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Cinfed Federal Credit Union

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Cinfed Federal Credit Union Rates & Review April 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 25, 2026

You can compare Cinfed Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.61%, 6-month share certificate rates at 3.00% and 3-month share certificate rates at 0.30%. Savings rates are at 0.10% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates can be compared to Cinfed Federal Credit Union rates. 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 2.19%. Rates were last updated on 03/25/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.19%

Excellent Lower than avg

Cinfed Federal Credit Union
OAKLEY CORPORATE HEADQUARTERS

4801 Kennedy Avenue
Cincinnati, OH 45209

https://www.cinfed.org

Cinfed Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking	-	6.00%
Details Qualifying balance up to $1,000.00 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.19%

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.

Methodology & Data Sources

MonitorBankRates 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 145

Part-Time Employees 1

Branch Locations 10

ATM Locations 10

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

2.19%

Return on Assets (ROA)

0.7726%

Return on Equity (ROE)

6.7203%

Non-Performing Loans Ratio (NPL)

0.32%

Total Assets

825,467,492

Total Amount of Shares and Deposits

692,239,744

Total Shares and Deposits < 1 Year

554,824,124

Total Shares and Deposits 1 3 Years

106,649,151

Total Shares and Deposits > 3 Years

30,766,470

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

2,665,236

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

2,665,236

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

689,574,508

Total Interest Expense (Sum of items 6 8)

11,258,896

Share Certificates

12,260

Number of Accounts for Share Drafts

25,878

IRA KEOGH Accounts

2,801

Number of Accounts for Regular Shares

53,386

All other shares

3,071

Non Member Deposits

Money Market Shares

3,969

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

83,947,160

Total Liabilities

735,695,657

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Cinfed Federal Credit Union

Is Cinfed Federal Credit Union a safe place to deposit money?

Yes, Cinfed Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1875546010134%, 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 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.