|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cinfed Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Cinfed Federal Credit Union's 45 Month 450 CD rates are at 4.50%, 18 Month Legacy CD rates are at 4.20%, 30 Month Smart30 CD rates are at 4.20%, Standard CD - 60 month rates are at 4.20%, Standard CD - 48 month rates are at 4.15%. Cinfed Federal Credit Union's savings rates are at 0.05%. Cinfed Federal Credit Union's checking rates are as high as 6.00%. Cinfed Federal Credit Union's Conventional Mortgage - 15 year rates are at 6.75%, Conventional Mortgage - 10 year rates are at 6.75%, Adjustable Mortgage - 5 Year ARM rates are at 6.50%, Conventional Mortgage - 30 year rates are at 7.38%, Conventional Mortgage - 20 year rates are at 7.38%. Cinfed Federal Credit Union's Personal Loan Rates are as low as 11.49%. Cinfed Federal Credit Union's Credit Card Rates are at 10.65%. Cinfed Federal Credit Union's CD rates are 47% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Cinfed Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.00%. Rates last updated and verified on 10/29/2026. Cinfed 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 Cinfed Federal Credit Union? Share your experience about Cinfed Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cinfed Federal Credit Union. Cinfed Federal Credit Union
OAKLEY CORPORATE HEADQUARTERS 4801 Kennedy Avenue
https://www.cinfed.org Cincinnati, OH 45209  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Cinfed Federal Credit Union CD Rates
Cinfed Federal Credit Union Savings Rates
Cinfed Federal Credit Union Checking Rates
Cinfed Federal Credit Union Mortgage Rates
Cinfed Federal Credit Union Home Equity & HELOC
Cinfed Federal Credit Union Auto Loan Rates
Cinfed Federal Credit Union Credit Card Rates
Cinfed Federal Credit Union Personal Loan Rates
Cinfed Federal Credit Union Other Rates
Financial Health HistoryCinfed Federal Credit Union’s Texas Ratio stayed near 2.42% in Q3 2023 to 2.00% in Q2 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cinfed 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 Cinfed 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 Cinfed Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cinfed Federal Credit Union
Website
https://www.cinfed.org
Address
4801 Kennedy Avenue,
Cincinnati, OH 45209
Phone
513-333-4210
Fax
President
Gerald Meyer
CEO
Jay Sigler
Full-Time Employees
147
Part-Time Employees
1
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.00%
Return on Assets (ROA)
0.4179%
Return on Equity (ROE)
3.6157%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
863,232,356
Total Amount of Shares and Deposits
723,562,016
Total Shares and Deposits < 1 Year
589,670,970
Total Shares and Deposits 1 3 Years
106,653,911
Total Shares and Deposits > 3 Years
27,237,134
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,078,943
Total Uninsured Shares and Deposits > $250K (F+J)
3,078,943
Total Insured Shares and Deposits > $250K (item 17 less item K)
720,483,073
Total Interest Expense (Sum of items 6 8)
8,323,580
Share Certificates
12,178
Number of Accounts for Share Drafts
26,185
IRA KEOGH Accounts
2,807
Number of Accounts for Regular Shares
53,529
All other shares
4,467
Non Member Deposits
5
Money Market Shares
4,024
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)
58,294,954
Total Liabilities
767,741,143
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Cinfed Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Cinfed Federal Credit Union
Frequently Asked Questions About Cinfed Federal Credit UnionDoes Cinfed Federal Credit Union offer CDs?Yes. Cinfed Federal Credit Union current CD rates include its 45 Month 450 CD at 4.50% APY, its 18 Month Legacy CD at 4.20% APY and its 30 Month Smart30 CD at 4.20% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Cinfed Federal Credit Union NCUA insured?Yes. Cinfed Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Cinfed Federal Credit Union?The highest Cinfed Federal Credit Union CD rate is its 45 Month 450 CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Cinfed Federal Credit Union offer?Cinfed Federal Credit Union CD rates are 4.00% APY for a 12 month CD, 4.20% APY for an 18 month CD, 4.05% APY for a 2 year CD, 4.20% APY for a 30 month CD, 4.50% APY for a 45 month CD, 4.15% APY for a 4 year CD and 4.20% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Cinfed Federal Credit Union for its full lineup. What is the highest savings rate at Cinfed Federal Credit Union?The highest Cinfed Federal Credit Union savings rate is its Health Savings Main Share at 0.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at Cinfed Federal Credit Union?The lowest Cinfed Federal Credit Union mortgage rate is its Adjustable Mortgage - 5 Year ARM at 6.50%, verified by MonitorBankRates as of October 29, 2026. Cinfed Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.375% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.75% for a 10 year mortgage and 6.50% for a 5 year mortgage. What is the lowest auto loan rate at Cinfed Federal Credit Union?The lowest Cinfed Federal Credit Union auto loan rate is its Flex Auto Loan - Used at 6.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Cinfed Federal Credit Union?The lowest Cinfed Federal Credit Union personal loan rate is its Signature Loan at 11.49% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Cinfed Federal Credit Union?The lowest Cinfed Federal Credit Union credit card APR is its Cinfed Essentials Mastercard Credit Card at 10.65% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Cinfed Federal Credit Union operate?Cinfed 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 Cinfed Federal Credit Union?Yes, to access services at Cinfed 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, Cinfed 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, Cinfed Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cinfed Federal Credit Union offer online and mobile banking?Most modern institutions like Cinfed 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.cinfed.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Cinfed Federal Credit Union rates compare?Cinfed Federal Credit Union's CD rates are 47% higher than the MonitorBankRates national average, and it has an A+ health rating. Cinfed Federal Credit Union's top rates are its 45 Month 450 CD at 4.50% APY, its Health Savings Main Share at 0.05% APY, its Summit Checking at 6.00% APY, its Adjustable Mortgage - 5 Year ARM at 6.50%, its Signature Loan at 11.49% APR and its Cinfed Essentials Mastercard Credit Card at 10.65% APR, verified by MonitorBankRates on October 29, 2026. Current Cinfed Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Sebasticook Valley Federal Credit Union
Members Plus Credit Union
Finger Lakes Federal Credit Union
Electrical Workers Local 130 Federal Credit Union
First Pace Credit Union
Manchester Federal Credit Union
Niagaras Choice Credit Union
Southern Baptist Church of New York Federal Credit Union
The Morning Star Federal Credit Union
Mcdowell Cornerstone Credit Union CU
Mass Institute of Tech Credit Union
Methodist Healthcare Federal Credit Union
Service Federal Credit Union
Electric Machinery Employees Credit Union
Emporia State Federal Credit Union
Kimberly Clark Credit Union
Health Care Professionals Federal Credit Union
SEG Federal Credit Union
Latah Credit Union
Concord Federal Credit Union
Meriden Postal Employees Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
