What are the current interest rates at Cinfed Federal Credit Union?

Current rates for Cinfed Federal Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 4.05%, 60-Month CD: 4.20%, Savings: 0.05%

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Cinfed Federal Credit Union

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Cinfed Federal Credit Union Rates & Review October 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 and Verified: October 9, 2026

Cinfed Federal Credit Union's top rates as of October 9, 2026 are 4.20% APY on its 60 Month CD, 0.05% APY on savings, 6.00% APY on checking, 7.00% on its First Time Homebuyer - 5 Year ARM mortgage, personal loans from 11.49% APR, and credit cards from 10.65% APR, according to rates verified by MonitorBankRates. Other Cinfed Federal Credit Union CD rates include 48 Month CD at 4.15%, 36 Month CD at 4.10%, and 24 Month CD at 4.05%. Other Cinfed Federal Credit Union mortgage rates include Investment/Rental - 5 Year ARM at 7.12%. 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 10/09/2026.

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.

Verified Healthy Q2 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

2.00%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cinfed Federal Credit Union
OAKLEY CORPORATE HEADQUARTERS

4801 Kennedy Avenue
Cincinnati, OH 45209

https://www.cinfed.org

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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

Product	Rate	APY	Term
60 Month Certificate	4.12%	4.20%	60 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80% Oct 5, 20264.20%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
48 Month Certificate	4.07%	4.15%	48 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 5, 20264.15%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
36 Month Certificate	4.02%	4.10%	36 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70% Oct 5, 20264.10%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
24 Month Certificate	3.97%	4.05%	24 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70% Oct 5, 20264.05%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
12 Month Certificate	3.92%	4.00%	12 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 5, 20264.00%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
6 Month Certificate	3.88%	3.95%	6 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60% Oct 5, 20263.95%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
3 Month Certificate	3.83%	3.90%	3 Months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50% Oct 5, 20263.90%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cinfed Federal Credit Union Savings Rates

Product	Rate	APY
SaverPlus	1.98%	2.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Christmas Club	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Health Savings Main Share	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
SaverPlus Non-Qualified	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cinfed Federal Credit Union Checking Rates

Product	Rate	APY
Summit Checking	5.84%	6.00%
Details Balance: Up to $10,000; requires monthly qualifications (e-statements, online banking login, 12 debit card transactions); 0.05% APY on all balances if not met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Summit Checking	0.49%	0.50%
Details Balance: Over $10,000 (portion above $10,000), when qualifications met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cinfed Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Time Homebuyer - 5 Year ARM	7.00%	-	7.477%	5 year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.23% → 7.48% ▲ 0.25 pts · high 7.48% / low 7.23% Oct 2, 20267.48%▲ from 7.23% Sep 14, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Investment/Rental - 5 Year ARM	7.125%	-	7.486%	5 year
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.11% → 7.49% ▲ 0.38 pts · high 7.49% / low 7.11% Oct 2, 20267.49%▲ from 7.24% Sep 18, 20267.24%▲ from 7.11% Sep 14, 20267.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cinfed Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit1 - 2025 - Newer	-	-	5.74%	Up to 54 months
Details Additional APR listed for this product: 6.740%. Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2024 - Newer	-	-	5.99%	Up to 54 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2025 - Newer	-	-	5.99%	55 - 66 months
Details Additional APR listed for this product: 6.990%. Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2024 - Newer	-	-	6.24%	55 - 66 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2025 - Newer	-	-	6.24%	67 - 781 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2024 - Newer	-	-	6.49%	67 - 781 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2025 - Newer	-	-	6.49%	79 - 842 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit	-	-	6.50%
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 17, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2023 - 2020	-	-	6.74%	Up to 54 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2024 - Newer	-	-	6.74%	79 - 842 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2023 - 2020	-	-	6.99%	55 - 66 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2023 - 2020	-	-	7.24%	67 - 781 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2025 - Newer	-	-	7.24%	67 - 721 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2019 & Older	-	-	7.74%	Up to 63 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Equity Line of Credit1 - 2023 - 2020	-	-	7.74%	79 - 842 months
Details Autopay Discount Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cinfed Federal Credit Union Credit Card Rates

Product	Rate	APR
Cinfed Essentials Mastercard	-	10.65%
Details Published APR range: 10.650% - 18.000%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.40% → 10.65% ▲ 0.25 pts · high 10.65% / low 10.40% Sep 17, 202610.65%▲ from 10.40% Sep 14, 202610.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Cinfed Mastercard Business Card	-	12.65%
Details Published APR range: 12.650% - 18.000%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Sep 17, 202612.65%▲ from 12.40% Sep 14, 202612.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Cinfed Platinum Mastercard	-	12.65%
Details Published APR range: 12.650% - 18.000%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Sep 17, 202612.65%▲ from 12.40% Sep 14, 202612.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Cinfed Secured Mastercard	-	12.65%
Details Published APR range: 12.650% - 18.000%. 2 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Sep 17, 202612.65%▲ from 12.40% Sep 14, 202612.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Cinfed World Mastercard	-	15.49%
Details Published APR range: 15.490% - 18.000%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.24% → 15.49% ▲ 0.25 pts · high 15.49% / low 15.24% Sep 17, 202615.49%▲ from 15.24% Sep 14, 202615.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cinfed Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	11.49%	48 Months
Details As low as; 1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Signature Loan	12.49%	60 Months
Details As low as; 1 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cinfed Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30/60/90/180 Day Note Loan	-	-	11.49%	Up to 180 days
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Adjustable Mortgage Rates1 - 5 year ARM	6.50%	-	7.276%	5 year
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.90% → 7.28% ▲ 0.38 pts · high 7.28% / low 6.90% Oct 2, 20267.28%▲ from 7.03% Sep 18, 20267.03%▲ from 6.90% Sep 14, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Conventional Mortgage Rates1 - 10 year	6.875%	-	6.937%	10 year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.31% → 6.94% ▲ 0.63 pts · high 6.94% / low 6.31% Oct 5, 20266.94%▲ from 6.31% Sep 14, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Conventional Mortgage Rates1 - 15 year	6.875%	-	6.92%	15 year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.30% → 6.92% ▲ 0.63 pts · high 6.92% / low 6.30% Oct 5, 20266.92%▲ from 6.30% Sep 14, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Conventional Mortgage Rates1 - 20 year	7.50%	-	7.539%	20 year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.91% → 7.54% ▲ 0.63 pts · high 7.54% / low 6.91% Oct 5, 20267.54%▲ from 6.91% Sep 14, 20266.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Conventional Mortgage Rates1 - 30 year	7.50%	-	7.532%	30 year
Details As Low As Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.91% → 7.53% ▲ 0.63 pts · high 7.53% / low 6.91% Oct 5, 20267.53%▲ from 6.91% Sep 14, 20266.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Home Possible Loan	7.875%	-	7.907%	Home Possible2
Details As Low As Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.28% → 7.91% ▲ 0.63 pts · high 7.91% / low 7.28% Oct 9, 20267.91%▲ from 7.66% Sep 25, 20267.66%▲ from 7.41% Sep 18, 20267.41%▲ from 7.28% Sep 14, 20267.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Investment/Rental Loan	8.25%	-	8.282%	Investment/Rental3
Details As Low As Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.53% → 8.28% ▲ 0.75 pts · high 8.28% / low 7.53% Oct 9, 20268.28%▲ from 8.16% Sep 25, 20268.16%▲ from 7.66% Sep 18, 20267.66%▲ from 7.53% Sep 14, 20267.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
K-12 Tuition Loan	-	-	9.49%	12 Months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Ready Cash Account Loan	-	-	11.49%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Great Occasion (GO)	0.05%	-	0.05%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Health Savings Account Checking (HSA)	1.98%	-	2.00%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA Passbook	0.49%	-	0.50%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Legacy	4.12%	-	4.20%
Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Main Share	0.05%	-	0.05%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Ohio Homebuyer Plus	9.56%	-	10.00%
Details Balance: $0 - $10,000; Variable rate. Requirements as defined by Treasurer of the State of Ohio; one per member; $505 minimum opening deposit; $100,000 maximum deposit Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Ohio Homebuyer Plus	4.88%	-	5.00%
Details Balance: $10,000.01 - $100,000; Variable rate. Requirements as defined by Treasurer of the State of Ohio; one per member; $505 minimum opening deposit; $100,000 maximum deposit Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Ohio Homebuyer Plus	0.05%	-	0.05%
Details Balance: $100,000.01 and above; Variable rate. Requirements as defined by Treasurer of the State of Ohio; one per member; $505 minimum opening deposit; $100,000 maximum deposit Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Smart30	4.12%	-	4.20%	Smart30
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 5, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Super Share	2.96%	-	3.00%
Details Balance: $1,000,000 and above; requires $2,000 in Main Share Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Super Share	2.71%	-	2.75%
Details Balance: $500,000 - $999,999; requires $2,000 in Main Share Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Super Share	2.47%	-	2.50%
Details Balance: $100,000 - $499,999; requires $2,000 in Main Share Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Super Share	2.22%	-	2.25%
Details Balance: $50,000 - $99,999; requires $2,000 in Main Share Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Super Share	1.98%	-	2.00%
Details Balance: Below $50,000; requires $2,000 in Main Share Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

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

Cinfed 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

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
June 30, 2026	$863M	2.00%	5.0	A+
March 31, 2026	$857M	1.55%	5.0	A+
December 31, 2025	$840M	1.94%	5.0	A+
September 30, 2025	$825M	2.05%	5.0	A+
June 30, 2025	$802M	2.04%	5.0	A+
March 31, 2025	$773M	1.80%	5.0	A+
December 31, 2024	$749M	2.46%	5.0	A+
September 30, 2024	$735M	2.46%	5.0	A+
June 30, 2024	$737M	2.48%	5.0	A+
March 31, 2024	$744M	1.59%	5.0	A+
December 31, 2023	$731M	2.57%	5.0	A+
September 30, 2023	$724M	2.42%	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 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

Financials

MonitorBankRates 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

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

Q2 2026 MBR Health & Safety Badge

Cinfed Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Cinfed Federal Credit Union

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.

Current Cinfed Federal Credit Union Rates

12-Month CD4.00%
24-Month CD4.05%
60-Month CD4.20%
Savings0.05%

Retrieved from our database of financial products. Rates subject to change.

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Cinfed Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cinfed Federal Credit Union Texas Ratio

Cinfed Federal Credit Union Health Trend

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Cinfed Federal Credit Union Savings Rates

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Cinfed Federal Credit Union Mortgage Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Cinfed Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cinfed Federal Credit Union

How many branches does Cinfed Federal Credit Union operate?

Is a member application needed to join Cinfed Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cinfed Federal Credit Union offer online and mobile banking?

Current Cinfed Federal Credit Union Rates

Compare to Other Credit Unions