Cinfed Federal Credit Union
Headquarters
4801 Kennedy Avenue
Cincinnati, OH 45209
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2024 Overview
General Credit Union Information
Cinfed is an NCUA insured institution located in Cincinnati, OH. It was founded in 1975 and has approximately $736.99 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 / Federally Chartered |
| Charter Number # | # 21930 |
| Date Established | 1975 |
| Assets | $736.99 million |
| Loans | $562.07 million |
| Deposits | $611.41 million |
| Capital | $85.85 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 - November 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Kasasa Saver
|
0.50% | $0 | $10,000 |
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|
| Kasasa Saver
|
0.15% | $10,000 | - |
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|
| Super Share
|
0.20% | $25,000 | $49,999 |
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|
| Super Share
|
0.25% | $50,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Smart 30
|
1.50% | $50 | - |
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|
| Certificate
|
0.40% | $500 | - |
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|
| Certificate
|
0.50% | $500 | - |
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|
| Certificate
|
0.70% | $500 | - |
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|
| Certificate
|
0.80% | $500 | - |
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|
| Certificate
|
0.90% | $500 | - |
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|
| Certificate
|
1.00% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Kasasa Cash
|
2.00% | $0 | $10,000 | Learn More |
| Kasasa Cash
|
0.15% | $10,000 | - | Learn More |
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.955% | 6.875% | 0.63 | $2,594 | $2,103 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Cinfed
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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:
Columbus,Ohio
Cinfed Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 93.15 | A | View Lobby Hours | |
| 93.45 | B | View Lobby Hours | |
| 99.56 | C | View Lobby Hours | |
| 99.66 | D | View Lobby Hours | |
| 100.28 | E | View Lobby Hours | |
| 102.72 | F | View Lobby Hours | |
| 103.14 | G | View Lobby Hours | |
| 108.37 | H | View Lobby Hours | |
| 4067.45 | I | View Lobby Hours |
Climate Policy and Initiatives
CINFED is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 1.30% | 5.83 |
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 June 30, 2024, Cinfed had $1,016,287 in non-current loans and $136,378 in owned assets. To cover these potential losses it had $85,853,359 in net worth and $2,553,464 in loans loss reserves. That gives it a Texas Ratio of 1.30%.
Net Worth
| Cinfed | U.S. Average |
|---|---|
| 11.62% | 13.93% |
Cinfed FCU has a net worth of 11.62% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Cinfed
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