25%, 30-Year VA rates are at 6.25%. CINCINNATI OHIO POLICE's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of CINCINNATI OHIO POLICE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.80%. Rates were last updated on 03/16/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.80%
Excellent Lower than avg
Peoples Bank Gambier, OH
Cincinnati Ohio Police FCU
959 W 8th St
Cincinnati, OH 45203
http://www.copfcu.com
Member NCUA

CINCINNATI OHIO POLICE CD Rates

Product Rate APY Term View More
1 yr. Certificate 3.40% 3.45% 1 yr.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
18 mo. Certificate 3.40% 3.45% 18 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
IRA Savings & Certificates 18 mo. 3.40% 3.45% 18 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
2 yr. Certificate 3.20% 3.25% 2 yr.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
3 yr. Certificate 3.20% 3.25% 3 yr.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
30 mo. Certificate 3.20% 3.25% 30 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
4 yr. Certificate 3.20% 3.25% 4 yr.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
5 yr. Certificate 3.20% 3.25% 5 yr.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
6 mo. Certificate 3.20% 3.25% 6 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
9 mo. Certificate 3.20% 3.25% 9 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
IRA Savings & Certificates 30 mo. 3.20% 3.25% 30 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
IRA Savings & Certificates 6 mo. 3.20% 3.25% 6 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
IRA Savings & Certificates 9 mo. 3.20% 3.25% 9 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
3 mo. Certificate 2.96% 3.00% 3 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
IRA Savings & Certificates 3 mo. 2.96% 3.00% 3 mo.
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%

CINCINNATI OHIO POLICE Savings Rates

Product Rate APY View More
Youth Savings 4.89% 5.00%
Min Balance $250
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
IRA Savings 0.10% 0.10%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Savings Account 0.05% 0.05%
Min Balance $50
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Youth Savings 0.05% 0.05%
Min Balance $50
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%

CINCINNATI OHIO POLICE Money Market Rates

Product Rate APY View More
Money Market 2.08% 2.10%
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Money Market 2.03% 2.05%
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Money Market 1.98% 2.00%
Min Balance $25,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Money Market 1.93% 1.95%
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Money Market 1.88% 1.90%
Min Balance $2,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%

CINCINNATI OHIO POLICE Checking Rates

Product Rate APY View More
Personal Checking 0.15% 0.15%
Min Balance $1,500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Personal Checking 0.05% 0.05%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Personal Checking - 0.00%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%

CINCINNATI OHIO POLICE Mortgage Rates

Product Rate Points APR Term View More
Student Loan Refinance - - 3.25% 5-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 4.25% 5-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 4.50% 10-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 5.25% 15-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 5.50% 10-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
15-Year Conventional 5.75% 0 5.98% 15-Year
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
20-Year Conventional 6.00% 0.250 6.22% 20-Year
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
30-Year Conventional 6.13% 0 6.27% 30-Year
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
30-Year FHA 6.25% 0.125 6.39% 30-Year
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
30-Year VA 6.25% 0.250 6.40% 30-Year
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
15-Year FHA 6.25% 0.125 6.48% 15-Year
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
15-Year VA 6.25% 0.250 6.50% 15-Year
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 6.50% 15-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%

CINCINNATI OHIO POLICE Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 6.49% 5-Year Fixed
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Home Equity Loan - - 6.99% 10-Year Fixed
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
HELOC - - 7.00%
Details Prime = 7.00%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
HELOC - - 7.25%
Details Prime Plus .25%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Home Equity Loan - - 7.49% 15-Year Fixed
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
HELOC - - 7.75%
Details Prime Plus .75%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Home Equity Loan - - 7.99% 5-Year Fixed
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
HELOC - - 8.00%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
HELOC - - 8.25%
Details Prime Plus 1.25%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Home Equity Loan - - 8.49% 10-Year Fixed
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Home Equity Loan - - 8.99% 15-Year Fixed
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
HELOC - - 9.00%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
HELOC - - 9.50%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%

CINCINNATI OHIO POLICE Student Loan Rates

Product Rate Points APR Term View More
Student Loan Refinance - - 3.25% 5-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Undergrad Student Loans - - 3.50% Up to 25 Years
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 4.25% 5-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 4.50% 10-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Undergrad Student Loans - - 4.75% Up to 10 Years
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 5.25% 15-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 5.50% 10-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Student Loan Refinance - - 6.50% 15-year
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Undergrad Student Loans - - 10.75% Up to 10 Years
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%

CINCINNATI OHIO POLICE Credit Card Rates

Product Rate APR View More
Visa Platinum Rewards - 9.99%
Details Regular APR: 9.99% - 13.99%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Visa Credit Builder - 14.99%
Details Regular APR: 14.99%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%
Visa Student Platinum Rewards - 17.99%
Details Regular APR: 17.99%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%

CINCINNATI OHIO POLICE Personal Loan Rates

Product Rate APR View More
Personal Loans - 10.99%
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.25%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for CINCINNATI OHIO POLICE 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 CINCINNATI OHIO POLICE 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 CINCINNATI OHIO POLICE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CINCINNATI OHIO POLICE
Address 959 W 8th St, Cincinnati, OH 45203
Phone 513-381-2677
Fax 513-381-3010
President Mark Brown
CEO Kathy Haas
Full-Time Employees 35
Part-Time Employees 3
Branch Locations 6
ATM Locations 3
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.80%
Return on Assets (ROA)
0.7005%
Return on Equity (ROE)
6.3628%
Non-Performing Loans Ratio (NPL)
1.12%
Total Assets
184,373,126
Total Amount of Shares and Deposits
161,890,735
Total Shares and Deposits < 1 Year
152,116,754
Total Shares and Deposits 1 3 Years
7,812,334
Total Shares and Deposits > 3 Years
1,961,647
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,290,257
Total Uninsured Shares and Deposits > $250K (F+J)
4,290,257
Total Insured Shares and Deposits > $250K (item 17 less item K)
157,600,478
Total Interest Expense (Sum of items 6 8)
1,933,168
Share Certificates
1,377
Number of Accounts for Share Drafts
6,419
IRA KEOGH Accounts
809
Number of Accounts for Regular Shares
13,334
All other shares
1,494
Money Market Shares
1,485
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
18,995,883
Total Liabilities
164,240,339
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About CINCINNATI OHIO POLICE

Is CINCINNATI OHIO POLICE a safe place to deposit money?

Yes, CINCINNATI OHIO POLICE is considered a safe financial institution. With a Texas Ratio of 5.7970769579059%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does CINCINNATI OHIO POLICE operate?

CINCINNATI OHIO POLICE 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 CINCINNATI OHIO POLICE?

Yes, to access services at CINCINNATI OHIO POLICE, 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, CINCINNATI OHIO POLICE 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, CINCINNATI OHIO POLICE provides members with tools to manage their accounts and build a solid financial history.

Does CINCINNATI OHIO POLICE offer online and mobile banking?

Most modern institutions like CINCINNATI OHIO POLICE 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: http://www.copfcu.com.

Current CINCINNATI OHIO POLICE Rates

  • Savings0.05%
  • MMA1.90%
Retrieved from our database of financial products. Rates subject to change.