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iAdvertiser Disclosure
Advertiser Disclosure
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 Cardinal Credit Union Inc Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: April 13, 2026
Cardinal Credit Union Inc's 7-Month CD Special rates are at 4.50%, 4 Month-Promotional CD rates are at 3.95%, 12 Month CD rates are at 3.80%, 6 Month CD rates are at 3.70%, 18 Month CD rates are at 2.50%. Cardinal Credit Union Inc's savings rates are at 0.05%. Cardinal Credit Union Inc's 15 Year First Mortgage rates are at 5.60%, 10 Year First Mortgage rates are at 5.50%, 20 Year First Mortgage rates are at 5.75%, 30 Year First Mortgage rates are at 6.00%. 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 7.29%. Rates were last updated on 04/13/2026. 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. 
Cardinal Credit Union Inc CD Rates
Cardinal Credit Union Inc Savings Rates
Cardinal Credit Union Inc Money Market Rates
Cardinal Credit Union Inc Checking Rates
Cardinal Credit Union Inc Mortgage Rates
Cardinal Credit Union Inc Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.29%
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
81
Non Member Deposits
14
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
Frequently Asked Questions About Cardinal Credit Union IncIs Cardinal Credit Union Inc a safe place to deposit money?Yes, Cardinal Credit Union Inc is considered a safe financial institution. With a Texas Ratio of 7.2851598678811%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Cardinal Credit Union Inc Rates
Retrieved from our database of financial products. Rates subject to change.
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