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Greater Cincinnati School Credit Union

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Greater Cincinnati School Credit Union Rates & Review November 2026

Q: What are the current interest rates at Greater Cincinnati School Credit Union?

Current rates for Greater Cincinnati School Credit Union include: 12-Month CD: 3.30%, 24-Month CD: 3.25%, 60-Month CD: 3.20%, Savings: 0.15%, MMA: 2.17%

Q: What CD terms does Greater Cincinnati School Credit Union offer?

Greater Cincinnati School Credit Union CD rates are 3.30% APY for a 6 month CD, 3.30% APY for a 12 month CD, 3.25% APY for a 2 year CD, 3.25% APY for a 30 month CD, 3.20% APY for a 3 year CD and 3.20% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Greater Cincinnati School Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Greater Cincinnati School Credit Union's Regular CDs - 1 Year rates are at 3.30%, Regular CDs - 6 month rates are at 3.30%, Regular CDs - 2 Years rates are at 3.25%, Regular CDs - 30 month rates are at 3.25%, Regular CDs - 3 Years rates are at 3.20%. Greater Cincinnati School Credit Union's savings rates are at 0.15%. Greater Cincinnati School Credit Union's money market rates are at 2.17%. Greater Cincinnati School Credit Union's Owner Occupied Single Family Home Mortgage - Tier A+ - 10 Yrs. rates are at 5.75%, Owner Occupied Single Family Home Mortgage - Tier A - 10 Yrs. rates are at 5.85%, Owner Occupied Single Family Home Mortgage - Tier B - 10 Yrs. rates are at 5.95%, Owner Occupied Single Family Home Mortgage - Tier A+ - 15 Yrs. rates are at 6.00%, Owner Occupied Single Family Home Mortgage - Tier A - 15 Yrs. rates are at 6.10%. Greater Cincinnati School Credit Union's Personal Loan Rates are as low as 8.50%. Greater Cincinnati School Credit Union's Credit Card Rates are at 11.90%. Greater Cincinnati School Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026.

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.

Verified Healthy 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

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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
Diamond Club Certificates - 1 Year	3.75%	3.82%	1 Year
Min Deposit $300 Details Diamond Club members with Share Savings, Share Draft Checking, Visa Debit Card and VISA Credit Card; Dividends Paid Monthly; subject to penalties for early withdrawal Last Updated 10/30/2026 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%
Diamond Club Certificates - 2 Years	3.70%	3.76%	2 Years
Min Deposit $300 Details Diamond Club members with Share Savings, Share Draft Checking, Visa Debit Card and VISA Credit Card; Dividends Paid Monthly; subject to penalties for early withdrawal Last Updated 10/30/2026 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%
Diamond Club Certificates - 3 Years	3.65%	3.71%	3 Years
Min Deposit $300 Details Diamond Club members with Share Savings, Share Draft Checking, Visa Debit Card and VISA Credit Card; Dividends Paid Monthly; subject to penalties for early withdrawal Last Updated 10/30/2026 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%
Diamond Club Certificates - 5 Years	3.65%	3.71%	5 Years
Min Deposit $300 Details Diamond Club members with Share Savings, Share Draft Checking, Visa Debit Card and VISA Credit Card; Dividends Paid Monthly; subject to penalties for early withdrawal Last Updated 10/30/2026 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 Certificate - 6 month	3.60%	3.66%	6 Months
Min Deposit $100,000 Details Dividends Paid Monthly; Dividend rate is calculated on a daily basis; APY based on dividends accumulating to account; All Term Certificates are subject to penalties for early withdrawal Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.66% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Share Certificates - 1 Year	3.25%	3.30%	1 Year (12 mos.)
Min Balance $300 Details Dividends Paid Monthly; early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Share Certificates - 6 month	3.25%	3.30%	6 Months
Min Balance $300 Details Dividends Paid Monthly; early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Share Certificates - 2 Years	3.20%	3.25%	2 Years (24 mos.)
Min Balance $300 Details Dividends Paid Monthly; early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Share Certificates - 30 month	3.20%	3.25%	30 Months
Min Balance $300 Details Dividends Paid Monthly; early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Share Certificates - 3 Years	3.15%	3.20%	3 Years (36 mos.)
Min Balance $300 Details Dividends Paid Monthly; early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Share Certificates - 4 Years	3.15%	3.20%	4 Years (48 mos.)
Min Balance $300 Details Dividends Paid Monthly; early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Share Certificates - 5 Years	3.15%	3.20%	5 Years (60 mos.)
Min Balance $300 Details Dividends Paid Monthly; early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.50%	0.50%
Details Account Matures/Dividends Paid: 11/1/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Health Savings Account	0.15%	0.15%
Details Dividends Paid Monthly; Dividend rate calculated on a daily basis; APY based on dividends accumulating to account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Regular Share	0.05%	0.05%
Min Balance $5 Details Basic Member Programs; Minimum Balance $5; Dividends Paid Monthly; Dividend rate is calculated on a daily basis Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.15%	2.17%
Min Deposit $300 Min Balance $75,000 Details Balance: $75,000 - higher; Tier 4; Dividends Paid Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.17% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Money Market Account	2.00%	2.02%
Min Deposit $300 Min Balance $50,000 Details Balance: $50,000 - $74,999; Tier 3; Dividends Paid Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Money Market Account	1.75%	1.76%
Min Deposit $300 Min Balance $25,000 Details Balance: $25,000 - $49,999; Tier 2; Dividends Paid Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Money Market Account	1.65%	1.66%
Min Deposit $300 Min Balance $2,500 Details Balance: $2,500 - $24,999; Tier 1; Dividends Paid Monthly; $2,500 Minimum Balance to Earn Dividends Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Owner Occupied Single Family Home Mortgage - Tier A+ - 10 Yrs.	5.75%	-	5.75%	10 years
Details LTV: 90%; Tier: A+; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier A - 10 Yrs.	5.85%	-	5.85%	10 years
Details LTV: 85%; Tier: A; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier B - 10 Yrs.	5.95%	-	5.95%	10 years
Details LTV: 80%; Tier: B; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier A+ - 15 Yrs.	6.00%	-	6.00%	15 years
Details LTV: 90%; Tier: A+; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier A - 15 Yrs.	6.10%	-	6.10%	15 years
Details LTV: 85%; Tier: A; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier B - 15 Yrs.	6.20%	-	6.20%	15 years
Details LTV: 80%; Tier: B; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier A+ - 30 Yrs.	6.50%	-	6.50%	30 years
Details LTV: 90%; Tier: A+; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier A - 30 Yrs.	6.60%	-	6.60%	30 years
Details LTV: 85%; Tier: A; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier B - 30 Yrs.	6.70%	-	6.70%	30 years
Details LTV: 80%; Tier: B; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier C - 10 Yrs.	6.70%	-	6.70%	10 years
Details LTV: 80%; Tier: C; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier C - 15 Yrs.	6.95%	-	6.95%	15 years
Details LTV: 80%; Tier: C; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier C - 30 Yrs.	7.45%	-	7.45%	30 years
Details LTV: 80%; Tier: C; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier D, E - 10 Yrs.	8.00%	-	8.00%	10 years
Details LTV: 75%; Tier: D, E; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier D, E - 15 Yrs.	8.25%	-	8.25%	15 years
Details LTV: 75%; Tier: D, E; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Owner Occupied Single Family Home Mortgage - Tier D, E - 30 Yrs.	8.75%	-	8.75%	30 years
Details LTV: 75%; Tier: D, E; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 7 Yrs. Fixed	6.00%	-	6.00%	7 years
Details Credit Tier: A+; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 7 Yrs. Fixed	6.10%	-	6.10%	7 years
Details Credit Tier: A; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 7 Yrs. Fixed	6.20%	-	6.20%	7 years
Details Credit Tier: B; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 7 Yrs. Fixed	6.45%	-	6.45%	7 years
Details Credit Tier: C; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 10 Yrs. Fixed	6.50%	-	6.50%	10 years
Details Credit Tier: A+; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 10 Yrs. Fixed	6.60%	-	6.60%	10 years
Details Credit Tier: A; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 10 Yrs. Fixed	6.70%	-	6.70%	10 years
Details Credit Tier: B; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 7 Yrs. Fixed	6.75%	-	6.75%	7 years
Details Credit Tier: D, E; LTV: 75%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 10 Yrs. Fixed	6.95%	-	6.95%	10 years
Details Credit Tier: C; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 12 Yrs. Fixed	7.00%	-	7.00%	12 years
Details Credit Tier: A+; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 12 Yrs. Fixed	7.10%	-	7.10%	12 years
Details Credit Tier: A; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 12 Yrs. Fixed	7.20%	-	7.20%	12 years
Details Credit Tier: B; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 10 Yrs. Fixed	7.25%	-	7.25%	10 years
Details Credit Tier: D, E; LTV: 75%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 12 Yrs. Fixed	7.45%	-	7.45%	12 years
Details Credit Tier: C; LTV: 80%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Loan - 12 Yrs. Fixed	7.75%	-	7.75%	12 years
Details Credit Tier: D, E; LTV: 75%; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Home Equity Line of Credit	8.00%	-	8.00%
Details Credit Tier: A+; LTV: 80%; Variable credit line; Minimum loan or line of credit $5,000; $400 non-refundable application fee; 31 day rate lock; no annual fees Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 14, 20268.00%▲ from 7.75% Sep 14, 20267.75%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
New Auto Loan	-	-	5.25%	up to 66 months
Details Credit Tier: A+; LTV: 110%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
New Auto Loan	-	-	5.35%	up to 66 months
Details Credit Tier: A; LTV: 105%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	5.50%	up to 66 months
Details Credit Tier: B; LTV: 100%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	5.65%	up to 66 months
Details Credit Tier: C; LTV: 100%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	6.25%	up to 66 months
Details Credit Tier: A+; LTV: 110%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Used Auto Loan	-	-	6.35%	up to 66 months
Details Credit Tier: A; LTV: 105%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	6.50%	up to 66 months
Details Credit Tier: B; LTV: 100%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	6.65%	up to 66 months
Details Credit Tier: C; LTV: 100%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	7.15%	up to 66 months
Details Credit Tier: D; LTV: 95%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	7.75%	up to 66 months
Details Credit Tier: E; LTV: 90%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	8.15%	up to 66 months
Details Credit Tier: D; LTV: 95%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	8.75%	up to 66 months
Details Credit Tier: E; LTV: 90%; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	9.00%	up to 66 months
Details Credit Tier: Second Chance; LTV: 90%; Second Chance Consideration = Minimum Credit Score of 550; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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 Loan	-	-	10.00%	up to 66 months
Details Credit Tier: Second Chance; LTV: 90%; Second Chance Consideration = Minimum Credit Score of 550; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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
RV Loan	-	7.25%
Details Credit Tier: A+; LTV: 100%; Terms not stated in table; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
RV Loan	-	7.40%
Details Credit Tier: A; LTV: 100%; Terms not stated in table; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
RV Loan	-	7.55%
Details Credit Tier: B; LTV: 95%; Terms not stated in table; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.55% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
RV Loan	-	8.05%
Details Credit Tier: C; LTV: 95%; Terms not stated in table; Rate Discounts Available: Automatic Payment Debit(s) -.25% or Diamond Club -1.00% Last Updated 10/30/2026 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
Visa Credit Card	-	11.90%
Details Credit Tier: A+; Maximum Limit: $25,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Visa Credit Card	-	13.90%
Details Credit Tier: B; Maximum Limit: $17,500 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.90% → 13.90% ▲ 2.00 pts · high 13.90% / low 11.90% Oct 14, 202613.90%▲ from 11.90% Sep 14, 202611.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Visa Credit Card	-	15.90%
Details Credit Tier: C; Maximum Limit: $12,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.90% → 15.90% ▲ 4.00 pts · high 15.90% / low 11.90% Oct 14, 202615.90%▲ from 11.90% Sep 14, 202611.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

Greater Cincinnati School Credit Union Personal Loan Rates

Product	APR	Term
Short Term Personal Loan	8.50%	Up to 18 months
Details Credit Grade: A+; Maximum Limit: $7,500; Minimum Loan Amount: $500; Regular Rate; Automatic Debit discount -0.25% APR eligible Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Short Term Personal Loan	8.65%	Up to 18 months
Details Credit Grade: A; Maximum Limit: $6,500; Minimum Loan Amount: $500; Regular Rate; Automatic Debit discount -0.25% APR eligible Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Short Term Personal Loan	8.80%	Up to 18 months
Details Credit Grade: B; Maximum Limit: $5,500; Minimum Loan Amount: $500; Regular Rate; Automatic Debit discount -0.25% APR eligible Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans - Diamond Club	9.50%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier A+; Maximum Limits: $20,000; Diamond Club member rate (requires Share Savings, Share Draft Checking, Visa Debit Card and Visa Credit Card); Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans - Diamond Club	9.65%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier A; Maximum Limits: $20,000; Diamond Club member rate (requires Share Savings, Share Draft Checking, Visa Debit Card and Visa Credit Card); Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Short Term Personal Loan	10.00%	Up to 18 months
Details Credit Grade: C; Maximum Limit: $4,500; Minimum Loan Amount: $500; Regular Rate; Automatic Debit discount -0.25% APR eligible Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans - Diamond Club	10.15%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier B; Maximum Limits: $15,000; Diamond Club member rate (requires Share Savings, Share Draft Checking, Visa Debit Card and Visa Credit Card); Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans	10.50%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier A+; Maximum Limits: $20,000; Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans	10.65%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier A; Maximum Limits: $20,000; Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans	11.15%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier B; Maximum Limits: $15,000; Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans - Diamond Club	11.15%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier C; Maximum Limits: $10,000; Diamond Club member rate (requires Share Savings, Share Draft Checking, Visa Debit Card and Visa Credit Card); Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Short Term Personal Loan	11.25%	Up to 18 months
Details Credit Grade: D; Maximum Limit: $4,000; Minimum Loan Amount: $500; Regular Rate; Automatic Debit discount -0.25% APR eligible Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans - Diamond Club	11.85%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier D; Maximum Limits: $7,500; Diamond Club member rate (requires Share Savings, Share Draft Checking, Visa Debit Card and Visa Credit Card); Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Short Term Personal Loan	11.95%	Up to 18 months
Details Credit Grade: E; Maximum Limit: $3,500; Minimum Loan Amount: $500; Regular Rate; Automatic Debit discount -0.25% APR eligible Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans	12.15%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier C; Maximum Limits: $10,000; Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 12.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Short Term Personal Loan	12.75%	Up to 18 months
Details Credit Grade: Second Chance; Maximum Limit: $3,000; Minimum Loan Amount: $500; Regular Rate; Automatic Debit discount -0.25% APR eligible Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans	12.85%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier D; Maximum Limits: $7,500; Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 12.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans - Diamond Club	12.85%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier E; Maximum Limits: $5,000; Diamond Club member rate (requires Share Savings, Share Draft Checking, Visa Debit Card and Visa Credit Card); Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 12.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Personal Home Improvement Loans	13.85%	Up to 84 months
Details Term: Up to 84 months (home improvement); up to 72 months (personal); Tier E; Maximum Limits: $5,000; Discount: Automatic Debit -0.25% APR Eligible Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 13.85% APR · checked 3 times 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
IRA Passbook Account - Educational	0.25%	-	0.25%
Min Balance $25 Details IRA Passbook Accounts; Dividends Paid Monthly; IRA's may also be invested in a Share Certificate of at least a 1 yr. term Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
IRA Passbook Account - Roth	0.15%	-	0.15%
Min Balance $25 Details IRA Passbook Accounts; Dividends Paid Monthly; IRA's may also be invested in a Share Certificate of at least a 1 yr. term Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
IRA Passbook Account - Traditional	0.10%	-	0.10%
Min Balance $25 Details IRA Passbook Accounts; Dividends Paid Monthly; IRA's may also be invested in a Share Certificate of at least a 1 yr. term Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%
Youth Account	0.20%	-	0.20%
Min Balance $5 Details Basic Member Programs; Minimum Balance $5; Dividends Paid Monthly; Youth Account defined as being under 16 years of age Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.13%

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

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 Name Greater Cincinnati School Credit Union

Website https://www.gccu.org

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

2026 MBR Health & Safety Badge

Greater Cincinnati School Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Greater Cincinnati School Credit Union

Does Greater Cincinnati School Credit Union offer CDs?

Yes. Greater Cincinnati School Credit Union current CD rates include its Regular CDs - 1 Year at 3.30% APY, its Regular CDs - 6 month at 3.30% APY and its Regular CDs - 2 Years at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Greater Cincinnati School Credit Union NCUA insured?

No. Greater Cincinnati School Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account.

What is the highest CD rate at Greater Cincinnati School Credit Union?

The highest Greater Cincinnati School Credit Union CD rate is its Diamond Club CDs - 1 Year at 3.82% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Greater Cincinnati School Credit Union offer?

Greater Cincinnati School Credit Union CD rates are 3.30% APY for a 6 month CD, 3.30% APY for a 12 month CD, 3.25% APY for a 2 year CD, 3.25% APY for a 30 month CD, 3.20% APY for a 3 year CD and 3.20% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Greater Cincinnati School Credit Union for its full lineup.

What is the highest savings rate at Greater Cincinnati School Credit Union?

The highest Greater Cincinnati School Credit Union savings rate is its Health Savings Account at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Greater Cincinnati School Credit Union?

The highest Greater Cincinnati School Credit Union money market rate is its Money Market Account at 2.17% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Greater Cincinnati School Credit Union?

The lowest Greater Cincinnati School Credit Union mortgage rate is its Owner Occupied Single Family Home Mortgage - Tier A+ - 10 Yrs. at 5.75%, verified by MonitorBankRates as of October 30, 2026. Greater Cincinnati School Credit Union mortgage rates are 6.50% for a 30 year mortgage, 6.00% for a 15 year mortgage and 5.75% for a 10 year mortgage.

What is the lowest auto loan rate at Greater Cincinnati School Credit Union?

The lowest Greater Cincinnati School Credit Union auto loan rate is its New Auto Loan at 5.25% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Greater Cincinnati School Credit Union?

The lowest Greater Cincinnati School Credit Union personal loan rate is its Short Term Personal Loan at 8.50% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Greater Cincinnati School Credit Union?

The lowest Greater Cincinnati School Credit Union credit card APR is its Visa Credit Card at 11.90% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Greater Cincinnati School Credit Union rates compare?

Greater Cincinnati School Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. Greater Cincinnati School Credit Union's top rates are its Diamond Club CDs - 1 Year at 3.82% APY, its Health Savings Account at 0.15% APY, its Money Market Account at 2.17% APY, its Owner Occupied Single Family Home Mortgage - Tier A+ - 10 Yrs. at 5.75%, its Short Term Personal Loan at 8.50% APR and its Visa Credit Card at 11.90% APR, verified by MonitorBankRates on October 30, 2026.

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.

Compare to Other Credit Unions

Greater Cincinnati School Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Greater Cincinnati School Credit Union Texas Ratio

Greater Cincinnati School Credit Union Health Trend

Greater Cincinnati School Credit Union CD Rates

Greater Cincinnati School Credit Union Savings Rates

Greater Cincinnati School Credit Union Money Market Rates

Greater Cincinnati School Credit Union Mortgage Rates

Greater Cincinnati School Credit Union Home Equity & HELOC

Greater Cincinnati School Credit Union Auto Loan Rates

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

Greater Cincinnati School Credit Union Credit Card Rates

Greater Cincinnati School Credit Union Personal Loan Rates

Greater Cincinnati School Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Greater Cincinnati School Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Greater Cincinnati School Credit Union

Does Greater Cincinnati School Credit Union offer CDs?

Are CDs from Greater Cincinnati School Credit Union NCUA insured?

What is the highest CD rate at Greater Cincinnati School Credit Union?

What CD terms does Greater Cincinnati School Credit Union offer?

What is the highest savings rate at Greater Cincinnati School Credit Union?

What is the highest money market rate at Greater Cincinnati School Credit Union?

What is the lowest mortgage rate at Greater Cincinnati School Credit Union?

What is the lowest auto loan rate at Greater Cincinnati School Credit Union?

What is the lowest personal loan rate at Greater Cincinnati School Credit Union?

What is the lowest credit card APR at Greater Cincinnati School Credit Union?

How many branches does Greater Cincinnati School Credit Union operate?

Is a member application needed to join Greater Cincinnati School Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Greater Cincinnati School Credit Union rates compare?

Current Greater Cincinnati School Credit Union Rates

Compare to Other Credit Unions