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CINCINNATI OHIO POLICE Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
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 and Verified: October 10, 2026

CINCINNATI OHIO POLICE's top rates as of October 10, 2026 are 5.00% APY on its Y-12 CD, 0.15% APY on savings, 2.10% APY on money market accounts, 0.15% APY on checking, 7.12% on its 15-Year Conventional Loan mortgage, personal loans from 10.99% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other CINCINNATI OHIO POLICE CD rates include 1 yr. CD at 3.70%, 18 mo. CD at 3.65%, and 6 mo. CD at 3.65%. Other CINCINNATI OHIO POLICE mortgage rates include 30-Year FHA Loan at 7.25%, Purchase / Refinance - 30-Year VA Loan at 7.25%, and 30-Year Conventional Loan at 7.50%. MonitorBankRates evaluates the financial stability of CINCINNATI OHIO POLICE with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.75%. Rates last updated and verified on 10/10/2026.

CINCINNATI OHIO POLICE 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 OHIO POLICE? Share your experience about CINCINNATI OHIO POLICE by leaving a review below, or read customer reviews before you decide to use CINCINNATI OHIO POLICE.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.75%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
CINCINNATI OHIO POLICE
Cincinnati Ohio Police FCU
959 W 8th St
Cincinnati, OH 45203
http://www.copfcu.com
Member NCUA
Customer Reviews
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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 OHIO POLICE CD Rates

Product Rate APY Term View More
Y-12 Certificate 4.888% 5.00%
Min Balance $250
Details Balance: $250.00 - $1,000.00
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
1 yr. Certificate 3.638% 3.70% 1 years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
18 mo. Certificate 3.59% 3.65% 18 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
6 mo. Certificate 3.59% 3.65% 6 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
9 mo. Certificate 3.59% 3.65% 9 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
2 yr. Certificate 3.541% 3.60% 2 years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
30 mo. Certificate 3.541% 3.60% 30 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
3 yr. Certificate 3.348% 3.40% 3 years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 6, 2026: 3.40% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
4 yr. Certificate 3.348% 3.40% 4 years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 6, 2026: 3.40% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
5 yr. Certificate 3.348% 3.40% 5 years
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 6, 2026: 3.40% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
3 mo. Certificate 3.202% 3.25% 3 months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Y-12 Certificate 0.05% 0.05%
Min Balance $50
Details Balance: $50+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Savings Rates

Product Rate APY View More
Savings Accounts 0.05% 0.05%
Min Balance $50
Details Balance: $50.00 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Business Savings Rates

Product Rate APY View More
Business Savings 0.15% 0.15%
Min Balance $5,000
Details Balance: $5,000.00 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Business Savings 0.05% 0.05%
Min Balance $0
Details Balance: $0 - $4,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Business Savings 0.05% 0.05%
Min Balance $50
Details Balance: $50.00 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Money Market Rates

Product Rate APY View More
Money Market 2.08% 2.10%
Min Balance $100,000
Details Balance: $100,000 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Money Market 2.03% 2.05%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Money Market 1.98% 2.00%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Money Market 1.93% 1.95%
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 6 times
1.45%1.95%2.45%Sep 14, 2026: 1.95% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Money Market 1.88% 1.90%
Min Balance $2,000
Details Balance: $2,000 - $9,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 6 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Checking Rates

Product Rate APY View More
HSA Checking 0.15% 0.15%
Min Balance $10,000
Details Balance: $10,000.00 +
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 6, 2026: 0.15% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Personal Checking 0.15% 0.15%
Min Balance $1,500
Details Balance: $1,500.00+
Last Updated 10/10/2026
Rate History
No change since Sep 22, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 22, 2026: 0.15% APYSep 22, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
HSA Checking 0.10% 0.10%
Min Balance $2,500
Details Balance: $2,500.00 - $9,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 6, 2026: 0.10% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
HSA Checking 0.05% 0.05%
Min Balance $50
Details Balance: $50.00 - $499.99
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
HSA Checking 0.05% 0.05%
Min Balance $500
Details Balance: $500.00 - $2,499.99
Last Updated 10/10/2026
Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Personal Checking 0.05% 0.05%
Details Balance: All funds
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Mortgage Rates

Product Rate Points APR Term View More
15-Year Conventional Loan 7.125% 0 7.368% 15-Year
No additional details.
Last Updated 10/10/2026
Rate History
2 changes since Sep 14, 2026 · 6.61% → 7.37% ▲ 0.75 pts · high 7.37% / low 6.61%
5.86%6.99%8.12%Sep 14, 2026: 6.61% APRSep 18, 2026: 6.99% APROct 2, 2026: 7.37% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20267.37%▲ from 6.99%
  • Sep 18, 20266.99%▲ from 6.61%
  • Sep 14, 20266.61%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
30-Year FHA Loan 7.25% 1.375 7.522% 30-Year
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 2, 2026 · 7.52% APR · checked 3 times
7.02%7.52%8.02%Oct 2, 2026: 7.52% APROct 2, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Purchase / Refinance - 30-Year VA Loan 7.25% 1.500 7.535% 30-Year
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 2, 2026 · 7.54% APR · checked 3 times
7.04%7.54%8.04%Oct 2, 2026: 7.54% APROct 2, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
30-Year Conventional Loan 7.50% 0.250 7.68% 30-Year
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 2, 2026 · 7.68% APR · checked 3 times
7.18%7.68%8.18%Oct 2, 2026: 7.68% APROct 2, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
15-Year FHA Loan 7.25% 1.375 7.687% 15-Year
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 2, 2026 · 7.69% APR · checked 3 times
7.19%7.69%8.19%Oct 2, 2026: 7.69% APROct 2, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Purchase / Refinance - 15-Year VA Loan 7.25% 1.500 7.708% 15-Year
No additional details.
Last Updated 10/10/2026
Rate History
No change since Oct 2, 2026 · 7.71% APR · checked 3 times
7.21%7.71%8.21%Oct 2, 2026: 7.71% APROct 2, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
20-Year Conventional Loan 7.50% 0.250 7.733% 20-Year
No additional details.
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 7.35% → 7.73% ▲ 0.38 pts · high 7.73% / low 7.35%
6.85%7.54%8.23%Sep 18, 2026: 7.35% APROct 2, 2026: 7.73% APRSep 18, 2026Oct 13, 2026
  • Oct 2, 20267.73%▲ from 7.35%
  • Sep 18, 20267.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity HELOC LOANS - - 7.00%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 4 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Auto Loan Rates

Product Rate Points APR Term View More
Used Auto (2019 & Older) - - 5.49% Up to 76 Months
Details APR* to: 16.49%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Used Auto (2019 & Older) - - 5.99% Up to 60 Months
Details APR* to 16.49%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Used Auto (2019 & Older) - - 5.99% Up to 76 Months
Details APR* to 8.49%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.49% APROct 6, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 6, 20265.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Used Auto (2019 & Older) - - 6.24% Up to 48 Months
Details APR Range: 6.24% - 16.49%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 7 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Used Auto (2019 & Older) - - 6.24% Up to 60 Months
Details APR Range: 6.24% - 8.74%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APROct 6, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 6, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Used Auto (2019 & Older) - - 6.49% Up to 84 Months
Details APR* to: 6.74%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicles Loan - 7.99% Up to 60 Months
Details APR to: 17.74%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.49% → 7.99% ▲ 0.50 pts · high 7.99% / low 7.49%
6.99%7.74%8.49%Sep 14, 2026: 7.49% APRSep 27, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20267.99%▲ from 7.49%
  • Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Recreational Vehicles Loan - 8.49% 61-76 Months
Details APR to: 17.74%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 7.99%
7.49%8.24%8.99%Sep 14, 2026: 7.99% APRSep 27, 2026: 8.49% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20268.49%▲ from 7.99%
  • Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Recreational Vehicles Loan - 8.99% 77-120 Months
Details APR to: 10.99%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.49% → 8.99% ▲ 0.50 pts · high 8.99% / low 8.49%
7.99%8.74%9.49%Sep 14, 2026: 8.49% APRSep 27, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20268.99%▲ from 8.49%
  • Sep 14, 20268.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Recreational Vehicles Loan - 9.99% 121-180 Months
Details APR to: 10.49%
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.49% → 9.99% ▲ 0.50 pts · high 9.99% / low 9.49%
8.99%9.74%10.49%Sep 14, 2026: 9.49% APRSep 27, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20269.99%▲ from 9.49%
  • Sep 14, 20269.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Credit Card Rates

Product Rate APR View More
Visa Platinum Rewards - 9.99%
Details Published APR range: 9.99% - 13.99%.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Visa Credit Builder - 14.99%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 14.99% APR · checked 7 times
14.49%14.99%15.49%Sep 14, 2026: 14.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
Visa Student Platinum Rewards - 17.99%
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 17.99% APR · checked 7 times
17.49%17.99%18.49%Sep 14, 2026: 17.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Personal Loan Rates

Product APR Term View More
Personal Loans 10.99% Up to 60 Months
Details APR* to: 17.99%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%

CINCINNATI OHIO POLICE Other Rates

Product Rate Points APY/APR Term View More
HOME LOANS - - 6.25%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.75%
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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Financial Health History

CINCINNATI OHIO POLICE’s Texas Ratio rose from 2.02% in Q3 2023 to 10.75% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.02% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A Q1 2026 10.75% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$188M10.75%5.0A
March 31, 2026$186M7.13%5.0A
December 31, 2025$188M5.48%5.0A+
September 30, 2025$184M5.54%5.0A+
June 30, 2025$172M2.92%5.0A+
March 31, 2025$173M6.11%5.0A
December 31, 2024$168M2.46%5.0A+
September 30, 2024$162M3.03%5.0A+
June 30, 2024$163M2.36%5.0A+
March 31, 2024$163M1.65%5.0A+
December 31, 2023$164M2.12%5.0A+
September 30, 2023$164M2.02%5.0A+
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 OHIO POLICE 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 OHIO POLICE 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 OHIO POLICE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CINCINNATI OHIO POLICE
Website http://www.copfcu.com
Address 959 W 8th St, Cincinnati, OH 45203
Phone 513-381-2677
Fax 513-381-3010
President Mark Brown
CEO Kathy Haas
Full-Time Employees 34
Part-Time Employees 3
Branch Locations 6
ATM Locations 4
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.75%
Return on Assets (ROA)
0.3946%
Return on Equity (ROE)
3.4857%
Non-Performing Loans Ratio (NPL)
2.25%
Total Assets
187,845,189
Total Amount of Shares and Deposits
164,068,080
Total Shares and Deposits < 1 Year
154,538,488
Total Shares and Deposits 1 3 Years
8,424,495
Total Shares and Deposits > 3 Years
1,105,097
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,905,803
Total Uninsured Shares and Deposits > $250K (F+J)
4,905,803
Total Insured Shares and Deposits > $250K (item 17 less item K)
159,162,277
Total Interest Expense (Sum of items 6 8)
1,291,256
Share Certificates
1,344
Number of Accounts for Share Drafts
6,491
IRA KEOGH Accounts
790
Number of Accounts for Regular Shares
13,331
All other shares
1,479
Money Market Shares
1,539
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)
17,493,665
Total Liabilities
166,579,553
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

CINCINNATI OHIO POLICE earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About CINCINNATI OHIO POLICE

How many branches does CINCINNATI OHIO POLICE operate?

CINCINNATI OHIO POLICE 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 OHIO POLICE?

Yes, to access services at CINCINNATI OHIO POLICE, 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 OHIO POLICE 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 OHIO POLICE provides members with tools to manage their accounts and build a solid financial history.

Does CINCINNATI OHIO POLICE offer online and mobile banking?

Most modern institutions like CINCINNATI OHIO POLICE 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: http://www.copfcu.com.

Current CINCINNATI OHIO POLICE Rates

  • Savings0.15%
  • MMA2.10%
Retrieved from our database of financial products. Rates subject to change.

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