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Greater Cincinnati School Credit Union Rates & Review October 2026

Greater Cincinnati School Credit Union's top rates as of October 10, 2026 are 3.82% APY on its 1 Year Diamond Club CD, 0.15% APY on savings, 2.17% APY on money market accounts, personal loans from 8.50% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Greater Cincinnati School Credit Union CD rates include 2 Year Diamond Club CD at 3.76%, 3 Year Diamond Club CD at 3.71%, and 5 Year Diamond Club CD at 3.71%. MonitorBankRates evaluates the financial stability of Greater Cincinnati School Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.13%. Rates last updated and verified on 10/10/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
2.13%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Greater Cincinnati School Credit Union
Silverton
7221 Montgomery Rd
Cincinnati, OH 45236
https://www.gccu.org
Privately insuredNot NCUA
Customer Reviews
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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.

Greater Cincinnati School Credit Union CD Rates

Product Rate APY Term View More
1 Year Diamond Club Certificate 3.75% 3.82% 1 Year
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
2 Year Diamond Club Certificate 3.70% 3.76% 2 Years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 6 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
3 Year Diamond Club Certificate 3.65% 3.71% 3 Years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
5 Year Diamond Club Certificate 3.65% 3.71% 5 Years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Jumbo Share Certificates - 6 month 3.60% 3.66% 6 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
1 Year Certificate (12 mos.) 3.25% 3.30% 1 Year
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
6 Month Certificate 3.25% 3.30% 6 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
2 Year Certificate (24 mos.) 3.20% 3.25% 2 Years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
30 Month Certificate 3.20% 3.25% 30 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
One Up Share Certificate - 30 month 3.20% 3.25% 30 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
3 Year Certificate (36 mos.) 3.15% 3.20% 3 Years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 10, 2026: 3.20% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
4 Year Certificate (48 mos.) 3.15% 3.20% 4 Years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
5 Year Certificate (60 mos.) 3.15% 3.20% 5 Years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 10, 2026: 3.20% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
One Up Share Certificate - 4 Years 3.15% 3.20% 4 Years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 22, 2026: 3.20% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Savings Rates

Product Rate APY View More
Holiday Club 0.50% 0.50%
Details Account Matures/Dividends Paid: 11/1/2026
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Vacation Club 0.50% 0.50%
Details Account Matures/Dividends Paid: 5/1/2027
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Health Savings Accounts 0.15% 0.15%
Details Dividend Paid Monthly
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 10, 2026: 0.15% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Money Market Rates

Product Rate APY View More
Money Market Account 2.15% 2.17%
Min Balance $75,000
Details Balance: $75,000 - higher
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 6 times
1.67%2.17%2.67%Sep 14, 2026: 2.17% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Money Market Account 2.00% 2.02%
Min Balance $50,000
Details Balance: $50,000 - $74,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Money Market Account 1.75% 1.76%
Min Balance $25,000
Details Balance: $25,000 - $49,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Money Market Account 1.65% 1.66%
Min Balance $2,500
Details Balance: $2,500 - $24,999
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 6 times
1.16%1.66%2.16%Sep 14, 2026: 1.66% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Money Market Account 0.25% 0.25%
Min Deposit $300
Min Balance $2,500
Details Dividends Paid Monthly. $2,500 Minimum Balance to Earn Dividends. (a) Dividend rate is calculated on a daily basis (b) Annual Percentage Yield based on dividends accumulating to account.
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 1.66% → 0.25% ▼ 1.41 pts · high 1.66% / low 0.25%
0.00%1.54%3.07%Sep 14, 2026: 1.66% APYOct 10, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20260.25%▼ from 1.66%
  • Sep 14, 20261.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Auto Loan Rates

Product Rate Points APR Term View More
NEW AUTO - - 5.25% up to 66 months
Details Credit Tier/LTV: A+/ 110%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
NEW AUTO - - 5.35% up to 66 months
Details Credit Tier/LTV: A / 105%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 5.35% ▲ 0.10 pts · high 5.35% / low 5.25%
4.75%5.30%5.85%Sep 14, 2026: 5.25% APRSep 18, 2026: 5.35% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.35%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
NEW AUTO - - 5.50% up to 66 months
Details Credit Tier/LTV: B / 100%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.25% APRSep 18, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.50%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
NEW AUTO - - 5.65% up to 66 months
Details Credit Tier/LTV: C / 100%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 5.65% ▲ 0.40 pts · high 5.65% / low 5.25%
4.75%5.45%6.15%Sep 14, 2026: 5.25% APRSep 18, 2026: 5.65% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.65%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
USED AUTO - - 6.25% up to 66 months
Details Credit Tier/LTV: A+/ 110%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
USED AUTO - - 6.35% up to 66 months
Details Credit Tier/LTV: A / 105%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.35% ▲ 0.10 pts · high 6.35% / low 6.25%
5.75%6.30%6.85%Sep 14, 2026: 6.25% APRSep 18, 2026: 6.35% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.35%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
USED AUTO - - 6.50% up to 66 months
Details Credit Tier/LTV: B / 100%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
5.75%6.38%7.00%Sep 14, 2026: 6.25% APRSep 18, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.50%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
USED AUTO - - 6.65% up to 66 months
Details Credit Tier/LTV: C / 100%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.65% ▲ 0.40 pts · high 6.65% / low 6.25%
5.75%6.45%7.15%Sep 14, 2026: 6.25% APRSep 18, 2026: 6.65% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.65%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
NEW AUTO - - 7.15% up to 66 months
Details Credit Tier/LTV: D / 95%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 7.15% ▲ 1.90 pts · high 7.15% / low 5.25%
3.35%6.20%9.05%Sep 14, 2026: 5.25% APRSep 18, 2026: 7.15% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20267.15%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
NEW AUTO - - 7.75% up to 66 months
Details Credit Tier/LTV: E / 90%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 7.75% ▲ 2.50 pts · high 7.75% / low 5.25%
2.75%6.50%10.25%Sep 14, 2026: 5.25% APRSep 18, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20267.75%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
USED AUTO - - 8.15% up to 66 months
Details Credit Tier/LTV: D / 95%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 8.15% ▲ 1.90 pts · high 8.15% / low 6.25%
4.35%7.20%10.05%Sep 14, 2026: 6.25% APRSep 18, 2026: 8.15% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20268.15%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
USED AUTO - - 8.75% up to 66 months
Details Credit Tier/LTV: E / 90%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 8.75% ▲ 2.50 pts · high 8.75% / low 6.25%
3.75%7.50%11.25%Sep 14, 2026: 6.25% APRSep 18, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20268.75%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
NEW AUTO - - 9.00% up to 66 months
Details Credit Tier/LTV: Second Chance / 90%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 9.00% ▲ 3.75 pts · high 9.00% / low 5.25%
1.50%7.13%12.75%Sep 14, 2026: 5.25% APRSep 18, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20269.00%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
USED AUTO - - 10.00% up to 66 months
Details Credit Tier/LTV: Second Chance / 90%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 10.00% ▲ 3.75 pts · high 10.00% / low 6.25%
2.50%8.13%13.75%Sep 14, 2026: 6.25% APRSep 18, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 202610.00%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RV LOANS - 7.25%
Details Credit Tier/LTV: A+/ 110%
Last Updated 10/10/2026
Rate History
No change since Sep 22, 2026 · 7.25% APR · checked 4 times
6.75%7.25%7.75%Sep 22, 2026: 7.25% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
RV LOANS - 7.40%
Details Credit Tier/LTV: A / 105%
Last Updated 10/10/2026
Rate History
No change since Sep 22, 2026 · 7.40% APR · checked 4 times
6.90%7.40%7.90%Sep 22, 2026: 7.40% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
RV LOANS - 7.55%
Details Credit Tier/LTV: B / 100%
Last Updated 10/10/2026
Rate History
No change since Sep 22, 2026 · 7.55% APR · checked 4 times
7.05%7.55%8.05%Sep 22, 2026: 7.55% APRSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
RV LOANS - 8.05%
Details Credit Tier/LTV: C / 100%
Last Updated 10/10/2026
Rate History
1 change since Sep 22, 2026 · 7.55% → 8.05% ▲ 0.50 pts · high 8.05% / low 7.55%
7.05%7.80%8.55%Sep 22, 2026: 7.55% APROct 10, 2026: 8.05% APRSep 22, 2026Oct 13, 2026
  • Oct 10, 20268.05%▲ from 7.55%
  • Sep 22, 20267.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Credit Card Rates

Product Rate APR View More
SHARE SECURED VISA CARD AVAILABLE - A+ 10.90% 10.90%
Details Diamond Club*: 8.90%; Maximum Limits: $15,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.90% APR
10.40%10.90%11.40%Oct 10, 2026: 10.90% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Visa Credit Card - A+ - 11.90%
Details Diamond Club*: 9.90%; Maximum Limits: $25,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 6 times
11.40%11.90%12.40%Sep 14, 2026: 11.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
SHARE SECURED VISA CARD AVAILABLE - B 12.90% 12.90%
Details Diamond Club*: 10.90%; Maximum Limits: $12,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 12.90% APR
12.40%12.90%13.40%Oct 10, 2026: 12.90% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Visa Credit Card - B - 13.90%
Details Diamond Club*: 11.90%; Maximum Limits: $17,500
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 13.90% APR · checked 6 times
13.40%13.90%14.40%Sep 14, 2026: 13.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
SHARE SECURED VISA CARD AVAILABLE - C 14.90% 14.90%
Details Diamond Club*: 12.90%; Maximum Limits: $7,500
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 14.90% APR
14.40%14.90%15.40%Oct 10, 2026: 14.90% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Visa Credit Card - C - 15.90%
Details Diamond Club*: 13.90%; Maximum Limits: $12,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 15.90% APR · checked 6 times
15.40%15.90%16.40%Sep 14, 2026: 15.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
SHARE SECURED VISA CARD AVAILABLE - D 16.90% 16.90%
Details Diamond Club*: 14.90%; Maximum Limits: $5,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 16.90% APR
16.40%16.90%17.40%Oct 10, 2026: 16.90% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
SHARE SECURED VISA CARD AVAILABLE - E 17.90% 17.90%
Details Diamond Club*: 15.90%; Maximum Limits: $3,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 17.90% APR
17.40%17.90%18.40%Oct 10, 2026: 17.90% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Personal Loan Rates

Product APR Term View More
Short Term Personal Loan - Tier A+ 8.50%
Details Maximum Limits: $7,500; Diamond Club*
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 10, 2026: 8.50% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier 8.65%
Details Maximum Limits: $6,500; Diamond Club*
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.65% APR
8.15%8.65%9.15%Oct 10, 2026: 8.65% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier B 8.80%
Details Maximum Limits: $5,500; Diamond Club*
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.80% APR
8.30%8.80%9.30%Oct 10, 2026: 8.80% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier C 10.00%
Details Maximum Limits: $4,500; Diamond Club*
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 10, 2026: 10.00% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - A+ 10.50% up to 72 months
Details Diamond Club*: 9.50%; Maximum Limits: $20,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.50% APR
10.00%10.50%11.00%Oct 10, 2026: 10.50% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan 10.65% up to 72 months
Details Diamond Club*: 9.65%; Maximum Limits: $20,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.65% APR
10.15%10.65%11.15%Oct 10, 2026: 10.65% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - B 11.15% up to 72 months
Details Diamond Club*: 10.15%; Maximum Limits: $15,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 11.15% APR
10.65%11.15%11.65%Oct 10, 2026: 11.15% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier D 11.25%
Details Maximum Limits: $4,000; Diamond Club*
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 11.25% APR
10.75%11.25%11.75%Oct 10, 2026: 11.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier E 11.95%
Details Maximum Limits: $3,500; Diamond Club*
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 11.95% APR
11.45%11.95%12.45%Oct 10, 2026: 11.95% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - C 12.15% up to 72 months
Details Diamond Club*: 11.15%; Maximum Limits: $10,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 12.15% APR
11.65%12.15%12.65%Oct 10, 2026: 12.15% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier Second Chance 12.75%
Details Maximum Limits: $3,000; Diamond Club*
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 12.75% APR
12.25%12.75%13.25%Oct 10, 2026: 12.75% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - D 12.85% up to 72 months
Details Diamond Club*: 11.85%; Maximum Limits: $7,500
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 12.85% APR
12.35%12.85%13.35%Oct 10, 2026: 12.85% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - E 13.85% up to 72 months
Details Diamond Club*: 12.85%; Maximum Limits: $5,000
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 13.85% APR
13.35%13.85%14.35%Oct 10, 2026: 13.85% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Other Rates

Product Rate Points APY/APR Term View More
Owner Occupied, Single Family Homes Loan 5.75% - 5.75% 10 years
Details Tier: A+; LTV: 90%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 10, 2026: 5.75% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 6.00% - 6.00% 15 years
Details Tier: A+; LTV: 90%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 10, 2026: 6.00% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 6.50% - 6.50% 30 years
Details Tier: A+; LTV: 90%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 10, 2026: 6.50% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 5.85% - 5.85% 10 years
Details Tier: A; LTV: 85%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.85% APR
5.35%5.85%6.35%Oct 10, 2026: 5.85% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 6.10% - 6.10% 15 years
Details Tier: A; LTV: 85%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.10% APR
5.60%6.10%6.60%Oct 10, 2026: 6.10% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 6.60% - 6.60% 30 years
Details Tier: A; LTV: 85%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.60% APR
6.10%6.60%7.10%Oct 10, 2026: 6.60% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 5.95% - 5.95% 10 years
Details Tier: B; LTV: 80%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 10, 2026: 5.95% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 6.20% - 6.20% 15 years
Details Tier: B; LTV: 80%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.20% APR
5.70%6.20%6.70%Oct 10, 2026: 6.20% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 6.70% - 6.70% 30 years
Details Tier: B; LTV: 80%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.70% APR
6.20%6.70%7.20%Oct 10, 2026: 6.70% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 6.70% - 6.70% 10 years
Details Tier: C; LTV: 80%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.70% APR
6.20%6.70%7.20%Oct 10, 2026: 6.70% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 6.95% - 6.95% 15 years
Details Tier: C; LTV: 80%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 6.95% APR
6.45%6.95%7.45%Oct 10, 2026: 6.95% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 7.45% - 7.45% 30 years
Details Tier: C; LTV: 80%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.45% APR
6.95%7.45%7.95%Oct 10, 2026: 7.45% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 8.00% - 8.00% 10 years
Details Tier: D, E; LTV: 75%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 10, 2026: 8.00% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 8.25% - 8.25% 15 years
Details Tier: D, E; LTV: 75%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.25% APR
7.75%8.25%8.75%Oct 10, 2026: 8.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Owner Occupied, Single Family Homes Loan 8.75% - 8.75% 30 years
Details Tier: D, E; LTV: 75%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.75% APR
8.25%8.75%9.25%Oct 10, 2026: 8.75% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Educational IRA Passbook Account 0.25% - 0.25%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 10, 2026: 0.25% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Regular Share 0.05% - 0.05%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Roth IRA Passbook Account 0.15% - 0.15%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 10, 2026: 0.15% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Traditional IRA Passbook Account 0.10% - 0.10%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 10, 2026: 0.10% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Youth Account 0.20% - 0.20%
Details Dividends Paid Monthly.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%

Financial Health History

Greater Cincinnati School Credit Union’s Texas Ratio rose from 1.04% in Q3 2023 to 2.13% 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.

0% 1.0★ 1.3% 2.0★ 2.7% 3.0★ 4% 4.0★ 5.3% 5.0★ Healthy zone – entire history below the 15% limit 1.04% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.13% A+ Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$135M2.13%5.0A+
March 31, 2026$135M1.30%5.0A+
December 31, 2025$134M1.93%5.0A+
September 30, 2025$134M3.70%5.0A+
June 30, 2025$135M3.93%5.0A+
March 31, 2025$133M2.47%5.0A+
December 31, 2024$129M2.76%5.0A+
September 30, 2024$127M1.35%5.0A+
June 30, 2024$125M2.13%5.0A+
March 31, 2024$126M1.90%5.0A+
December 31, 2023$126M2.08%5.0A+
September 30, 2023$127M1.04%5.0A+
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 Greater Cincinnati School 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 Greater Cincinnati School 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 Greater Cincinnati School Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Cincinnati School Credit Union
Address 7221 Montgomery Rd, Cincinnati, OH 45236
Phone 513-559-1234
Fax 513-793-0138
President Harriet Russell
CEO Phil Kiley
Full-Time Employees 32
Part-Time Employees 2
Branch Locations 5
ATM Locations 4
NCUA Insured No, not federally insured
Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.13%
Return on Assets (ROA)
0.3092%
Return on Equity (ROE)
2.3106%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
135,050,640
Total Amount of Shares and Deposits
116,332,232
Total Shares and Deposits < 1 Year
109,683,282
Total Shares and Deposits 1 3 Years
3,709,485
Total Shares and Deposits > 3 Years
2,939,466
Total Interest Expense (Sum of items 6 8)
544,593
Share Certificates
635
Number of Accounts for Share Drafts
3,601
IRA KEOGH Accounts
391
Number of Accounts for Regular Shares
9,501
All other shares
3,284
Money Market Shares
374
Net Income (unless the amount is already included in Undivided Earnings)
417,549
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)
26,616,735
Total Liabilities
116,979,392
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Greater Cincinnati School Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/greater-cincinnati-school-credit-union-rates-review-96722">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Greater Cincinnati School Credit Union

How many branches does Greater Cincinnati School Credit Union operate?

Greater Cincinnati School 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 Greater Cincinnati School Credit Union?

Yes, to access services at Greater Cincinnati School 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, Greater Cincinnati School 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, Greater Cincinnati School Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Greater Cincinnati School Credit Union offer online and mobile banking?

Most modern institutions like Greater Cincinnati School 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.gccu.org.

Current Greater Cincinnati School Credit Union Rates

  • 12-Month CD3.30%
  • 24-Month CD3.25%
  • 60-Month CD3.20%
  • Savings0.15%
  • MMA2.17%
Retrieved from our database of financial products. Rates subject to change.