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Greater Cincinnati School Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 10, 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.
Greater Cincinnati School Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Greater Cincinnati School Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.13%
ExcellentLower than avg
Greater Cincinnati School Credit Union Texas Ratio
Greater Cincinnati School Credit Union's Texas Ratio is 2.13%, which is considered excellent and is lower than the national average of 6.13%.
Greater Cincinnati School Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Greater Cincinnati School Credit Union Health Trend
1.04% to 2.13% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 6 times
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 Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.30% APY
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 Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.30% APY
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 Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.25% APY
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
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 Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 4 times
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 Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.20% APY
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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
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 Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 3.20% APY
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 Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 4 times
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%
DetailsAccount Matures/Dividends Paid: 11/1/2026
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Vacation Club
0.50%
0.50%
DetailsAccount Matures/Dividends Paid: 5/1/2027
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Health Savings Accounts
0.15%
0.15%
DetailsDividend Paid Monthly
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY
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
DetailsBalance: $75,000 - higher
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Money Market Account
2.00%
2.02%
Min Balance$50,000
DetailsBalance: $50,000 - $74,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Money Market Account
1.75%
1.76%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Money Market Account
1.65%
1.66%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 6 times
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
DetailsDividends 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 Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 1.66% → 0.25% ▼ 1.41 pts · high 1.66% / low 0.25%
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
DetailsCredit Tier/LTV: A+/ 110%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
NEW AUTO
-
-
5.35%
up to 66 months
DetailsCredit Tier/LTV: A / 105%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 5.35% ▲ 0.10 pts · high 5.35% / low 5.25%
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
DetailsCredit Tier/LTV: B / 100%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
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
DetailsCredit Tier/LTV: C / 100%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 5.65% ▲ 0.40 pts · high 5.65% / low 5.25%
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
DetailsCredit Tier/LTV: A+/ 110%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
USED AUTO
-
-
6.35%
up to 66 months
DetailsCredit Tier/LTV: A / 105%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.35% ▲ 0.10 pts · high 6.35% / low 6.25%
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
DetailsCredit Tier/LTV: B / 100%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
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
DetailsCredit Tier/LTV: C / 100%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 6.65% ▲ 0.40 pts · high 6.65% / low 6.25%
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
DetailsCredit Tier/LTV: D / 95%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 7.15% ▲ 1.90 pts · high 7.15% / low 5.25%
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
DetailsCredit Tier/LTV: E / 90%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 7.75% ▲ 2.50 pts · high 7.75% / low 5.25%
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
DetailsCredit Tier/LTV: D / 95%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 8.15% ▲ 1.90 pts · high 8.15% / low 6.25%
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
DetailsCredit Tier/LTV: E / 90%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 8.75% ▲ 2.50 pts · high 8.75% / low 6.25%
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
DetailsCredit Tier/LTV: Second Chance / 90%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.25% → 9.00% ▲ 3.75 pts · high 9.00% / low 5.25%
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
DetailsCredit Tier/LTV: Second Chance / 90%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.25% → 10.00% ▲ 3.75 pts · high 10.00% / low 6.25%
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%
DetailsCredit Tier/LTV: A+/ 110%
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 7.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
RV LOANS
-
7.40%
DetailsCredit Tier/LTV: A / 105%
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 7.40% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
RV LOANS
-
7.55%
DetailsCredit Tier/LTV: B / 100%
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 7.55% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
RV LOANS
-
8.05%
DetailsCredit Tier/LTV: C / 100%
Last Updated10/10/2026
Rate History
1 change since Sep 22, 2026 · 7.55% → 8.05% ▲ 0.50 pts · high 8.05% / low 7.55%
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%
DetailsDiamond Club*: 8.90%; Maximum Limits: $15,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 10.90% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Visa Credit Card - A+
-
11.90%
DetailsDiamond Club*: 9.90%; Maximum Limits: $25,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
SHARE SECURED VISA CARD AVAILABLE - B
12.90%
12.90%
DetailsDiamond Club*: 10.90%; Maximum Limits: $12,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 12.90% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Visa Credit Card - B
-
13.90%
DetailsDiamond Club*: 11.90%; Maximum Limits: $17,500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 13.90% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
SHARE SECURED VISA CARD AVAILABLE - C
14.90%
14.90%
DetailsDiamond Club*: 12.90%; Maximum Limits: $7,500
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 14.90% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Visa Credit Card - C
-
15.90%
DetailsDiamond Club*: 13.90%; Maximum Limits: $12,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 15.90% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
SHARE SECURED VISA CARD AVAILABLE - D
16.90%
16.90%
DetailsDiamond Club*: 14.90%; Maximum Limits: $5,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 16.90% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
SHARE SECURED VISA CARD AVAILABLE - E
17.90%
17.90%
DetailsDiamond Club*: 15.90%; Maximum Limits: $3,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 17.90% APR
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%
DetailsMaximum Limits: $7,500; Diamond Club*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier
8.65%
DetailsMaximum Limits: $6,500; Diamond Club*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.65% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier B
8.80%
DetailsMaximum Limits: $5,500; Diamond Club*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.80% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier C
10.00%
DetailsMaximum Limits: $4,500; Diamond Club*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - A+
10.50%
up to 72 months
DetailsDiamond Club*: 9.50%; Maximum Limits: $20,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 10.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan
10.65%
up to 72 months
DetailsDiamond Club*: 9.65%; Maximum Limits: $20,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 10.65% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - B
11.15%
up to 72 months
DetailsDiamond Club*: 10.15%; Maximum Limits: $15,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 11.15% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier D
11.25%
DetailsMaximum Limits: $4,000; Diamond Club*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 11.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier E
11.95%
DetailsMaximum Limits: $3,500; Diamond Club*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 11.95% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - C
12.15%
up to 72 months
DetailsDiamond Club*: 11.15%; Maximum Limits: $10,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 12.15% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Short Term Personal Loan - Tier Second Chance
12.75%
DetailsMaximum Limits: $3,000; Diamond Club*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 12.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - D
12.85%
up to 72 months
DetailsDiamond Club*: 11.85%; Maximum Limits: $7,500
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 12.85% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Personal Loan - E
13.85%
up to 72 months
DetailsDiamond Club*: 12.85%; Maximum Limits: $5,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 13.85% APR
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
DetailsTier: A+; LTV: 90%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.75% APR
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
DetailsTier: A+; LTV: 90%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.00% APR
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
DetailsTier: A+; LTV: 90%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.50% APR
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
DetailsTier: A; LTV: 85%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.85% APR
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
DetailsTier: A; LTV: 85%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.10% APR
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
DetailsTier: A; LTV: 85%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.60% APR
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
DetailsTier: B; LTV: 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.95% APR
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
DetailsTier: B; LTV: 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.20% APR
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
DetailsTier: B; LTV: 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.70% APR
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
DetailsTier: C; LTV: 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.70% APR
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
DetailsTier: C; LTV: 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.95% APR
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
DetailsTier: C; LTV: 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.45% APR
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
DetailsTier: D, E; LTV: 75%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.00% APR
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
DetailsTier: D, E; LTV: 75%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.25% APR
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
DetailsTier: D, E; LTV: 75%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 8.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Educational IRA Passbook Account
0.25%
-
0.25%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Regular Share
0.05%
-
0.05%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Roth IRA Passbook Account
0.15%
-
0.15%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Traditional IRA Passbook Account
0.10%
-
0.10%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.13%
Youth Account
0.20%
-
0.20%
DetailsDividends Paid Monthly.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
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.
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
$135M
2.13%
5.0
A+
March 31, 2026
$135M
1.30%
5.0
A+
December 31, 2025
$134M
1.93%
5.0
A+
September 30, 2025
$134M
3.70%
5.0
A+
June 30, 2025
$135M
3.93%
5.0
A+
March 31, 2025
$133M
2.47%
5.0
A+
December 31, 2024
$129M
2.76%
5.0
A+
September 30, 2024
$127M
1.35%
5.0
A+
June 30, 2024
$125M
2.13%
5.0
A+
March 31, 2024
$126M
1.90%
5.0
A+
December 31, 2023
$126M
2.08%
5.0
A+
September 30, 2023
$127M
1.04%
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 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 NameGreater Cincinnati School Credit Union
Private Share InsuranceNot 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
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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Greater Cincinnati School Credit Union
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.