What are the current interest rates at Cincinnati Interagency Federal Credit Union?

Current rates for Cincinnati Interagency Federal Credit Union include: 12-Month CD: 0.10%, 24-Month CD: 0.10%, 60-Month CD: 0.10%, MMA: 0.10%

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Cincinnati Interagency Federal Credit Union

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Cincinnati Interagency Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cincinnati Interagency Federal Credit Union 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: October 12, 2026

Cincinnati Interagency Federal Credit Union's top rates as of October 12, 2026 are 0.10% APY on its 12 Month CDs CD, 0.10% APY on money market accounts, personal loans from 7.49% APR, and credit cards from 13.25% APR, according to rates verified by MonitorBankRates. Other Cincinnati Interagency Federal Credit Union CD rates include 24 Month CDs at 0.10%, 36 Month CDs at 0.10%, and 6 Month CDs at 0.10%. MonitorBankRates evaluates the financial stability of Cincinnati Interagency Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.57%. Rates last updated and verified on 10/12/2026.

Cincinnati Interagency 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 Cincinnati Interagency Federal Credit Union? Share your experience about Cincinnati Interagency Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cincinnati Interagency Federal Credit Union.

Verified Healthy Q2 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

1.57%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cincinnati Interagency Federal Credit Union
Main Office

26 Martin Luther King Dr W
Cincinnati, OH 45220-2242

https://www.cifcu.org

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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.

Cincinnati Interagency Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificates	0.10%	0.10%	12 Months
Min Deposit $500 Details Early withdrawal penalty: 90 days dividends; Effective 02/03/2026, Declared 02/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
24 Month Share Certificates	0.10%	0.10%	24 Months
Min Deposit $500 Details Early withdrawal penalty: 90 days dividends; Effective 02/03/2026, Declared 02/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
36 Month Share Certificates	0.10%	0.10%	36 Months
Min Deposit $500 Details Early withdrawal penalty: 90 days dividends; Effective 02/03/2026, Declared 02/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
6 Month Share Certificates	0.10%	0.10%	6 Months
Min Deposit $500 Details Early withdrawal penalty: 90 days dividends; Effective 02/03/2026, Declared 02/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
60 Month Share Certificates	0.10%	0.10%	60 Months
Min Deposit $500 Details Early withdrawal penalty: 90 days dividends; Effective 02/03/2026, Declared 02/03/2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

Cincinnati Interagency Federal Credit Union Checking Rates

Product	Rate	APY	View More
Money Market Checking	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Limit of 3 withdrawals or transfers per month; Minimum withdrawal or transfer amount of $200.00; Rate may change after account opening; Fees could reduce earnings Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

Cincinnati Interagency Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
GREEN Vehicles Loan	-	-	4.24%	Up to 84 months
Details New vehicles; 110% financing; any vehicle with EPA estimated mileage of 35MPG/City or HYBRID Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
New & Recent Model Year Vehicles Loan	-	-	5.24%	Up to 84 months
Details 2025 & Newer Model Years; up to 110% Price/NADA Retail Value Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Used Vehicles Loan	-	-	5.74%	Up to 84 months
Details 2022 - 2024 Model Years; up to 110% NADA Retail Value Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Used Vehicles Loan	-	-	6.49%	Up to 72 months
Details 2019-2021 Model Years; up to 110% NADA Retail Value Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

Cincinnati Interagency Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa	-	13.25%
Details Variable @ Prime + 6.5% = 13.25% (*1); no annual, cash advance, or transfer fees; 28 day grace period on purchases; payback 2% of balance; late fee $25.00; minimum finance charge $1.00; ScoreCard Rewards Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 13.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

Cincinnati Interagency Federal Credit Union Personal Loan Rates

Product	APR	Term
Medical Loan (Unsecured)	7.49%	Up to 60 months
Details $1000 minimum; proof of expenses required; may be used for pet care and funeral expenses Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Signature Loan	8.49%	Up to 12 months
Details For general purpose loans of $1000 and greater Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Signature Loan	8.99%	Up to 24 months
Details For general purpose loans of $1000 and greater Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Signature Loan	9.99%	For 25 to 60 months
Details For general purpose loans of $1000 and greater; footnote *2 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

Cincinnati Interagency Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	7.49%	Up to 60 months
Details Invoice amount + 10% for incidentals; $1000 min; $30,000 max (unsecured); principal residence only; invoices and/or estimates required; includes appliances Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Line of Credit	-	-	14.50%	Revolving
Details Protects against overdrafts; payment of $2.45 per $100.00 borrowed ($20.00 minimum); share secured option available; required for debit card qualification Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 14.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Share Accounts	0.03%	-	0.03%
Min Deposit $5 Min Balance $50 Details Balance: $50.00 - $499.99; Includes Sub, Holiday, & Vacation Accounts; Rate may change after account opening Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%
Share Accounts	0.03%	-	0.03%
Min Deposit $5 Min Balance $500 Details Balance: $500 and greater; Includes Sub, Holiday, & Vacation Accounts; Rate may change after account opening Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.57%

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

Cincinnati Interagency Federal Credit Union’s Texas Ratio rose from 0.00% in Q3 2023 to 1.57% 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	$31M	1.57%	5.0	A+
March 31, 2026	$31M	1.66%	5.0	A+
December 31, 2025	$31M	1.72%	5.0	A+
September 30, 2025	$31M	1.15%	5.0	A+
June 30, 2025	$32M	0.43%	5.0	A+
March 31, 2025	$33M	0.51%	5.0	A+
December 31, 2024	$33M	0.49%	5.0	A+
September 30, 2024	$33M	0.97%	5.0	A+
June 30, 2024	$33M	1.32%	5.0	A+
March 31, 2024	$34M	1.45%	5.0	A+
December 31, 2023	$34M	0.00%	5.0	A+
September 30, 2023	$35M	0.00%	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 Cincinnati Interagency 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 Cincinnati Interagency 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 Cincinnati Interagency Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cincinnati Interagency Federal Credit Union

Website https://www.cifcu.org

Address 26 Martin Luther King Dr W, Cincinnati, OH 45220-2242

Phone 513-569-7878

Fax 513-569-7836

President John Yacher

CEO Karen Anderson

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.57%

Return on Assets (ROA)

0.9796%

Return on Equity (ROE)

5.3694%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

30,767,588

Total Amount of Shares and Deposits

24,865,152

Total Shares and Deposits < 1 Year

24,757,387

Total Shares and Deposits 1 3 Years

107,764

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

527,735

Total Uninsured Shares and Deposits > $250K (F+J)

527,735

Total Insured Shares and Deposits > $250K (item 17 less item K)

24,337,417

Total Interest Expense (Sum of items 6 8)

3,724

Share Certificates

Number of Accounts for Share Drafts

1,039

Number of Accounts for Regular Shares

2,374

Money Market Shares

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)

2,310,530

Total Liabilities

25,154,510

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Cincinnati Interagency Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Cincinnati Interagency Federal Credit Union

How many branches does Cincinnati Interagency Federal Credit Union operate?

Cincinnati Interagency 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 Cincinnati Interagency Federal Credit Union?

Yes, to access services at Cincinnati Interagency 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, Cincinnati Interagency 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, Cincinnati Interagency Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cincinnati Interagency Federal Credit Union offer online and mobile banking?

Most modern institutions like Cincinnati Interagency 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.cifcu.org.