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Cinfed General Loan Interest Rates

General Loan Interest Rates

Cinfed is committed to helping members meet their families' financial needs. After you have shopped around, come to Cinfed and compare. We are here to serve you. All rates are subject to change without notice.

LOAN TYPE Maximum Term (Months) Rate (APR)1

Emergency Assistance
(Covid-19) Loans

12 As low as 3.99%
Signature2 60 As low as 8.99%
K-12 Tuition Loan3 12 As low as 4.99%
180 Day Note4 180 Days As low as 8.99%
Ready Cash Account5 N/A As low as 8.99%
Vehicle6 84 As low as 2.24%
Motorcycles7 96 As low as 4.99%
Boats7 96 As low as 4.99%
Recreational Vehicle7 96 As low as 4.99%
Share Secured 60 2.00% over current share APY**
Certificate Secured Remaining Certificate Term 2.00% over current Certificate APY**

Credit Card Rates from Cinfed8

Rate (APR)1
Mastercard Platinum 8.90% - 15.90%
Mastercard World 11.74% - 18%
Mastercard BusinessCard 8.90 - 15.90%

1APR=Annual Percentage Rate; rates may vary; Annual Percentage Rate is based on credit history, vehicle year (if applicable) and term of loan
2 Rate will vary; 60 monthly payments of $21.25 per $1,000 borrowed at fixed APR1 9.99%
3 Rate will vary; 12 monthly payments of $85.62 per $1,000 borrowed at fixed APR1 4.99%
4 Rate will vary; 1 payment of $1050.36 per $1,000 borrowed at a fixed APR1 9.99%.
5 Rate will vary. $5.00 overdraft transfer fee applies.
6 84 Months available for loans over $25,000; rate will vary; 84 monthly payments $13.69 of per $1,000 borrowed at fixed APR1 3.99% on 2019 and newer vehicles; a minimum of $25,000 loan amount is required. 75 Months available for loans over $20,000; rate will vary; 75 monthly payments of $15.23 per $1,000 borrowed at fixed APR1 4.24% on 2015-2018 vehicles; a minimum of $20,000 loan amount is required. *63 Months available for loans over $20,000; rate will vary; 63 monthly payments of $18.40 per $1,000 borrowed at fixed APR1 5.59% on 2014 and older vehicles; a minimum of $20,000 loan amount is required.

7 Rate will vary; 96 monthly payments of $12.66 per $1,000 borrowed at fixed APR1 8.99%.
8 Credit Card rate determined at account opening based on credit worthiness. After that, your rates will vary with the market based on the Prime Rate. Annual fees may apply based on credit history.
**APY=Annual Percentage Rate. No actual discounts apply. IRA, HSA, Christmas Club and Checking accounts, may not be used for share and certificate secured loans

Rates accurate as of Saturday, Aug 8, 2020


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


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
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
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
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
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily‚Äôs customer service was excellent. Emily is a great... 
— Johnnie Bush

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