Cinfed Equity Access Line of Credit Interest Rates

Cinfed's Home Equity Line of Credit (HELOC) continues to get rave reviews from members who have taken advantage of the equity accumulated in their home to satisfy a variety of financing needs, and in most cases the interest was 100% tax deductible. (Consult your tax advisor.) Cinfed bases quarterly adjustments of HELOC rates on the Prime Rate. 
  • Borrow up to 85% of the equity in your home!
  • Same low rate no matter how small or large your balance!
  • Easy access to funds with free Equity Access checks!
  • No Closing Costs!
HELOC As low as 5.25% APR*
NOTE: Rates can adjust quarterly.
No points or fees if you have your 1st mortgage with Cinfed. $35 annual fee if you do not have 1st mortgage with us; 10 year draw period; Up to 10 year repayment period; $5,000 minimum loan amount.
* APR (Annual Percentage Rate) based upon 80% maximum LTV (Loan-to-Value); Rates higher for financing up to 85% LTV.
  LTV - Total amount owed on home divided by the appraised value of home.
Appraised value of home = $100,000
Total amount borrowed (includes 1st & 2nd Mortgage) = $80,000
Total amount borrowed (includes 1st & 2nd Mortgage) = 80% LTV

Rates accurate as of Monday, Jan 21, 2019


Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


We've only been members for a little over a month and already feel the difference. I don't want to name names, but let's just say Cinfed is WAY better than our previous institution that rhymes with... 
— Jeff, Dawn, & Jordan, members since 2013
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
Recently I tried to locate the Oakley office using google maps. The google directions did not get me close to Cinfed. I called the office and Liz remained on the phone until I reached the... 
— Debbie G
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin

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