100 Reasons It Pays To Be a Cinfed Member

With so many banking options available, you may be asking the question, “Why Cinfed?”

Quite simply, a multitude of benefits make Cinfed membership an advantage for you. In fact, the list below spells out “100 Reasons It Pays To Be A Cinfed Member.”


If you’re a current member, take a look to make sure you’re taking advantage of all the benefits available.

If you’re a potential member, check out these “proof points” and compare them to your current institution.

Why just bank when you can belong?


  1. Cinfed credit cards fit your needs and preferences, offering cash back, rewards, or simply a low rate.
  2. Cinfed’s Fast Lane Auto Loan Pre-Approval reduces the stress of the car buying process because you know ahead of time that your financing is ready to go.
  3. The Cinfed Financial Education Center offers free online calculators to provide payment estimates for car payments, mortgages, and personal loans.
  4. Cinfed Platinum Mastercard comes with MasterRental Insurance so you have automatic coverage if you use it for a rental car. See Benefits Guide.
  5. You can keep more cash in your pocket when you need it with our Skip A Payment offer.
  6. With our Kasasa Checking accounts, the money you earn (whether it’s dividends or cash back) is deposited directly into your account.
  7. Flex Auto Loans from Cinfed give you more options to meet your personal financial needs while getting the car or truck you want.
  8. By registering for My Credit Score in Digital Banking, you can check your credit score for free at any time so you know exactly where you stand.
  9. Cinfed offers cost effective peace of mind with Guaranteed Auto Protection (GAP) for your car loan: if your vehicle is stolen or totaled in an accident, all or part of your remaining loan balance can be waived.
  10. With a Kasasa Checking account, ATM fees are refunded up to $20 per month when you qualify.1  
  11. Using Digital Banking, you can lock and unlock your Mastercard to ensure security.
  12. A friendly, knowledgeable Cinfed Card Services Department, based in Cincinnati, can answer your questions and help find solutions.
  13. Deposit checks without having to visit a branch using the convenient Cinfed Mobile App.
  14. Cinfed Insurance offers free, no obligation quotes which can be requested online or by phone.
  15. Rates on Cinfed Mastercards are typically lower than national averages which means savings on balances and balance transfers.
  16. For small businesses, Cinfed offers card payment services to make customer purchases faster, easier, and less expensive.
  17. Cinfed members enjoy discounts on tax services from TurboTax and H&R Block.
  18. Online Bill Pay can automatically schedule payments — saving you time, effort, and stress from having to do everything each month.
  19. Deposits are insured up to $1.25 million — a million more than traditional banks. (Federally insured by NCUA; additional $1 million coverage through ESI.)
  20. The Smart30 certificate provides an easy and convenient way to get into the savings habit.
  21. Notary service is available at many branch locations.
  22. The Cinfed Financial Education Center is an online resource with free information about important financial topics.
  23. Cinfed World Mastercard offers 1.5% back on every purchase you use it for. In 2022, that put more than $107,000 back in members’ pockets!
  24. Coin counting machines are available at several branches, offering a convenient service for members to bring in their coins for deposit.
  25. Our Kasasa Cash checking account offers 3.00% APY1 on balances.
  26. First Time Home Buyers will be guided by the Cinfed Mortgage Team through multiple options available via federal Freddie Mac programs.
  27. Kasasa Cash is a FREE checking account that pays you dividends when you qualify1 — a combination not available at most financial institutions.
  28. The Cinfed World Mastercard offers the Mastercard Cellular Protection Plan for free — so your phone is replaced at no cost if it’s lost or damaged.
  29. Mastercard is accepted for payment nearly everywhere in the world, meaning purchases will be quick and convenient wherever you are.
  30. The Kasasa Saver offers higher dividends3 with the flexibility to withdraw when you need to.
  31. It’s easy to put your Cinfed Mastercard in your Digital Wallet so you can enjoy the benefits of your card from the convenience of your phone. 
  32. Early Pay2 allows you to access your paycheck up to 48 hours earlier with direct deposit.
  33. Zoom Rewards Checking offers exclusive benefits for members ages 14-22.4
  34. Cinfed’s lending professionals will work with you to find the right loan to meet your situation (beyond credit scores) so you can get the car or truck you want.
  35. Essentials Mastercard simply offers a great low rate with exclusive benefits so members can enjoy savings and convenience. See Benefits Guide.
  36. Zoom Rewards checking is free with no minimum balances required.
  37. Cinfed Insurance can reduce your costs and save hundreds of dollars a year.
  38. Debit overdraft protection allows you to temporarily cover your costs, even if the money is not yet in your account — very helpful in emergency situations. (Overdrafts paid at Cinfed's discretion; does not guarantee authorization or payment on any transaction.)
  39. Since we’re local, your money stays here in the community — with the people and places you care about most.
  40. Cinfed offers great mortgage rates in the extremely competitive Tristate market.
  41. Our Kasasa Cash Back checking account gives you cash back every month when you qualify1.
  42. Cinfed is a cooperative, so money goes back into the organization to help all members, instead of individual owners or shareholders.
  43. We make lending decisions locally — not from some office hundreds of miles away — that keep the local community in mind.  
  44. Cinfed members can access their accounts through a network of 55,000 ATMs around the world.
  45. Cinfed has seven branch locations across the tristate for your convenience.
  46. Our branches are staffed with financial coaches and committed employees who provide customized plans and personal service.
  47. Cinfed has ITMs (interactive teller machines) for in-person assistance: connect via video with a teller to ask questions and get your transaction completed.
  48. A fully staffed Cincinnati-based Contact Center handles member requests by phone.
  49. We service our own mortgage loans so your payment will always come here.
  50. With a Kasasa Checking account you can also get a Kasasa Saver which earns 2.25% APY3 when you qualify.1  
  51. Cinfed’s Kids Club accounts help teach kids how to manage money responsibly.
  52. With Cinfed Investment Services, you can have the convenience of meeting with your investment professional at your nearest branch.
  53. You can conveniently check your account balances anywhere, anytime with the Cinfed Mobile App.
  54. Cinfed offers low auto loan rates in a highly competitive market.
  55. Cardholders can transfer balances from other, higher rate credit cards with no fees.
  56. You can use the Cinfed Mobile App to make transfers and manage your money anywhere, anytime.
  57. Members of the Kids Club get a special bonus added to their accounts in honor of their birthday each year.
  58. With Cinfed Digital Banking, you can make transfers and manage your money at your convenience.
  59. No account maintenance fees with a Kasasa Checking account.
  60. You can customize your account in Digital Banking, making it easier and faster to navigate according to your preferences.
  61. You can keep tabs on your account by signing up for alerts whenever there’s activity on your account.
  62. For savings certificates, Cinfed offers competitive rates which put more money in your pocket. 
  63. When you register for My Credit Score for free in Digital Banking, you receive customized offers with additional discounts on financial services to save you even more.
  64. Cinfed is a cooperative, so you’re an owner — you have a stake in our success.
  65. When you register for My Credit Score for free in Digital Banking, you have access to helpful tools for tracking and managing your credit score.
  66. With your Mortgage loan, Cinfed works on your behalf to ensure the costs are as low as possible: no mark-up and no additional fees.
  67. With Cinfed Digital Banking, you have the convenience of checking your account balances from your home computer or tablet any time.
  68. Smart30 certificates offer a great rate with a minimum deposit of just $50.
  69. Your mortgage application process is faster and more efficient with the digital convenience of Cinfed Safe Connect.
  70. You have access to a ‘one-stop shop’ that can take care of all your financial needs — and you can track them all online in the same place.
  71. Cinfed provides personal service throughout the mortgage process with an originator who will work with you to develop a customized plan.
  72. Cinfed Mortgages can provide a Home Equity Line of Credit (HELOC) that puts the value in your home to work for you.
  73. Members can securely send questions & requests through the Message Center in Digital Banking.
  74. In addition to personal attention from a Cinfed mortgage originator, First Time Home Buyers can get their questions answered online, 24/7 via the Cinfed Financial Education Center or Homebuyer U.
  75. Zoom Rewards checking offers cash back for your first eight transactions each month, up to $4.00.4
  76. Setting up a free HSA (Health Savings Accounts) helps you manage your medical expenses.
  77. A Kasasa Checking account does not require a minimum balance.
  78. Cinfed Safe Connect allows you to manage your mortgage documents online, so you can easily update and add to your file as needed.
  79. You get a free debit card when you open your checking account.
  80. Smart30 certificates allow you to contribute as you go, so you can increase your total savings while receiving the same great rate.
  81. Cinfed’s Kids Club newsletter provides games with savings lessons so children learn to be smart with their finances.
  82. Flex Auto Loans from Cinfed can give you a lower monthly payment than conventional auto loans.
  83. Cinfed members are automatically notified through Digital Banking when they’re pre-approved for a car loan, credit card, or personal loan.
  84. Cinfed’s Fast Lane Auto Loan Pre-Approval puts a blank check in your hand before you even step onto a car dealer’s lot.
  85. Designed specifically for teens, My Money by Cinfed is a free online resource to teach important financial issues.
  86. Cinfed Insurance compares quotes from multiple providers to determine the coverage that’s best for you.
  87. Cinfed’s Fast Lane Auto Loan Pre-Approval makes the auto purchase process fast and efficient for you, saving you time and hassle at the dealership.
  88. Cinfed offers cost effective peace of mind with your auto loan with Mechanical Breakdown Protection: nationwide coverage with 24-hour roadside assistance and protection from unexpected repair costs.
  89. Cinfed’s Trusted Contact form offers another easy, convenient way to protect your account. 
  90. Cinfed offers cost effective peace of mind with your auto loan with Depreciation Protection, helping protect your investment in your vehicle as a counterpart to GAP insurance.
  91. Cinfed’s Commercial Lending department helps local businesses and communities by funding renovations and construction that create jobs and provide housing for families.
  92. Cinfed certificate terms range from 3 to 60 months to accommodate your financial needs and situation.
  93. Smart30 certificates allow you to make a one-time penalty-free withdrawal, providing you with flexibility in case you need it.
  94. Great Occasion accounts help you save for something special — a wedding, a big vacation, or something on your “bucket list”!
  95. For your small business, Cinfed Mastercard BusinessCard gives you purchasing power plus the ability to easily track all your expenses.
  96. Cover your expenses with a Holiday Loan: relax & enjoy the season knowing how you'll pay for gifts, travel, and special occasions.
  97. Set up automatic transfers so a portion of your deposit will go directly into your savings account — it makes savings easy while continually increasing your balance.
  98. The Cinfed Platinum Mastercard offers rewards points with every purchase that can be redeemed for gift cards, travel, or merchandise. (Certain terms, conditions and exclusions apply.)
  99. An HSA (Health Savings Account) debit card allows you to pay medical expenses quickly and conveniently.
  100. Actually, we have 134 more reasons: every Cinfed employee, dedicated to helping you succeed!


1 APY = Annual Percentage Yield. APYs accurate as of 8/1/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Monthly receipt of electronic statements, log into online banking, and twelve (12) debit card transactions are conditions of this account. For Kasasa Cash account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive APY of 3.00%; and balances over $20,000 earn 0.50% dividend rate on the portion of balance over $20,000, resulting in a range from 3.00% to 0.92% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. The Kasasa Saver APY may be less than Kasasa Cash APY. If qualifications are met in your Kasasa Cash or Kasasa Cash Back account during the Monthly Qualification Cycle, the balance in the Kasasa Saver earns 2.25% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one (1) Kasasa checking and Saver per social security number. View schedule of fees. 

2 Early Pay requires: 1) a checking or savings account with Cinfed Credit Union; 2) a recurring qualifying direct deposit; and 3) a valid email address. Early Pay is automatic and has no fee requirements. Participation is subject to approval and may take up to 60 days to identify deposits that qualify. Some direct deposit types not eligible; not all employers send deposits early; deposit timing depends on employers and is not controlled by Cinfed. Early Pay service not guaranteed in case of unanticipated circumstances.

3 If qualifications are met in your Kasasa Cash or Kasasa Cash Back account during the Monthly Qualification Cycle, the balance in the Kasasa Saver earns 2.25% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one (1) Kasasa checking and Saver per social security number. View schedule of fees.

4 You will receive $0.50 cash back on each everyday debit card transaction, up to an aggregate amount of $4.00 per monthly statement cycle, that posts and settles to your account during the monthly statement cycle. The cash back rewards will be credited to your account on the last day of the statement cycle. Only debit card transactions processed by merchants and received by us as point-of-sale (POS) transactions will qualify to earn cash back. Debit card transactions processed by merchants and received by us as ATM transactions do not count as POS transactions. Statement Cycle means the period of time for which Cinfed provides a summary of the financial activities and transactions that post and settle to your account. Limit one Zoom Rewards checking per social security number. Account owner must be between the ages of 14 and 22. Members under 18 years of age are required to have a parent/guardian sign as a joint owner. Rates and rewards are variable and, at our discretion, may change after account is opened without notice to you. View schedule of fees.