What are the current interest rates at Greater Cincinnati School Credit Union?

Current rates for Greater Cincinnati School Credit Union include: 12-Month CD: 3.30%, 24-Month CD: 3.25%, 60-Month CD: 3.20%, Savings: 0.15%, MMA: 1.66%

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Greater Cincinnati School Credit Union

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Greater Cincinnati School Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greater Cincinnati School 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: April 19, 2026

Greater Cincinnati School Credit Union's Diamond Club CDs 1 Year rates are at 3.82%, Diamond Club CDs 2 Years rates are at 3.76%, Diamond Club CDs 3 Years rates are at 3.71%, Diamond Club CDs 5 Years rates are at 3.71%, Diamond Club CDs 6 Years rates are at 3.71%. Greater Cincinnati School Credit Union's savings rates are at 0.15%. Greater Cincinnati School Credit Union's money market rates are at 1.66%. Greater Cincinnati School Credit Union's Personal Loan Rates are at 7.50%. MonitorBankRates evaluates the financial stability of Greater Cincinnati School Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.80%. Rates were last updated on 04/19/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.80%

Excellent Lower than avg

Greater Cincinnati School Credit Union
Silverton

7221 Montgomery Rd
Cincinnati, OH 45236

https://www.gccu.org

Greater Cincinnati School Credit Union CD Rates

Product	Rate	APY	Term
Diamond Club Certificates 1 Year	3.75%	3.82%	1 Year
Min Deposit $300 Details Minimum Deposit $300. Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Diamond Club Certificates 2 Years	3.70%	3.76%	2 Years
Min Deposit $300 Details Minimum Deposit $300. Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Diamond Club Certificates 3 Years	3.65%	3.71%	3 Years
Min Deposit $300 Details Minimum Deposit $300. Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Diamond Club Certificates 5 Years	3.65%	3.71%	5 Years
Min Deposit $300 Details Minimum Deposit $300. Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Diamond Club Certificates 6 Years	3.65%	3.71%	6 Years
Min Deposit $300 Details Minimum Deposit $300. Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
JUMBO SHARE CERTIFICATES 6 month	3.60%	3.66%	6 Months
Min Deposit $100,000 Details Dividends Paid Monthly. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular Share Certificates 1 Year	3.25%	3.30%	1 Year (12 mos.)
Min Balance $300 Details Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular Share Certificates 6 month	3.25%	3.30%	6 Months
Min Balance $300 Details Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
ONE UP SHARE CERTIFICATES 30 month	3.20%	3.25%	30 Months
Min Deposit $1,000 Details Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular Share Certificates 2 Years	3.20%	3.25%	2 Years (24 mos.)
Min Balance $300 Details Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular Share Certificates 30 month	3.20%	3.25%	30 Months
Min Balance $300 Details Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
ONE UP SHARE CERTIFICATES 4 Years	3.15%	3.20%	4 Years
Min Deposit $1,000 Details Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
ONE UP SHARE CERTIFICATES 6 Years	3.15%	3.20%	6 Years
Min Deposit $1,000 Details Provides members with a one time option to raise the dividend rate for the remainder of the term of the certificate. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular Share Certificates 3 Years	3.15%	3.20%	3 Years (36 mos.)
Min Balance $300 Details Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular Share Certificates 4 Years	3.15%	3.20%	4 Years (48 mos.)
Min Balance $300 Details Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular Share Certificates 5 Years	3.15%	3.20%	5 Years (60 mos.)
Min Balance $300 Details Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular Share Certificates 6 Years	3.15%	3.20%	6 Years (72 mos.)
Min Balance $300 Details Dividends Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Greater Cincinnati School Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.50%	0.50%
Min Balance $10 Details minimum term 1 year Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Vacation Club	0.50%	0.50%
Min Balance $10 Details minimum term 1 year Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
HEALTH SAVINGS ACCOUNT	0.15%	0.15%
Details Dividend Paid Monthly Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Greater Cincinnati School Credit Union Money Market Rates

Product	Rate	APY
Money Market Account Tier 4	2.15%	2.17%
Min Balance $75,000 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Money Market Account Tier 3	2.00%	2.02%
Min Balance $50,000 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Money Market Account Tier 2	1.75%	1.76%
Min Balance $25,000 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Money Market Account Tier 1	1.65%	1.66%
Min Balance $2,500 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Greater Cincinnati School Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1ST MORTGAGES A+	-	-	4.75%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES A	-	-	4.85%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES B	-	-	4.95%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES A+	-	-	5.00%	15
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES A	-	-	5.10%	15
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES B	-	-	5.20%	15
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES A+	-	-	5.50%	30
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
30-yr 1ST MORTGAGE	-	-	5.50%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES A	-	-	5.60%	30
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES B	-	-	5.70%	30
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES C	-	-	5.70%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES C	-	-	5.95%	15
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES C	-	-	6.45%	30
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES D, E	-	-	7.00%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES D, E	-	-	7.25%	15
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1ST MORTGAGES D, E	-	-	7.75%	30
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock. Minimum loan $10,000; No annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Greater Cincinnati School Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Loan A+	-	-	6.00%	7
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan A	-	-	6.10%	7
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan B	-	-	6.20%	7
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan C	-	-	6.45%	7
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan A+	-	-	6.50%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan A	-	-	6.60%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan B	-	-	6.70%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan D, E	-	-	6.75%	7
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan C	-	-	6.95%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan A+	-	-	7.00%	12
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan A	-	-	7.10%	12
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan B	-	-	7.20%	12
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan D, E	-	-	7.25%	10
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan C	-	-	7.45%	12
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Credit Line A	-	-	7.75%
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Credit Line B	-	-	7.75%
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Credit Line C	-	-	7.75%
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Credit Line D, E	-	-	7.75%
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Fixed Rate Loan D, E	-	-	7.75%	12
Details For Owner Occupied, Single Family Homes; $400 Non-Refundable application fee required; 31 day rate lock; minimum loan or line of credit $5,000; no annual fees. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Greater Cincinnati School Credit Union Credit Card Rates

Product	Rate	APR
Diamond VISA CREDIT CARD A	-	9.90%
Details Maximum Limits: $20,000 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
VISA Credit Card	-	9.90%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Diamond VISA CREDIT CARD B	-	11.90%
Details Maximum Limits: $17,500 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular VISA CREDIT CARD A	-	11.90%
Details Maximum Limits: $20,000 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Diamond VISA CREDIT CARD C	-	13.90%
Details Maximum Limits: $12,000 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular VISA CREDIT CARD B	-	13.90%
Details Maximum Limits: $17,500 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Regular VISA CREDIT CARD C	-	15.90%
Details Maximum Limits: $12,000 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Greater Cincinnati School Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	7.50%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN A+	-	7.50%
Details Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN A	-	7.65%
Details Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN B	-	7.80%
Details Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN A+	-	8.50%
Details Minimum Loan Amount $500; Terms up to 18 Mos. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN A	-	8.65%
Details Minimum Loan Amount $500; Terms up to 18 Mos. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN B	-	8.80%
Details Minimum Loan Amount $500; Terms up to 18 Mos. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan A+	-	8.90%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN C	-	9.00%
Details Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan A+	-	9.50%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan A	-	9.65%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan A	-	9.90%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN C	-	10.00%
Details Minimum Loan Amount $500; Terms up to 18 Mos. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan B	-	10.15%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN D	-	10.25%
Details Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan A+	-	10.50%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan A	-	10.65%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan A+	-	10.90%
Details Regular Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan B	-	10.90%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN E	-	10.95%
Details Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan B	-	11.15%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan C	-	11.15%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN D	-	11.25%
Details Minimum Loan Amount $500; Terms up to 18 Mos. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN Second Chance	-	11.75%
Details Minimum Loan Amount $500; Terms up to 18 Mos.; Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan D	-	11.85%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan A	-	11.90%
Details Regular Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN E	-	11.95%
Details Minimum Loan Amount $500; Terms up to 18 Mos. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan C	-	12.15%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
SHORT TERM PERSONAL LOAN Second Chance	-	12.75%
Details Minimum Loan Amount $500; Terms up to 18 Mos. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan D	-	12.85%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan E	-	12.85%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan B	-	12.90%
Details Regular Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan C	-	12.90%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement & Personal Loan E	-	13.85%
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan C	-	14.90%
Details Regular Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan D	-	14.90%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan E	-	15.90%
Details Diamond Club* Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan D	-	16.90%
Details Regular Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit Loan E	-	17.90%
Details Regular Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

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 Greater Cincinnati School 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 Greater Cincinnati School 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 Greater Cincinnati School Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Greater Cincinnati School Credit Union

Website https://www.gccu.org

Address 7221 Montgomery Rd, Cincinnati, OH 45236

Phone 513-559-1234

Fax 513-793-0138

President Harriet Russell

CEO Phil Kiley

Full-Time Employees 26

Part-Time Employees 3

Branch Locations 4

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+ (98/100)

Texas Ratio

3.80%

Return on Assets (ROA)

1.4913%

Return on Equity (ROE)

11.6086%

Non-Performing Loans Ratio (NPL)

0.96%

Total Assets

133,667,445

Total Amount of Shares and Deposits

115,949,092

Total Shares and Deposits < 1 Year

109,511,427

Total Shares and Deposits 1 3 Years

2,668,396

Total Shares and Deposits > 3 Years

3,769,270

Total Interest Expense (Sum of items 6 8)

748,514

Share Certificates

628

Number of Accounts for Share Drafts

3,738

IRA KEOGH Accounts

402

Number of Accounts for Regular Shares

9,805

All other shares

3,192

Money Market Shares

380

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

1,541,729

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

40,381,045

Total Liabilities

116,560,145

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Greater Cincinnati School Credit Union

Is Greater Cincinnati School Credit Union a safe place to deposit money?

Yes, Greater Cincinnati School Credit Union is considered a safe financial institution. With a Texas Ratio of 3.8037044336077%, 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 Greater Cincinnati School Credit Union operate?

Greater Cincinnati School 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 Greater Cincinnati School Credit Union?

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

Does Greater Cincinnati School Credit Union offer online and mobile banking?

Most modern institutions like Greater Cincinnati School 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.gccu.org.