|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cinfed Federal Credit Union Rates & Review October 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 and Verified: October 29, 2026
Cinfed Federal Credit Union's 45 Month 450 CD rates are at 4.50%, 18 Month Legacy CD rates are at 4.20%, 30 Month Smart30 CD rates are at 4.20%, Standard CD - 60 month rates are at 4.20%, Standard CD - 48 month rates are at 4.15%. Cinfed Federal Credit Union's savings rates are at 0.05%. Cinfed Federal Credit Union's checking rates are as high as 6.00%. Cinfed Federal Credit Union's Conventional Mortgage - 15 year rates are at 6.75%, Conventional Mortgage - 10 year rates are at 6.75%, Adjustable Mortgage - 5 Year ARM rates are at 6.50%, Conventional Mortgage - 30 year rates are at 7.38%, Conventional Mortgage - 20 year rates are at 7.38%. Cinfed Federal Credit Union's Personal Loan Rates are as low as 11.49%. Cinfed Federal Credit Union's Credit Card Rates are at 10.65%. MonitorBankRates evaluates the financial stability of Cinfed Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.00%. Rates last updated and verified on 10/29/2026. Cinfed Federal 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 Cinfed Federal Credit Union? Share your experience about Cinfed Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cinfed Federal Credit Union. Cinfed Federal Credit Union
OAKLEY CORPORATE HEADQUARTERS 4801 Kennedy Avenue
https://www.cinfed.org Cincinnati, OH 45209  Customer Reviews
Be the first to review
Write a Review
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. Cinfed Federal Credit Union CD Rates
Cinfed Federal Credit Union Savings Rates
Cinfed Federal Credit Union Checking Rates
Cinfed Federal Credit Union Mortgage Rates
Cinfed Federal Credit Union Home Equity & HELOC
Cinfed Federal Credit Union Auto Loan Rates
Cinfed Federal Credit Union Credit Card Rates
Cinfed Federal Credit Union Personal Loan Rates
Cinfed Federal Credit Union Other Rates
Financial Health HistoryCinfed Federal Credit Union’s Texas Ratio stayed near 2.42% in Q3 2023 to 2.00% 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 credit union’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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cinfed Federal 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 Cinfed Federal 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 Cinfed Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cinfed Federal Credit Union
Website
https://www.cinfed.org
Address
4801 Kennedy Avenue,
Cincinnati, OH 45209
Phone
513-333-4210
Fax
President
Gerald Meyer
CEO
Jay Sigler
Full-Time Employees
147
Part-Time Employees
1
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.00%
Return on Assets (ROA)
0.4179%
Return on Equity (ROE)
3.6157%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
863,232,356
Total Amount of Shares and Deposits
723,562,016
Total Shares and Deposits < 1 Year
589,670,970
Total Shares and Deposits 1 3 Years
106,653,911
Total Shares and Deposits > 3 Years
27,237,134
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,078,943
Total Uninsured Shares and Deposits > $250K (F+J)
3,078,943
Total Insured Shares and Deposits > $250K (item 17 less item K)
720,483,073
Total Interest Expense (Sum of items 6 8)
8,323,580
Share Certificates
12,178
Number of Accounts for Share Drafts
26,185
IRA KEOGH Accounts
2,807
Number of Accounts for Regular Shares
53,529
All other shares
4,467
Non Member Deposits
5
Money Market Shares
4,024
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)
58,294,954
Total Liabilities
767,741,143
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Cinfed Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Cinfed Federal Credit Union
Frequently Asked Questions About Cinfed Federal Credit UnionDoes Cinfed Federal Credit Union offer CDs?Yes. Cinfed Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 29, 2026 include 4.50% APY on its 45 Month 450 CD, 4.20% APY on its 18 Month Legacy CD and 4.20% APY on its 30 Month Smart30 CD. Are CDs from Cinfed Federal Credit Union NCUA insured?Yes. Cinfed Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Cinfed Federal Credit Union?The highest CD rate MonitorBankRates has verified for Cinfed Federal Credit Union is 4.50% APY on its 45 Month 450 CD, as of October 29, 2026. What CD terms does Cinfed Federal Credit Union offer?The Cinfed Federal Credit Union CD terms MonitorBankRates tracks include 12 month, 18 month, 2 year, 30 month, 45 month, 4 year and 5 year terms, with rates from 4.15% to 4.50% APY. The institution may offer other terms or specials that are not listed here, so check with Cinfed Federal Credit Union for its full lineup. What is the highest savings rate at Cinfed Federal Credit Union?The highest savings rate MonitorBankRates has verified for Cinfed Federal Credit Union is 0.05% APY on its Health Savings Main Share, as of October 29, 2026. What is the lowest mortgage rate at Cinfed Federal Credit Union?The lowest mortgage rate MonitorBankRates has verified for Cinfed Federal Credit Union is 6.50% rate on its Adjustable Mortgage - 5 Year ARM, as of October 29, 2026. What is the lowest auto loan rate at Cinfed Federal Credit Union?The lowest auto loan rate MonitorBankRates has verified for Cinfed Federal Credit Union is 6.99% APR on its Flex Auto Loan - Used, as of October 29, 2026. What is the lowest personal loan rate at Cinfed Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for Cinfed Federal Credit Union is 11.49% APR on its Signature Loan, as of October 29, 2026. What is the lowest credit card APR at Cinfed Federal Credit Union?The lowest credit card rate MonitorBankRates has verified for Cinfed Federal Credit Union is 10.65% APR on its Cinfed Essentials Mastercard Credit Card, as of October 29, 2026. How many branches does Cinfed Federal Credit Union operate?Cinfed Federal 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 Cinfed Federal Credit Union?Yes, to access services at Cinfed Federal 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, Cinfed Federal 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, Cinfed Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cinfed Federal Credit Union offer online and mobile banking?Most modern institutions like Cinfed Federal 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.cinfed.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Cinfed Federal Credit Union rates compare?Cinfed Federal Credit Union's top rates are 4.50% APY on its 45 Month 450 CD, 0.05% APY on its Health Savings Main Share, 6.00% APY on its Summit Checking, 6.50% on its Adjustable Mortgage - 5 Year ARM, 11.49% APR on its Signature Loan and 10.65% APR on its Cinfed Essentials Mastercard Credit Card, verified by MonitorBankRates on October 29, 2026. Current Cinfed Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Wasatch Peaks Federal Credit Union
BMH Federal Credit Union
MountainCrest Credit Union
Christian Financial Credit Union
Fairmont School Employees Federal Credit Union
Encompass Niagara Federal Credit Union
Azura Credit Union
Spirit of America Federal Credit Union
The Police Credit Union
Southern Security Federal Credit Union
Millard County Credit Union
East End Baptist Tabernacle Federal Credit Union
Members First Credit Union of Florida
Morning Star Federal Credit Union
Hartford Firefighters Federal Credit Union
ASA Federal Credit Union
Northeast Regional Credit Union
Community Choice Credit Union
The Catholic Credit Union
USC Credit Union
Container Mutual Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
