What are the current interest rates at Cincinnatus S&L Co.?

Current rates for Cincinnatus S&L Co. include: 12-Month CD: 0.25%, 18-Month CD: 0.20%, 24-Month CD: 0.35%, 36-Month CD: 0.40%, 48-Month CD: 0.50%, 60-Month CD: 0.65%, Savings: 0.05%

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Cincinnatus S&L Co. Rates & Review September 2026

Q: How many branches does Cincinnatus S&L Co. operate?

Cincinnatus S&L Co. currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Cincinnatus S&L Co. 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cincinnatus S&L Co. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Cincinnatus S&L Co.'s 60-Month Certificate rates are at 0.65%, 48-Month Certificate rates are at 0.50%, 36-Month Certificate rates are at 0.40%, 24-Month Certificate rates are at 0.35%, 18-Month Certificate rates are at 0.30%. Cincinnatus S&L Co.'s savings rates are at 0.05%. Cincinnatus S&L Co.'s 15 Year Fixed Rate rates are at 6.38%, First Mortgage Purchase or Refinance rates are at 6.38%, 30 Year Fixed Rate rates are at 7.00%, First Mortgage Purchase or Refinance rates are at 7.00%. MonitorBankRates evaluates the financial stability of Cincinnatus S&L Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.17%. Rates last updated and verified on 09/20/2026.

Cincinnatus S&L Co. 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 Cincinnatus S&L Co.? Share your experience about Cincinnatus S&L Co. by leaving a review below, or read customer reviews before you decide to use Cincinnatus S&L Co..

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cincinnatus S&L Co.

3300 Harrison Ave
Cincinnati, OH 45211

https://www.cincinnatussl.com

Cincinnatus S&L Co. CD Rates

Product	Rate	APY	Term
60 Month Certificate	0.65%	0.65%	60 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
48 Month Certificate	0.50%	0.50%	48 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
36 Month Certificate	0.40%	0.40%	36 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
24 Month Certificate	0.35%	0.35%	24 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
18 Month Certificate	0.30%	0.30%	18 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
12 Month Certificate	0.25%	0.25%	12 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
9 Month Certificate	0.25%	0.25%	9 Month
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
18 Month IRA Certificate	-	0.20%	18 Month
Min Deposit $250 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
182 Day Certificate	0.10%	0.10%	182 Day
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
91 Day Certificate	0.05%	0.05%	91 Day
Min Deposit $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

Cincinnatus S&L Co. Savings Rates

Product	Rate	APY
CHRISTMAS/VACATION CLUBS (Clubs begin in October / May)	0.05%	0.05%
Min Deposit $10 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Statement Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100.00 - To avoid $8.00 quarterly fee Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

Cincinnatus S&L Co. Checking Rates

Product	Rate	APY
Simply Supreme Checking	0.07%	0.07%
Min Balance $10 Details Balance: To avoid $10.00 monthly fee; Duplicate Only Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Simply Senior Checking	0.05%	0.05%
Min Deposit $100 Details Minimum: $100.00 minimum to open Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Simply Super Checking	0.05%	0.05%
Min Deposit $300 Min Balance $8 Details Balance: to avoid $8.00 monthly fee Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

Cincinnatus S&L Co. Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate	6.38%	-	6.50%	15 Year Fixed Rate
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
First Mortgage Purchase or Refinance	6.38%	-	6.50%	15-year fixed rate
Details Rates based on 80% LTV. Rates and terms valid for one to four family owner occupied homes. Examples Based on a 15-year fixed rate home loan of $200,000 with a rate of 6.375% and an APR of 6.503% the mortgage would be paid in 180 installments of $1,728.50. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
30 Year Fixed Rate	7.00%	-	7.09%	30 Year Fixed Rate
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
First Mortgage Purchase or Refinance	7.00%	-	7.09%	30-year fixed rate
Details Rates based on 80% LTV. Rates and terms valid for one to four family owner occupied homes. Based on a 30-year fixed rate home loan of $200,000 with a rate of 7.000% and an APR of 7.0858%, the mortgage would be paid in 360 installments of $1,330.60. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

Cincinnatus S&L Co. Other Rates

Product	Rate	Points	APY/APR	Term
Affordable Rate Program - 15-year Loan	4.00%	-	4.08%	15-year
Details Qualifications Required: Income restrictions apply: 80% or less of the Area Median Income (AMI) (Hamilton, Butler, Clermont Counties AMI = $88,560, contact a Loan Officer for additional county AMI); Assumes 80% loan-to-value, primary residence, single family home, over 680 credit score. Payments do not include taxes or insurance. If included, the actual payment will be greater. Other restrictions may apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Affordable Rate Program - 30-year Loan	4.50%	-	4.55%	30-year
Details Qualifications Required: Income restrictions apply: 80% or less of the Area Median Income (AMI) (Hamilton, Butler, Clermont Counties AMI = $88,560, contact a Loan Officer for additional county AMI); Assumes 80% loan-to-value, primary residence, single family home, over 680 credit score. Payments do not include taxes or insurance. If included, the actual payment will be greater. Other restrictions may apply. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Premier Investment	0.10%	-	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - To avoid $10.00 monthly fee Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

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

Cincinnatus S&L Co.’s Texas Ratio stayed near 1.63% in Q3 2023 to 1.17% 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 bank’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	$193M	1.17%	5.0	A+
March 31, 2026	$191M	0.34%	5.0	A+
December 31, 2025	$184M	0.69%	5.0	A+
September 30, 2025	$179M	0.34%	5.0	A+
June 30, 2025	$179M	0.00%	5.0	A+
March 31, 2025	$173M	0.00%	5.0	A+
December 31, 2024	$166M	0.44%	5.0	A+
September 30, 2024	$168M	0.01%	5.0	A+
June 30, 2024	$137M	0.00%	5.0	A+
March 31, 2024	$139M	1.24%	5.0	A+
December 31, 2023	$136M	1.32%	5.0	A+
September 30, 2023	$136M	1.63%	5.0	A+

Source: FDIC 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 Cincinnatus S&L Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cincinnatus S&L Co. 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 Cincinnatus S&L Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Cincinnatus S&L Co.

Bank Holding Company CINCINNATUS CMTY BCORP MHC

Address 3300 Harrison Ave, Cincinnati, OH 45211 · Hamilton

Website https://www.cincinnatussl.com

FDIC Certificate # 28157

Established 18850101

FDIC Insurance Date 19890809

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9287%

Return on Equity (ROE) 6.2200%

Non-Performing Loans (NPL) 0.17%

Total Assets $193,097,000

Total Deposits $163,026,000

Equity Capital $28,664,000

Net Income $880,000

Headquarters Cincinnati

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Cincinnatus S&L Co. earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Cincinnatus S&L Co.

How many branches does Cincinnatus S&L Co. operate?

Cincinnatus S&L Co. currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cincinnatus S&L Co. 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, Cincinnatus S&L Co. provides members with tools to manage their accounts and build a solid financial history.

Does Cincinnatus S&L Co. offer online and mobile banking?

Most modern institutions like Cincinnatus S&L Co. 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.cincinnatussl.com.