What are the current interest rates at Cincinnatus Savings and Loan?

Current rates for Cincinnatus Savings and Loan include: 12-Month CD: 0.25%, 18-Month CD: 0.20%, 24-Month CD: 0.35%, 36-Month CD: 0.40%, 48-Month CD: 0.50%, 60-Month CD: 0.65%, Savings: 0.05%

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Cincinnatus Savings and Loan Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cincinnatus Savings and Loan 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 14, 2026

Cincinnatus Savings and Loan's top rates as of October 14, 2026 are 0.65% APY on its 60-Months 60-Month Certificate, 0.05% APY on savings, 0.07% APY on checking, and 6.75% on its 15 Year Fixed Rate mortgage, according to rates verified by MonitorBankRates. Other Cincinnatus Savings and Loan CD rates include 48-Months 48-Month Certificate at 0.50%, 36-Months 36-Month Certificate at 0.40%, and 24-Months 24-Month Certificate at 0.35%. Other Cincinnatus Savings and Loan mortgage rates include 30 Year Fixed Rate at 7.375%, First Mortgage Purchase or Refinance - 30 Year Fixed Rate at 7.375%, and First Mortgage Purchase or Refinance - 15 Year Fixed Rate at 6.75%. MonitorBankRates evaluates the financial stability of Cincinnatus Savings and Loan with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.17%. Rates last updated and verified on 10/14/2026.

Cincinnatus Savings and Loan 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 Cincinnatus Savings and Loan? Share your experience about Cincinnatus Savings and Loan by leaving a review below, or read customer reviews before you decide to use Cincinnatus Savings and Loan.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cincinnatus Savings and Loan

3300 Harrison Ave
Cincinnati, OH 45211

https://www.cincinnatussl.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Cincinnatus Savings and Loan CD Rates

Product	Rate	APY	Term
60 Month Certificate	0.65%	0.65%	60 months
Min Balance $500 Details Penalties may be assessed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
48 Month Certificate	0.50%	0.50%	48 months
Min Balance $500 Details Penalties may be assessed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
36 Month Certificate	0.40%	0.40%	36 months
Min Balance $500 Details Penalties may be assessed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
24 Month Certificate	0.35%	0.35%	24 months
Min Balance $500 Details Penalties may be assessed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
18 Month Certificate	0.30%	0.30%	18 months
Min Balance $500 Details Penalties may be assessed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
12 Month Certificate	0.25%	0.25%	12 months
Min Balance $500 Details Penalties may be assessed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
9 Month Certificate	0.25%	0.25%	9 months
Min Balance $500 Details Penalties may be assessed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
18 Month IRA Certificate	0.20%	0.20%	18 months
Min Balance $250 Details IRA; Rate for November, adjusted monthly based on 182 day CD rate in effect at end of previous month; Deposits may be made without extending maturity, to maximum limit of contributor Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
182 Day Certificate	0.10%	0.10%	182 days
Min Balance $500 Details Penalties may be assessed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
91 Day Certificate	0.05%	0.05%	91 days
Min Balance $500 Details Penalties may be assessed for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

Cincinnatus Savings and Loan Savings Rates

Product	Rate	APY
CHRISTMAS/VACATION CLUBS	0.05%	0.05%
Min Balance $10 Details Clubs begin in October / May Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Statement Savings	0.05%	0.05%
Min Balance $100 Details To avoid $8.00 quarterly fee; Interest rate may change after the account is opened Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

Cincinnatus Savings and Loan Checking Rates

Product	Rate	APY
Simply Supreme Checking	0.07%	0.07%
Min Deposit $1,000 Details Duplicate Only; To avoid $10.00 monthly fee; Interest rate may change after the account is opened Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Simply Senior Checking	0.05%	0.05%
Min Deposit $100 Details No minimum balance requirement; Interest rate may change after the account is opened Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Simply Super Checking	0.05%	0.05%
Min Deposit $300 Details To avoid $8.00 monthly fee; minimum to open and to avoid fee is $300; Interest rate may change after the account is opened Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

Cincinnatus Savings and Loan Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate	6.75%	-	6.75%	15 years
Details First Mortgage Purchase or Refinance; Maximum loan $832,750.00; Rates based on 80% LTV; Rates effective 10/13/2026 Last Updated 10/14/2026 Rate History 4 changes since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 7.01% / low 6.50% Oct 14, 20266.75%▼ from 7.01% Oct 8, 20267.01%▲ from 6.88% Oct 1, 20266.88%▲ from 6.63% Sep 24, 20266.63%▲ from 6.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
30 Year Fixed Rate	7.375%	-	7.466%	30 years
Details First Mortgage Purchase or Refinance; Maximum loan $832,750.00; Rates based on 80% LTV; Rates effective 10/13/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 16, 2026 · 7.09% → 7.47% ▲ 0.38 pts · high 7.47% / low 7.09% Oct 8, 20267.47%▲ from 7.34% Oct 1, 20267.34%▲ from 7.09% Sep 16, 20267.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
First Mortgage Purchase or Refinance - 30 Year Fixed Rate	7.375%	-	7.466%	30 years
Details Maximum Loan: $832,750.00; Rates based on 80% LTV; owner occupied one to four family homes Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 7.47% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
First Mortgage Purchase or Refinance - 15 Year Fixed Rate	6.75%	-	7.884%	15 years
Details Maximum Loan: $832,750.00; Rates based on 80% LTV; owner occupied one to four family homes Last Updated 10/14/2026 Rate History 1 change since Oct 8, 2026 · 7.01% → 7.88% ▲ 0.87 pts · high 7.88% / low 7.01% Oct 14, 20267.88%▲ from 7.01% Oct 8, 20267.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

Cincinnatus Savings and Loan Other Rates

Product	Rate	Points	APY/APR	Term
Affordable Rate Program 15-year Loan	4.00%	-	4.08%	15-year
Details Single family primary residence; purchase or refinance; income restrictions apply: 80% or less of Area Median Income (AMI) Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 4.08% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Affordable Rate Program 30-year Loan	4.50%	-	4.55%	30-year
Details Single family primary residence; purchase or refinance; income restrictions apply: 80% or less of Area Median Income (AMI) Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 4.55% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
Premier Investment	0.10%	-	0.10%
Min Balance $1,000 Details To avoid $10.00 monthly fee; Interest rate may change after the account is opened Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

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

Cincinnatus Savings and Loan’s Texas Ratio stayed near 1.63% in Q3 2023 to 1.17% 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 bank’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	$193M	1.17%	5.0	A+
March 31, 2026	$191M	0.34%	5.0	A+
December 31, 2025	$184M	0.69%	5.0	A+
September 30, 2025	$179M	0.34%	5.0	A+
June 30, 2025	$179M	0.00%	5.0	A+
March 31, 2025	$173M	0.00%	5.0	A+
December 31, 2024	$166M	0.44%	5.0	A+
September 30, 2024	$168M	0.01%	5.0	A+
June 30, 2024	$137M	0.00%	5.0	A+
March 31, 2024	$139M	1.24%	5.0	A+
December 31, 2023	$136M	1.32%	5.0	A+
September 30, 2023	$136M	1.63%	5.0	A+

Source: FDIC 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 Cincinnatus Savings and Loan is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cincinnatus Savings and Loan 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 Cincinnatus Savings and Loan's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Cincinnatus Savings and Loan

Bank Holding Company CINCINNATUS CMTY BCORP MHC

Address 3300 Harrison Ave, Cincinnati, OH 45211 · Hamilton

Website https://www.cincinnatussl.com

FDIC Certificate # 28157

Established 18850101

FDIC Insurance Date 19890809

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9287%

Return on Equity (ROE) 6.2200%

Non-Performing Loans (NPL) 0.17%

Total Assets $193,097,000

Total Deposits $163,026,000

Equity Capital $28,664,000

Net Income $880,000

Headquarters Cincinnati

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Cincinnatus Savings and Loan 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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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Cincinnatus Savings and Loan

How many branches does Cincinnatus Savings and Loan operate?

Cincinnatus Savings and Loan currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cincinnatus Savings and Loan 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, Cincinnatus Savings and Loan provides members with tools to manage their accounts and build a solid financial history.

Does Cincinnatus Savings and Loan offer online and mobile banking?

Most modern institutions like Cincinnatus Savings and Loan 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.cincinnatussl.com.