Cincinnati, OH 45209

Notable Rates APY Vs.Others
Savings 0.50% 1.90% →
1-Year CD 0.80% 1.90% →
2-Year CD 1.20% 1.95% →
5-Year CD 2.10% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Cinfed is an NCUA insured institution located in Cincinnati, OH. It was founded in 1975 and has approximately $490.31 millions in assets.

Who can join?

Cinfed Credit Union serves anyone who lives, works, worships, attends school in or regularly conducts business in Hamilton, Kenton, Campbell and Boone Counties.

NCUA Insured Yes
Charter Number # # 21930
Date Established 1975
Assets $490.31 million
Loans $380.54 million
Deposits $396.99 million
Capital $54.97 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, attends school in or regularly conduct business in Hamilton, Kenton, Campbell and Boone Counties.

Deposit Rates - April 8, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
CD Rates (Share Certificate Rates) APY MIN MAX
Smart 30
1.50% $50 - Learn MoreShow Less
0.50% $500 - Learn MoreShow Less
0.60% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Kasasa Cash
2.00% $0 $10,000 Learn MoreShow Less
Kasasa Cash
0.15% $10,000 - Learn MoreShow Less

Loan Rates - April 8, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CINFED

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
3.500 %
$0 Learn More
More Info

Note to CINFED
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Below are Cinfed branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Cinfed Locations

Financial Details

Cinfed Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cinfed. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Cinfed U.S. Average
2.96% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Cinfed had $1,455,128 in non-current loans and $277,705 in owned assets. To cover these potential losses it had $54,968,111 in net worth and $3,517,247 in loans loss reserves. That gives it a Texas Ratio of 2.96%.

Net Worth
Cinfed U.S. Average
11.5% 13.86%

Cinfed FCU has a net worth of 11.5% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Cinfed

Branches and Savings

What is Cinfed?

A federal credit union, registered with the NCUA under certificate #21930.
Learn more about credit unions here.

Is Cinfed FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Cinfed?

Please see Field of Membership information above for information on who is eligible to join.

What are Cinfed's share account and share certificate rates?

Cinfed's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Cinfed?

Cinfed has total capital of $54.97 million. Full information on Cinfed's financial position is located above.

Who owns Cinfed?

Credit Unions are owned by their members.

Where are Cinfed branches located?

See branch locations nearby.

Are Cinfed ATMs Open 24/7?

Do Cinfed ATMs accept cash deposits?

Can Cinfed customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Cinfed have a mobile app?

Does Cinfed have mobile deposit?

Does Cinfed have quick pay?

How can Cinfed transfer money to other banks or credit unions?

Does Cinfed report to credit bureaus?

Does Cinfed use Chexsystems?

Does Cinfed use Equifax?

What is Cinfed's toll free phone number?

What is Cinfed's ACH Routing Number?

What is Cinfed's SWIFT code?

Where can I find Cinfed's wire transfer form?

What is the Cinfed address for deposits?

What Products Does Cinfed Offer

Does Cinfed offer mortgages?

Compare mortgage rates here.

Does Cinfed offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cinfed offer auto and RV loans?

Compare auto loan rates here.

Does Cinfed offer student loans or personal loans?

Compare personal loan rates here.

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