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Advertiser Disclosure
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 Local Union 392 Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: April 6, 2026
Local Union 392 Federal Credit Union's 60 month CD rates are at 2.52%, 48 month CD rates are at 2.12%, 36 month CD rates are at 1.91%, 24 month CD rates are at 1.71%, 12 month CD rates are at 1.51%. Local Union 392 Federal Credit Union's Personal Loan Rates are at 5.25%. MonitorBankRates evaluates the financial stability of Local Union 392 Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.65%. Rates were last updated on 04/06/2026. Local Union 392 Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Local Union 392 Federal Credit Union? Share your experience about Local Union 392 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Local Union 392 Federal Credit Union. Local Union 392 Federal Credit Union
Main Office 1228 Central Pkwy Ste 302
https://www.392fcu.org Cincinnati, OH 45202 
Local Union 392 Federal Credit Union CD Rates
Local Union 392 Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Local Union 392 Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Local Union 392 Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Local Union 392 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Local Union 392 Federal Credit Union
Website
https://www.392fcu.org
Address
1228 Central Pkwy Ste 302,
Cincinnati, OH 45202
Phone
513-621-4600
Fax
513-621-6609
President
Donny Knight
CEO
Valerie Fortman
Full-Time Employees
3
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.65%
Return on Assets (ROA)
1.1584%
Return on Equity (ROE)
7.2018%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
16,526,380
Total Amount of Shares and Deposits
13,783,265
Total Shares and Deposits < 1 Year
12,476,494
Total Shares and Deposits 1 3 Years
242,395
Total Shares and Deposits > 3 Years
1,064,375
Total Insured Shares and Deposits > $250K (item 17 less item K)
13,783,265
Total Interest Expense (Sum of items 6 8)
55,560
Share Certificates
55
Number of Accounts for Share Drafts
511
Number of Accounts for Regular Shares
2,763
Net Income (unless the amount is already included in Undivided Earnings)
191,447
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,459,330
Total Liabilities
13,875,458
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Local Union 392 Federal Credit UnionIs Local Union 392 Federal Credit Union a safe place to deposit money?Yes, Local Union 392 Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.6460691719209%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Local Union 392 Federal Credit Union operate?Local Union 392 Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Local Union 392 Federal Credit Union?Yes, to access services at Local Union 392 Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Local Union 392 Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Local Union 392 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Local Union 392 Federal Credit Union offer online and mobile banking?Most modern institutions like Local Union 392 Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.392fcu.org. Current Local Union 392 Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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