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Cincinnatus S&L Co.

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Cincinnatus S&L Co. Rates & Review May 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: May 15, 2026

You can compare Cincinnatus S&L Co. rates to other rates in our database, including 12-month CD rates currently at 4.04%, 6-month CD rates at 2.25% and 3-month CD rates at 0.50%. Savings rates are at 0.07% and money market rates are at 0.03%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates can be compared to Cincinnatus S&L Co. rates. 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 1.63%. Rates were last updated on 05/15/2026.

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 Strong 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

1.63%

Excellent Lower than avg

Cincinnatus S&L Co.

3300 Harrison Ave
Cincinnati, OH 45211

https://www.cincinnatussl.com

Cincinnatus S&L Co. Mortgage Rates

Product	Rate	Points	APR
15 Year Fixed Rate	5.50%	-	5.61%
No additional details. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%
30 Year Fixed Rate	6.25%	-	6.33%
No additional details. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.63%

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.
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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 01/01/1885

FDIC Insurance Date 08/09/1989

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

1.63%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8336%

Return on Equity (ROE) 4.5800%

Non-Performing Loans (NPL) 0.22%

Total Assets $184,388,000

Total Deposits $154,691,000

Equity Capital $28,125,000

Net Income $1,820,000

Headquarters Cincinnati

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Cincinnatus S&L Co. earned the Verified Strong 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.