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Cardinal Credit Union Inc

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Cardinal Credit Union Inc Rates & Review June 2026

Q: Is a member application needed to join Cardinal Credit Union Inc?

Yes, to access services at Cardinal Credit Union Inc, 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cardinal Credit Union Inc 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: June 16, 2026

You can compare Cardinal Credit Union Inc rates to other rates in our database, including 12-month share certificate rates currently at 2.78%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 2.75%. Savings rates are at 0.05% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates can be compared to Cardinal Credit Union Inc rates. MonitorBankRates evaluates the financial stability of Cardinal Credit Union Inc with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.74%. Rates were last updated on 06/16/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.74%

Excellent Higher than avg

Cardinal Credit Union Inc
Main Office

8500 Westport Dr
Mentor, OH 44060

https://www.cardinalcu.com

Current Rate Availability

We do not have Cardinal Credit Union Inc rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Cardinal Credit Union Inc 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 Cardinal Credit Union Inc 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 Cardinal Credit Union Inc's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cardinal Credit Union Inc

Website https://www.cardinalcu.com

Address 8500 Westport Dr, Mentor, OH 44060

Phone 440-266-2200

Fax 440-266-2299

President Sandy Hamo

CEO Christine Blake

Full-Time Employees 72

Part-Time Employees 8

Branch Locations 14

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.74%

Return on Assets (ROA)

0.0880%

Return on Equity (ROE)

0.8229%

Non-Performing Loans Ratio (NPL)

1.05%

Total Assets

335,813,203

Total Amount of Shares and Deposits

295,635,945

Total Shares and Deposits < 1 Year

293,381,273

Total Shares and Deposits 1 3 Years

2,071,866

Total Shares and Deposits > 3 Years

182,806

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

8,235,839

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

8,235,839

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

287,400,106

Total Interest Expense (Sum of items 6 8)

3,606,458

Share Certificates

3,416

Number of Accounts for Share Drafts

12,660

IRA KEOGH Accounts

526

Number of Accounts for Regular Shares

25,124

All other shares

Non Member Deposits

Money Market Shares

899

Net Income (unless the amount is already included in Undivided Earnings)

295,549

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

30,564,458

Total Liabilities

301,774,182

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Cardinal Credit Union Inc earned the Verified Healthy badge

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

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Cardinal Credit Union Inc

How many branches does Cardinal Credit Union Inc operate?

Cardinal Credit Union Inc 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 Cardinal Credit Union Inc?

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

Does Cardinal Credit Union Inc offer online and mobile banking?

Most modern institutions like Cardinal Credit Union Inc 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.cardinalcu.com.